PlainZIP

Keystone Heights, FL · standard

ZIP Code 32656

Clay County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

14,014
96/sq mi
$74,213
Median income
$231,200
Median home value
22.4%
Bachelor's or higher

The verdict

Keystone Heights pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 46%
household income, US ZIPs
Top 47%
home value, US ZIPs
96
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32656 against every reporting US ZIP.

ZIP code 32656 is classified by USPS as a standard delivery area and covers roughly 146.6 square miles in Keystone Heights, Clay County, Florida. The area is home to 14,014 residents, producing a population density of 96 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32656 against Florida and the nation.

On the economic side, the median household income for ZIP 32656 sits at $74,213 (4% below the Florida average), while per-capita income is $33,696. The poverty rate stands at 14.9% and the unemployment rate at 3.7%. On housing, the median home value is $231,200 (38% below the state average) with median rent at $1,089 per month, and 83.4% of occupied units are owner-occupied, a direct signal of whether 32656 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 22.4% of adults hold a bachelor's degree or higher, the median age is 42.6, and the average commute is 36 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Clay County, so you can benchmark 32656 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32656

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 32656.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32656, Keystone Heights, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

14,014

Population

146.6

Area (sq mi)

96

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32656?

42.6

Median Age

50.5%

Male

49.5%

Female

2.7%

Foreign-Born

White 81.1%
African American 4.0%
Asian 0.8%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 12.1%
Hispanic or Latino 5.2%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$74,213

Median Household Income

-4% vs state

$33,696

Per Capita Income

14.9%

Poverty Rate

3.7%

Unemployment Rate

35.8 min

Mean Commute Time

How ZIP 32656 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$74,213 Top 46% higher than 54% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.6%
Bachelor's Degree or Higher 22.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,766

Total Housing Units

5,910

Occupied Units

856

Vacant Units

2.67

Avg Household Size

Occupancy Type

Owner 83.4%
Renter 16.6%

$231,200

Median Home Value

-38% vs state

$1,089

Median Rent

1985

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-0.1%

YoY Change (2024)

297

HPI Index (2000 = 100)

+197%

Total Change Since 2000

Home values in ZIP 32656 have decreased 0.1% over the past year (2024). Since 2000, this ZIP has seen +197% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.3% 188
2021 +17.3% 220
2022 +15.1% 254
2023 +17.0% 297
2024 -0.1% 297

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 210 business establishments in ZIP 32656, employing approximately 1,637 people with a combined annual payroll of $70,868,000.

210

Businesses

1,637

Employees

$70.9M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 39 18.6%
Retail trade 32 15.2%
Other services (except public administration) 32 15.2%
Professional, scientific, and technical services 21 10.0%
Accommodation and food services 19 9.1%
Health care and social assistance 15 7.1%
Real estate and rental and leasing 10 4.8%
Administrative and support and waste management and remediation services 10 4.8%
Finance and insurance 9 4.3%
Manufacturing 6 2.9%
Wholesale trade 5 2.4%
Information 3 1.4%
Arts, entertainment, and recreation 3 1.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 32656 vs 32666 →

ZIP 32656 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 32656 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32656 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32656 ranks the highest of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32666 Melrose, FL 5,916 6.6 mi
32140 Florahome, FL 1,741 6.5 mi
32631 Earleton, FL 291 10.7 mi

More ZIP Codes in Clay County

32068 standard
Middleburg, FL
Pop: 50,815
32073 standard
Orange Park, FL
Pop: 38,920
32065 standard
Orange Park, FL
Pop: 32,770
32003 standard
Fleming Island, FL
Pop: 27,126
32043 standard
Green Cove Springs, FL
Pop: 24,632
32079 standard
Penney Farms, FL
Pop: 433

Related Areas

Clay County Keystone Heights, FL Florida

Frequently Asked Questions

What county is ZIP code 32656 in? ▼
ZIP code 32656 (Keystone Heights) is located in Clay County, Florida. Clay County contains multiple ZIP codes, see the full list at /counties/clay-fl.
What is the population of ZIP code 32656? ▼
ZIP code 32656 in Keystone Heights, FL has a population of 14,014 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32656? ▼
The median household income in ZIP 32656 is $74,213, which is 3% below the national average of $76,288.
What is the average home value in ZIP 32656? ▼
The median home value in ZIP 32656 is $231,200, which is 17% below the national average of $278,155.
What is the demographic makeup of ZIP 32656? ▼
The largest racial group in ZIP 32656 is White at 81.1%. Hispanic or Latino residents make up 5.2% of the population.
How many businesses are in ZIP code 32656? ▼
ZIP code 32656 has 210 business establishments employing approximately 1,637 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32656? ▼
The top industries by establishment count in ZIP 32656 are: Construction (39), Retail trade (32), Other services (except public administration) (32). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 32656? ▼
According to the FHFA House Price Index, home values in ZIP 32656 decreased by 0.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 197%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32656? ▼
In ZIP code 32656, 54.6% of residents aged 25+ have a high school diploma or higher, and 22.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32656? ▼
The mean commute time for workers in ZIP code 32656 is 35.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32656? ▼
In ZIP code 32656, approximately 83.4% of occupied housing units are owner-occupied and 16.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32656? ▼
The poverty rate in ZIP code 32656 is 14.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Keystone Heights, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.