ZIP Code · FL

ZIP 32656

Part of Keystone Heights, FL

Pop. 15,836·Clay County·567th most expensive ZIP in Florida

Median rent (all units)

$1,625/mo

Year-over-Year

Stable

Month-over-Month

+32.1%

vs US Median

-$307

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 32656 · $1,625

More affordable than 63% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,010

1 BR

$1,030

2 BR

$1,230

3 BR

$1,520

4 BR+

$1,920

Research median

$1,230/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: August 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($74,213) is $1,855 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,520); a 4-bedroom is $1,920.

From Zillow's monthly rent index (ZORI) for ZIP 32656. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$19,500/yr

At $1,625/mo median

Location

CityKeystone Heights

StateFL

CountyClay County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+0.0% YoY, +32.1% MoM), not inventory.

Demographics

Who lives here

ZIP 32656 (Keystone Heights, FL) is majority owner-occupied, has a large share of families with children, 22.4% of residents hold a bachelor's degree or higher.

Population

15,836

Median income

$74,213

Median age

42.6

Renters

16.6%

Age distribution

25.5%

16.4%

24.1%

15.5%

18.5%

Under 1825.5%

18–3416.4%

35–5424.1%

55–6415.5%

65+18.5%

Gender

50.5%

49.5%

Male50.5%

Female49.5%

Race & ethnicity

81.1%

White81.1%

Black4%

Hispanic5.2%

Asian0.8%

Other8.9%

Education (25+)

32.2%

35.3%

22.4%

No HS diploma10.1%

HS diploma32.2%

Some college35.3%

Bachelor's+22.4%

Housing tenure

83.4%

16.6%

Owner83.4%

Renter16.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 32656 in Keystone Heights, FL has changed in 5 years

Income

$52,758 → $74,213

up 40.7%

Population

13,900 → 15,836

up 13.9%

Renter share

18.8% → 16.6%

-2.2 pts

Bachelor's+

17% → 22.4%

+5.4 pts

Median age

41.4 → 42.6

+1.2 yrs

On the earnings side, the typical household in ZIP 32656 in Keystone Heights, FL now reports about $74,213, up from $52,758 in 2021. The population has grown by 13.9% since 2021, moving from about 13,900 residents to roughly 15,836. Renters now make up 16.6% of households, compared with 18.8% five years ago. College-educated residents now make up 22.4% of adults here, versus 17% in 2021.

Community

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Local insights

Tips for renters in ZIP 32656

About renting in ZIP 32656

Last updated: August 17, 2026

ZIP code 32656 covers Keystone Heights, FL. The median rent here is $1,625/mo as of August 2026. A 1-bedroom rents for a median of $1,030/mo. A 2-bedroom rents for a median of $1,230/mo.

At 26% of local median household income ($74,213/yr), ZIP 32656 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 32656?

To keep rent at or below 30% of gross income, you would need to earn at least $65,000/year (about $31/hour full-time) to afford the median rent of $1,625/mo in ZIP 32656. The local median household income is $74,213/yr, so the typical household meets that bar.