Keystone, Indiana.
Typical home $212,854 (+6.8% in a year). Bluffton, IN metro.
to buy the typical home at today's mortgage rate — +$657 (+143%) since Jan 2020.
- 1 year
- Up $13,568 +7%
- $199,286$212,854 since Sep 2025
- 5 years
- Up $58,550 +38%
- $154,305$212,854 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$1,117
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Keystone, IN rose 6.8% over the past year — faster than the nation's +1.2%.
Living in Keystone, Wells County, Indiana
Keystone is in Wells County. Half its households earn more than $56,042 a year and half less, against $71,957 across Wells County. Unemployment in Wells County was 2.7% in August 2026, and the county had 1.2% fewer jobs in 2025 than the year before. The most people in Wells County work in schools and health care, then manufacturing.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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 is a community in Wells County, Indiana, where people tend to know one another. Household incomes here are below the county's, and the town's own figures show the same pattern across its households. It is a place where daily life is shaped by the surrounding county and its farms, jobs and seasons.
Work. Many residents work in schools, hospitals and social care, in manufacturing, in shops, and in the building trades. Joblessness in Wells County is lower than it was not long ago, though the number of jobs there has eased a little. Winters are colder than most of the country, with a good deal of snow, while summers are warm and the year brings a fair amount of rain and melted snow.
Things to do. The Salamonie River is a river a longer drive away, suited to anyone who enjoys being near moving water. Ouabache State Park, a protected area also a longer drive away, offers open land to walk through. Minnetrista, a botanical garden a longer drive away, is another place to spend a quiet afternoon.
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What people in Wells County work in
Employed residents by industry, from the Census survey. Wells County had 11,160 jobs in 2025, 1.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 33° and lows near 19°; warmest in July, with highs near 83° and lows near 64°. About 32 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Hartford City Ese weather station, 11 miles away (NOAA).
Largest workplaces in Wells County
- Hersheys Salty SnacksPretzels manufacturing338
- WEG ElectricFractional horsepower electric motors manufacturing329
- Norwell Community SchoolsSchool district285FTE
- WalmartWarehouse clubs and supercenters257
- American AxleAutomatic transmissions, automotive, truck, and bus, manufacturing249
- MSD Bluffton-HarrisonSchool district233FTE
- River Terrace Healthcare CenterHealthcare facility227
- Christian Care Retirement CommunitySkilled nursing facilities213
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 37 workplaces with 20 or more staff, 4,374 people in all across the county; Keystone has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
FEMA rates every natural hazard here relatively low or very low.
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Wells County, against the rest of the country; all of them together, very 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 Wells County and the Bluffton, IN metro.
Keystone home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Keystone$212,854
- Indiana$257,165
- United States$366,157
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.
Zip codes with a Keystone address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Keystone — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.