Residential delivery area · Florida
ZIP Code 32656: Keystone Heights, FL
ZIP code 32656 uses the postal name Keystone Heights, Florida and lies mostly in Clay County (95% of its land) with the rest in Bradford County (Census 2020 ZIP-county file). About 16,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $74,213 (Census Bureau, ACS 2020-2024). By Census place, 2% of its land lies in Keystone Heights; 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Keystone Heights · its only residential ZIP
- County
- Clay County (95%); Bradford County (5%)
- Census places
- Keystone Heights
- Metro area
- Jacksonville, FL
- House districts
- FL-4 (95%), FL-3 (5%) 119th Congress, by share of land
- State
- Florida
- Time zone
- Eastern
- Land area
- 70.1 sq mi · 226 people per sq mi
Where is ZIP code 32656?
32656 centers on 29.827°, -81.945° and covers 70.1 square miles of land plus 6.1 of water. It borders 5 ZIP codes: 32140, 32666, 32694, 32091, 32043.
The map draws ZIP code areas only. For the streets inside 32656, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 32656 compare with the rest of Clay County?
| Measure | 32656 | In Clay County | In FL |
|---|---|---|---|
| People (ACS 2020-2024) | 15,836 | 6th of 12 | 587th of 1,013 |
| Median household income | $74k | 7th of 11 | 404th of 819 |
| Median home value | $231k | 7th of 9 | 692nd of 833 |
Its median household income is higher than in 54% of U.S. residential ZIP codes, and it is denser than 64% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 32656?
The 2020 Census counted 14,686 people in 32656; the ACS, which samples households over 2020-2024, estimates 15,836. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 15,836
- 2020 Census count
- 14,686
- Households
- 5,910
- Median age
- 42.6
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 32656?
Of the 15,836 people the ACS estimates in 32656, 25.5% are under 18 and 18.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.0%).
- Under 1825.5%
- 18 to 6456.0%
- 65 and older18.5%
- White, not Hispanic81.0%
- Other or two or more9.0%
- Hispanic or Latino5.2%
- Black, not Hispanic4.0%
- Asian, not Hispanic0.8%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 32656 earn?
Median household income is $74,213 (ACS 2020-2024), the 7th highest of the 11 ranked ZIP codes in Clay County.
- Median household income
- $74,213
- Income per person
- $33,696
- Below the poverty line
- 14.9%
- Unemployed (of the labor force)
- 3.8%
- Adults 25+ with a bachelor's degree
- 22.4%
- Adjusted gross income per tax return, 2022
- $62,4236,740 returns; wages 69% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 32656?
FHFA's house price index for 32656, built from repeat sales and appraisals of the same homes, rose 130% from 2015 to 2025 and rose 56% from 2020 to 2025, and moved −0.8% in 2025.
- Median home value (owners' estimate)
- $231,200
- Median gross rent
- $1,089
- Homes owned by their occupants
- 83.4%
- Housing units
- 6,766
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 32656?
210 business establishments had a location in this ZIP code in 2023, 24 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction39
- Retail trade32
- Other services (except public administration)32
- Professional, scientific, and technical services21
- Accommodation and food services19
- Health care and social assistance15
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 32656?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32140 | Florahome | 1,479 | $36k | 6.5 mi |
| 32666 | Melrose | 6,662 | $69k | 8.3 mi |
| 32694 | Waldo | 2,286 | $44k | 12.0 mi |
| 32091 | Starke | 14,719 | $63k | 12.5 mi |
| 32043 | Green Cove Springs | 34,562 | $84k | 13.9 mi |
| 32631 | Earleton | 343 | – | 12.2 mi (near) |
| 32079 | Penney Farms | 419 | $41k | 13.3 mi (near) |
| 32044 | Hampton | 2,594 | $46k | 14.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.