Zip code 32656: Keystone Heights, Florida

Q: What city is zip code 32656?

32656 is assigned to Keystone Heights, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32656 in?

32656 is mostly in Clay County, but it extends into 1 other county.

Q: What is the population of 32656?

About 15,836 people live in 32656, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32656?

The median household income in 32656 is $74,213.

Q: What zip codes are near 32656?

The closest zip codes to 32656 are 32160, 32185, 32140, 32138, 32666.

Residential delivery areaClay CountyEastern Time

Population

15,836

Median household income

$74K

U.S. $81K

Median home value

$231K

U.S. $333K

Median rent

$1,089/mo

U.S. $1,413

Median age

42.6

U.S. 38.9

Land area

70 sq mi

226 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 32656

32656 is a small-town zip code in Keystone Heights, Florida (Clay County), covering 70 sq mi of land. About 15,836 people live here, or 226 per square mile. The median resident is 42.6 years old, compared with 38.9 nationally.

The median household earns $74,213 a year, close to the national median of $80,734. 14.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $231,200, or 3.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 83% of occupied homes are lived in by their owners, and renters pay a median of $1,089 a month.

22% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 35.8 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in office and administrative support; construction and repair; and sales.

How 32656 compares

Sorted from highest to lowest national percentile

Veterans13.8%
97th
U.S. 6.2% · FL 7.4%96th of 976 in FL
Average commute35.8 min
93rd
WeaknessU.S. 26.4 min · FL 28 min72nd of 948 in FL
Government workers21.5%
88th
U.S. 14.5% · FL 11.7%100th of 973 in FL
Homeownership rate83.4%
86th
StrengthU.S. 65.2% · FL 67.6%260th of 969 in FL
Uninsured rate12.3%
81st
WeaknessU.S. 8.4% · FL 11.5%360th of 973 in FL
Housing vacancy12.7%
81st
U.S. 10.1% · FL 14.7%449th of 969 in FL
Residents under 1825.5%
78th
U.S. 22% · FL 19.5%113th of 977 in FL
Tech workers4.8%
77th
U.S. 3.8% · FL 3.1%119th of 973 in FL
Median age42.6
75th
U.S. 38.9 · FL 42.6496th of 977 in FL
Self-employed workers11.2%
71st
U.S. 10% · FL 12.8%573rd of 973 in FL
Poverty rate14.9%
69th
U.S. 12.5% · FL 12.6%304th of 970 in FL
Residents 65 and older18.5%
64th
U.S. 17.2% · FL 21.3%578th of 977 in FL
Median earnings per worker$46,250
44th
U.S. $49,666 · FL $44,337384th of 961 in FL
Median household income$74,213
42nd
U.S. $80,734 · FL $74,568446th of 948 in FL
Broadband access90.8%
40th
U.S. 91% · FL 91.6%553rd of 969 in FL
Income inequality (Gini)0.417
34th
U.S. 0.483 · FL 0.485688th of 968 in FL
Per capita income$33,696
30th
U.S. $44,673 · FL $42,609640th of 977 in FL
Unemployment rate3.8%
30th
U.S. 5.2% · FL 4.8%600th of 973 in FL
Median home value$231,200
28th
U.S. $332,700 · FL $359,000727th of 935 in FL
Median gross rent$1,089
28th
U.S. $1,413 · FL $1,669757th of 902 in FL
Bachelor's degree or higher22.4%
27th
U.S. 35.7% · FL 34.1%662nd of 975 in FL
Diversity index33.2
27th
U.S. 61.4 · FL 64.7737th of 977 in FL
Population15,836
24th
U.S. 334,922,499 · FL 22,416,077587th of 977 in FL
Population density226/sq mi
22nd
U.S. 95/sq mi · FL 418/sq mi730th of 977 in FL
Work from home7.6%
20th
U.S. 15.1% · FL 15.7%804th of 975 in FL
Rent-burdened renters40.5%
17th
StrengthU.S. 51.1% · FL 60.1%843rd of 945 in FL
Foreign-born residents2.7%
16th
U.S. 14.1% · FL 21.9%875th of 977 in FL
Healthcare workers7.1%
16th
U.S. 9.7% · FL 9.5%753rd of 973 in FL

