Keystone Heights
Housing Market
Median sale price $269,900, down 12.0% year over year, with homes going under contract in about 69 days, 127 homes on the market.
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Housing Market Analyst
Inventory sits at 8.6 months of supply — heavy by the 3-to-6-month balanced benchmark, and 12% of listed homes are already under contract. Prices are down 12.0% versus the prior year, but sellers are still collecting 92.7% of asking. Taken together, the data leans toward buyers — leverage is real for those ready to use it.
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 buyers.
- Prices — heavy supply keeps the pressure on sellers; softening is the path of least resistance.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 12% 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 (19 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 $269,900, down 12.0% from a year ago. Buyers are paying a median of $184 per square foot. The typical home goes under contract in about 69 days. Sellers are capturing 92.7% of their original asking price on average.
There are 127 active listings on the market, with 26 more already under contract. At the current sales pace that works out to 8.6 months of supply — a buyer-leaning market by the standard six-month benchmark. 76 homes closed here over the trailing 12 months.
Keystone Heights prices sit below the Clay County median by roughly 17%. Zillow's home value index for Clay County stands at $335,274. About 30% 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 29 of 100 — soft market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 26, 2026.
Keystone Heights since 2015 — and where it’s heading
A median home here sold for $80,808 in 2015 and $291,837 over the last recorded year — 261% appreciation across 11 years of recorded sales.
Median sale price · 2015–2026 (440 recorded sales)
Home value trend · Clay County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Clay County (MLS)
Median price · daily recalculation
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.
Buyers: ask for concessions — rate buydowns and repair credits are back on the table. Sellers: presentation and the first two weekends decide your outcome; price accordingly.
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 | 45 | 29 | |
| Green Cove Springs | $345K | 227 | 50 | Open → |
| Middleburg | $294K | 218 | 51 | Open → |
| Orange Park | $315K | 164 | 53 | Open → |
| Fleming Island | $470K | 57 | 62 | Open → |
Neighborhoods on the move
| Florida FrontierKeystone Heights | $260K | ▲ -4% |
| Highridge EstatesKeystone Heights | $115K | ▲ -30% |
| Highridge EstatesKeystone Heights | $115K | ▼ 30% |
| Florida FrontierKeystone Heights | $260K | ▼ 4% |
| Big Tree LakesKeystone Heights | $270K | 15 |
| Highridge EstatesKeystone Heights | $115K | 10 |
| Keystone HeightsKeystone Heights | $322K | 7 |
| Lakeview HighlandsKeystone Heights | $284K | 6 |
| Silver Sands EstatesKeystone Heights | $238K | 2 |
| Florida FrontierKeystone Heights | $260K | 16 days |
| Big Tree LakesKeystone Heights | $270K | 50 days |
| BrightwaterKeystone Heights | $306K | 62 days |
| Highridge EstatesKeystone Heights | $115K | 236 days |
Keystone Heights ZIP codes
Most active communities
More on Keystone Heights
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 buyers in Keystone Heights — the Momentum Score reads 29/100 with 8.6 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?
Yes, modestly — the median sale price in Keystone Heights is $269,900, down 12.0% versus the prior year, while sellers still capture 92.7% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in Keystone Heights?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Highridge Estates (-30%); Florida Frontier (-4%). 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 Florida Frontier (16 days); Big Tree Lakes (50 days); Brightwater (62 days) — homes there go under contract well ahead of the market-wide pace of 69 days.
How does Keystone Heights compare to the rest of Clay County?
Keystone Heights's median of $269,900 runs 17% below the county-wide median of $326,000, and homes here take 69 days to go under contract versus 49 county-wide.
Keystone Heights housing market FAQ
How is the housing market in Keystone Heights right now?
As of October 26, 2026, the Keystone Heights housing market favors buyers: the median sale price is $269,900 (down 12.0% year over year), 127 homes are for sale against 76 sales in the last 12 months, which is 8.6 months of supply, and the typical home goes under contract in about 69 days.
How much is a house in Keystone Heights?
The median home sold for $269,900 in Keystone Heights over the last 12 months, about $184 per square foot; asking prices on the 127 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in Keystone Heights?
By the numbers, sellers in Keystone Heights are getting 92.7% of asking price and going under contract in about 69 days with 8.6 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the Keystone Heights housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Keystone Heights median sale prices are down 12.0% year over year, inventory stands at 8.6 months of supply, and 12% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in Keystone Heights?
The median sale price in Keystone Heights is currently $269,900, down 12.0% from a year ago, based on MLS sales data updated October 26, 2026.
Is Keystone Heights a buyer's or seller's market right now?
The data currently favors buyers. Keystone Heights scores 29 of 100 on the Momentum Score, with 8.6 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 69 days, per current MLS data.
How many homes are for sale in Keystone Heights?
There are approximately 127 active listings in Keystone Heights as of October 26, 2026.
Are home prices in Keystone Heights rising or falling?
Median sale prices are down 12.0% 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: October 26, 2026 at 10:07 AM 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.
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