Keystone Heights
Housing Market
Median sale price $269,650, up 3.0% year over year, with homes going under contract in about 49 days, 36 homes on the market.
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Housing Market Analyst
Inventory sits at 5.0 months of supply — balanced by the 3-to-6-month balanced benchmark, and 23% of listed homes are already under contract. Prices are up 3.0% versus the prior year and sellers are still collecting 95.4% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.
- Prices — balanced supply argues for a sideways market; condition and pricing decide individual outcomes.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 23% of inventory sits under contract.
- Mortgage sensitivity — at 3.9× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here gradually.
Derived from current Keystone Heights data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
Where Keystone Heights is hot — and where it isn't
Each dot is a community (15 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Keystone Heights
The median sale price across Keystone Heights currently stands at $269,650, up 3.0% from a year ago. Buyers are paying a median of $166 per square foot. The typical home goes under contract in about 49 days. Sellers are capturing 95.4% of their original asking price on average.
There are 36 active listings on the market, with 12 more already under contract. At the current sales pace that works out to 5.0 months of supply — roughly balanced conditions by the standard six-month benchmark. 90 homes closed here over the trailing 12 months.
Keystone Heights prices sit below the Clay County median by roughly 20%. Zillow's home value index for Clay County stands at $339,078. About 29% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for Keystone Heights is 54 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
Keystone Heights since 2012 — and where it’s heading
A median home here sold for $77,142 in 2012 and $271,348 over the last recorded year — 252% appreciation across 14 years of recorded sales. Cash buyers took 21% of recent sales, down from a 42% peak.
Median sale price · 2012–2026 (1,552 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Clay County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Clay County (MLS)
What’s driving Keystone Heights
Top inbound states: CA, VA, NY, NC. Movers arriving report ~$65,179 average income. Source: IRS SOI county-to-county migration, 2022-2023
606 Citizens policies in force in Clay County — the state-backed insurer of last resort. Budget insurance into any Clay purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
1,240 single-family · 282 multi-family · 6.8 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in Keystone Heights right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
How it stacks up across Clay County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Keystone Heights ← this page | $270K | 36 | 54 | |
| Middleburg | $312K | 173 | 62 | Open → |
| Green Cove Springs | $358K | 170 | 58 | Open → |
| Orange Park | $338K | 149 | 64 | Open → |
| Fleming Island | $458K | 47 | 70 | Open → |
Neighborhoods on the move
| Lakeview HighlandsKeystone Heights | $347K | ▲ 22% |
| Florida FrontierKeystone Heights | $260K | ▲ 12% |
| Keystone HeightsKeystone Heights | $275K | ▲ 8% |
| Big Tree LakesKeystone Heights | $270K | ▲ 4% |
| Big Tree LakesKeystone Heights | $270K | ▼ 4% |
| Keystone HeightsKeystone Heights | $275K | ▼ 8% |
| Florida FrontierKeystone Heights | $260K | ▼ 12% |
| Lakeview HighlandsKeystone Heights | $347K | ▼ 22% |
| Highridge EstatesKeystone Heights | $100K | 13 |
| Big Tree LakesKeystone Heights | $270K | 10 |
| Keystone HeightsKeystone Heights | $275K | 6 |
| Lakeview HighlandsKeystone Heights | $347K | 6 |
| Silver Sands EstatesKeystone Heights | $300K | 1 |
| Big Tree LakesKeystone Heights | $270K | 30 days |
| Florida FrontierKeystone Heights | $260K | 41 days |
| Highridge EstatesKeystone Heights | $100K | 47 days |
| Keystone HeightsKeystone Heights | $275K | 82 days |
| Lakeview HighlandsKeystone Heights | $347K | 109 days |
Keystone Heights ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Keystone Heights right now?
The data says conditions currently favor neither side decisively in Keystone Heights — the Momentum Score reads 54/100 with 5.0 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is Keystone Heights becoming more affordable?
No — the median sale price in Keystone Heights is $269,650, up 3.0% versus the prior year, while sellers still capture 95.4% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in Keystone Heights?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Big Tree Lakes (4%); Keystone Heights (8%); Florida Frontier (12%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which Keystone Heights neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Big Tree Lakes (30 days); Florida Frontier (41 days); Highridge Estates (47 days) — homes there go under contract well ahead of the market-wide pace of 49 days.
How does Keystone Heights compare to the rest of Clay County?
Keystone Heights's median of $269,650 runs 20% below the county-wide median of $338,000, and homes here take 49 days to go under contract versus 46 county-wide.
Keystone Heights housing market FAQ
What is the median home price in Keystone Heights?
The median sale price in Keystone Heights is currently $269,650, up 3.0% from a year ago, based on MLS sales data updated August 6, 2026.
Is Keystone Heights a buyer's or seller's market right now?
The data currently is roughly balanced. Keystone Heights scores 54 of 100 on the Momentum Score, with 5.0 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Keystone Heights?
The typical home in Keystone Heights goes under contract in about 49 days, per current MLS data.
How many homes are for sale in Keystone Heights?
There are approximately 36 active listings in Keystone Heights as of August 6, 2026.
Are home prices in Keystone Heights rising or falling?
Median sale prices are up 3.0% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across Keystone Heights. Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.