Keystone Heights, Florida.
Typical home $284,859 (+3.4% in a year), asking rent $1,624 . Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$860 (+135%) since Jan 2020.
- 1 year
- Up $9,475 +3%
- $275,383$284,859 since Sep 2025
- 5 years
- Up $65,293 +30%
- $219,565$284,859 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Keystone Heights$1,495
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Keystone Heights, FL rose 3.4% over the past year — faster than the nation's +1.2%.
Living in Keystone Heights, Clay County, Florida
Keystone Heights is a city of 1,446 people in Clay County. Half its households earn more than $80,217 a year and half less, against $87,820 across Clay County; 18% of its people live below the poverty line. 81% of its homes are lived in by their owners and 19% are rented. Unemployment in Clay County was 4.7% in August 2026, and the county had 0.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Keystone Heights is a very small city, and most of its homes are lived in by their owners. Household incomes run somewhat below the county's, and a good share of residents live below the poverty line. Typical home values and rents are well within reach of a middle income, and a four-year degree is held by a minority of adults. Winters are mild, with January the coolest month and daytime highs that stay comfortable. Summers are hot, and the year brings plenty of rain.
Work. Residents work mostly in schools, hospitals and social care, followed by restaurants, hotels and entertainment, professional and business services, and shops. Across Clay County, the largest workplaces include Clay Schools, HCA Florida Orange Park Hospital and Walmart. Commutes are on the long side, and few people work from home. Job numbers across the county have edged up slightly over the past year, and unemployment there is a touch higher than a year ago.
Things to do. Lake Barco and Santa Fe Lake are both a short drive away, and Mike Roess Gold Head Branch State Park, a protected area, is also close. For a rainy day, Wings of Dreams Aviation Museum is a short drive away too. Those who don't mind a longer drive can reach Paynes Prairie, a protected area, or the Florida Museum of Natural History.
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- 586households
- 30%of adults have a degree
- 18%below the poverty line
- 33 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Clay County had 57,660 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 68° and lows near 45°; warmest in July, with highs near 92° and lows near 74°. About 53 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Starke weather station, 12 miles away (NOAA).
Largest employers in Clay County
- HCA Florida Orange Park Hospital1,858
- Wal-Mart1,233
- Applied Business Solutions Inc1,147
- Publix Super Markets918
- Bestbet Orange Park693
- Vallencourt Construction Co Inc684
- Ascension Health Ministry Service C662
- Home Depot436
From Clay County’s annual financial report for 2025, its schedule of principal employers (its source: “Clay Florida Economic Development Corporation”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- LightningRelatively high
- WildfireRelatively moderate
- HurricanesRelatively moderate
- TornadoesRelatively moderate
- Inland floodingRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Keystone Heights’ census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clay County and the Jacksonville, FL metro.
Keystone Heights home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Keystone Heights$284,859
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 4 Keystone Heights listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Keystone Heights24.94%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Keystone Heights85
New listings per month
Sellers arriving at the market.
- Keystone Heights15
Zip codes with a Keystone Heights address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Keystone Heights — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.