Measure	32656	Clay	FL	U.S.	National percentile	Rank in FL
Veterans	13.8%	15.9%	7.4%	6.2%	97th	96th of 976
Average commuteWeakness	35.8 min	31.3 min	28 min	26.4 min	93rd	72nd of 948
Government workers	21.5%	14.4%	11.7%	14.5%	88th	100th of 973
Homeownership rateStrength	83.4%	75.9%	67.6%	65.2%	86th	260th of 969
Uninsured rateWeakness	12.3%	8.2%	11.5%	8.4%	81st	360th of 973
Housing vacancy	12.7%	5.9%	14.7%	10.1%	81st	449th of 969
Residents under 18	25.5%	22.8%	19.5%	22%	78th	113th of 977
Tech workers	4.8%	3.9%	3.1%	3.8%	77th	119th of 973
Median age	42.6	40.4	42.6	38.9	75th	496th of 977
Self-employed workers	11.2%	9.6%	12.8%	10%	71st	573rd of 973
Poverty rate	14.9%	9.2%	12.6%	12.5%	69th	304th of 970
Residents 65 and older	18.5%	17.1%	21.3%	17.2%	64th	578th of 977
Median earnings per worker	$46,250	$46,379	$44,337	$49,666	44th	384th of 961
Median household income	$74,213	$87,820	$74,568	$80,734	42nd	446th of 948
Broadband access	90.8%	94.6%	91.6%	91%	40th	553rd of 969
Income inequality (Gini)	0.417	0.402	0.485	0.483	34th	688th of 968
Per capita income	$33,696	$39,563	$42,609	$44,673	30th	640th of 977
Unemployment rate	3.8%	3.8%	4.8%	5.2%	30th	600th of 973
Median home value	$231,200	$312,500	$359,000	$332,700	28th	727th of 935
Median gross rent	$1,089	$1,551	$1,669	$1,413	28th	757th of 902
Bachelor's degree or higher	22.4%	28.3%	34.1%	35.7%	27th	662nd of 975
Diversity index	33.2	51	64.7	61.4	27th	737th of 977
Population	15,836	227,584	22,416,077	334,922,499	24th	587th of 977
Population density	226/sq mi	376/sq mi	418/sq mi	95/sq mi	22nd	730th of 977
Work from home	7.6%	15.9%	15.7%	15.1%	20th	804th of 975
Rent-burdened rentersStrength	40.5%	49.9%	60.1%	51.1%	17th	843rd of 945
Foreign-born residents	2.7%	7%	21.9%	14.1%	16th	875th of 977
Healthcare workers	7.1%	9.3%	9.5%	9.7%	16th	753rd of 973

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

18%

5–17

18–24

11%

25–34

11%

35–44

13%

45–54

15%

55–64

65–74

75+

Median age

42.6

Under 18

25.5%

65 and over

18.5%

Race and ethnicity

White81%
Black4%
Hispanic5%
Asian0.8%
Native American0.0%
Pacific Islander0%
Other0.4%
Multiracial9%

Diversity index

33.2

U.S. 61.4

Foreign-born

2.7%

U.S. 14.1%

Born in state

54.9%

Language spoken at home (households)

English only

97%

Spanish

Other Indo-European

0.9%

Asian / Pacific

0.6%

Other

Households

Households: 5,910
Average household size: 2.7
Family households: 73.6%
Married couples: 56.4%
Living alone: 22.9%
Veterans (of adults): 13.8%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

16%

$25–50k

17%

$50–75k

18%

$75–100k

14%

$100–150k

23%

$150–200k

$200k+

Median household income

32656

$74,213

Clay Co.

$87,820

Florida

$74,568

United States

$80,734

Per capita income

$33,696

U.S. $44,673

Poverty rate

14.9%

U.S. 12.5%

Households earning $150K+

11.7%

U.S. 23%

Income inequality (Gini)

0.417

U.S. 0.483

Housing

Median home value

32656

$231,200

Clay Co.

$312,500

Florida

$359,000

United States

$332,700

Median gross rent

32656

$1,089

Clay Co.

