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ZIP Code · FL

ZIP 32656

Pop. 15,836·Clay County·666th most expensive ZIP in Florida
Median rent (all units)
$1,230/mo
Year-over-Year
-4.7%
Month-over-Month
-4.7%
vs US Median
-$735
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 32656 · $1,230
More affordable than 84% of US ZIP codes · National median $1,965/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: April 19, 2026

Annual cost
$14,760/yr
At $1,230/mo median
Location
StateFL
CountyClay County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 4.7% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (-4.7% YoY, -4.7% 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.

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Local insights

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About renting in ZIP 32656

Last updated: April 19, 2026

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

At 20% of local median household income ($74,213/yr), ZIP 32656 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 4.7% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 32656?

As of April 19, 2026, the median monthly rent in ZIP 32656 (Keystone Heights, FL) is $1,230. This is based on aggregated data from public sources and community submissions.

How does ZIP 32656 rent compare to the US average?

ZIP 32656's median rent of $1,230/mo is $735 (37%) below the US national median of $1,965/mo.

How does ZIP 32656 compare to other ZIPs in Florida?

ZIP 32656 is among the more affordable ZIP codes in Florida, ranking #666 out of 686 ZIPs at $1,230/mo.

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 $49,000/year (~$24/hour full-time) to afford the median rent of $1,230/mo in ZIP 32656. The local median household income is $74,213/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 32656?

Rent in ZIP 32656 has decreased 4.7% over the past year as of April 19, 2026, offering some relief compared to 12 months ago.

Is ZIP 32656 an affordable place to rent?

ZIP 32656 is considered very affordable for renters. At $1,230/mo, rent takes approximately 20% of the local median household income ($74,213/yr). The standard benchmark is 30%. ZIP 32656 falls comfortably within that range.

What percentage of ZIP 32656 residents rent vs. own?

According to Census data, approximately 16.6% of ZIP 32656 households are renters, while 83.4% are owner-occupied. ZIP 32656 leans toward homeownership, which can mean a smaller rental inventory.

When was rent data for ZIP 32656 last updated?

Rent data for ZIP 32656 reflects April 19, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
20%
VERY AFFORDABLE

At $1,230/mo, rent takes ~20% of ZIP 32656's median household income ($74,213/yr). The standard benchmark is 30%.

ZIP 32656 20%Benchmark 30%
State income taxNone
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Schools nearby

Public schools near ZIP 32656 (Keystone Heights, FL)

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