$1,551

Florida

$1,669

United States

$1,413

Types of housing

Single-family

59%

2–4 units

0.5%

5–19 units

20+ units

0.7%

Mobile home

39%

Boat, RV, van

0.6%

Housing units: 6,766
Owner-occupied: 83.4%
Vacant: 12.7%
Median year built: 1985
Median rooms: 6
Renters paying 30%+ of income: 40.5%
Renters paying 50%+ of income: 17%
Home value to income: 3.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

76%

Carpooled

14%

Transit

Walked

Bicycle

Worked from home

Other

0.3%

Commute time (one way)

<10 min

14%

10–19

16%

20–29

11%

30–44

18%

45–59

17%

60+

23%

Average commute

35.8 min

U.S. 26.4 min

Unemployment

3.8%

U.S. 5.2%

In labor force

54.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

18%

Construction and repair

13%

Sales

11%

Management

10%

Healthcare

Cleaning and personal care

Transportation and moving

Computer and math

Food service

Education

Production

Police and fire

Legal and social services

Business and finance

Arts, media and sports

Engineering and science

Farming, fishing and forestry

0.2%

Industries

Retail

12%

Construction

11%

Education

10%

Health care and social assistance

10%

Transportation, warehousing and utilities

Public administration

Restaurants and hotels

Finance, insurance and real estate

Admin, support and management

Professional and technical services

Manufacturing

Other services

Arts and recreation

Wholesale

Agriculture and mining

Information

Median earnings per worker

$46,250

U.S. $49,666

Self-employed

11.2%

U.S. 10%

Government workers

21.5%

U.S. 14.5%

Nonprofit workers

7.3%

U.S. 8.8%

Median earnings by type of work

Type of work	32656	U.S.
Management, business, science and arts	$61,713	$74,888
Service	$27,500	$26,804
Sales and office	$36,385	$40,476
Construction and maintenance	$44,833	$49,199
Production and transportation	$51,711	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

10%

High school

32%

Some college

26%

Associate's

10%

Bachelor's

13%

Graduate

High school graduate or higher: 89.9%
Bachelor's degree or higher: 22.4%
Graduate or professional degree: 9.2%
Households with broadband: 90.8%
Cable, fiber or DSL: 58.4%
No internet access: 7.9%
Without health insurance: 12.3%
Limited-English households: 0%

Geography

City (USPS): Keystone Heights
State: Florida
County: Clay County
Center point: 29.8271° N, 81.9452° W
Land area: 70 sq mi
Water area: 6.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

32656 spans 2 counties

Clay County95% of land
Bradford County5% of land

Cities and towns within this zip

Keystone Heights2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 32656

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32160	Lake Geneva, FL · PO box	4.9 mi	—	—	—
32185	Putnam Hall, FL · PO box	6.3 mi	—	—	—
32140	Florahome, FL	6.5 mi	1,479	$35,474	$151,900
32138	Grandin, FL · PO box	7.1 mi	—	—	—
32666	Melrose, FL	8.3 mi	6,662	$68,765	$218,000
32694	Waldo, FL	12 mi	2,286	$43,537	$124,200
32631	Earleton, FL	12 mi	343	—	$224,400
32091	Starke, FL	13 mi	14,719	$62,852	$206,200
32079	Penney Farms, FL	13 mi	419	$41,094	—
32043	Green Cove Springs, FL	14 mi	34,562	$84,145	$337,900
32044	Hampton, FL	14 mi	2,594	$46,338	—
32149	Interlachen, FL · PO box	14 mi	—	—	—

Zip codes like 32656 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 32656

What city is zip code 32656?

32656 is assigned to Keystone Heights, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32656 in?

32656 is mostly in Clay County, but it extends into 1 other county.

What is the population of 32656?

About 15,836 people live in 32656, according to the Census Bureau's American Community Survey.

What time zone is 32656 in?

32656 is in Eastern Time.

What is the median household income in 32656?

The median household income in 32656 is $74,213.

What zip codes are near 32656?

The closest zip codes to 32656 are 32160, 32185, 32140, 32138, 32666.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32656, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.