Living in Keystone Heights, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Keystone Heights, Florida over the last 12 months went for $270,000 (119 closings across 44 communities in Momentum’s MLS record), about $149 per square foot for a median 1,954-sq-ft home built around 1999. Homes currently listed have been on the market a median of 25 days, and with 61 active listings against that sales pace the city is carrying roughly 6.2 months of supply. Sellers have been getting about 94% of their original asking price. That median is 32% below the median across Momentum’s Florida and Georgia coverage.
Keystone Heights right now — September 2026
Live pages for your move: 95 homes for sale in Keystone Heights · New construction · Homes by ZIP (1 ZIPs) · New listings this week · Price reductions · What your budget buys in Clay County · Commute rings (Mayo, NAS Jax, downtown…) · Clay County school zones · Cost of living · Best neighborhoods · Property tax · Clay County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Keystone Heights
Three price points from 91 recent Keystone Heights closings in our record, each showing what actually closed within 10% of that price:
- Around $270,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,872 sq ft, built around 2005 (16 sales).
- Around $393,000: the typical sale in this band was a 3-bed, 2.75-bath home of about 2,080 sq ft, built around 2023 (12 sales).
The real monthly cost of owning in Keystone Heights
Take the median $270,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $1,441/month. Clay County’s typical total millage is 15.05 mills, so after the $50,000 homestead exemption the property tax is roughly $3,312/year ($276/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Clay County is about $1,189/year; private-market quotes vary with roof age and wind mitigation. 2% of current Keystone Heights listings carry an HOA, with a median of $2/month where one applies. All in, budget on the order of $1,816/month to own the median Keystone Heights home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Clay County property tax guide and our home insurance by county map.
Where people are buying: Keystone Heights’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Big Tree Lakes | 36 | $269,650 | 22 |
| Keystone Heights | 22 | $267,500 | 63 |
| Highridge Estates | 12 | $107,450 | 42 |
| Lakeview Highlands | 8 | $346,995 | 85 |
| Silver Sands Estates | 8 | $277,500 | 14 |
| Bakersfield | 5 | $395,000 | 13 |
Keystone Heights by ZIP code
Sales and medians by ZIP over the same 12 months: 32656 (90 sales, median $268,450).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 56% were single-family homes. New construction accounted for 24% of closings, led by Big Tree Lakes, Bakersfield. The housing stock skews mixed: 32% of homes sold were built in 2015 or later and 22% before 1980.
Getting around from Keystone Heights
Measured from the center of Keystone Heights’s recent sales: Gainesville is about 22 miles; St. Augustine is about 41 miles; Downtown Jacksonville is about 42 miles; Ocala is about 43 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Clay County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Clay County’s typical millage of 15.05; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Clay County average of $1,189/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Keystone Heights: the case for and against
What works in Keystone Heights’s favor
- prices run 32% below the statewide median in our coverage
- homes move quickly (median 25 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,189/year)
- most listings (98%) have no HOA
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Keystone Heights relocation toolkit
- Homes for sale in Keystone Heights right now
- Cost of living in Keystone Heights
- Best neighborhoods in Keystone Heights
- New construction in Keystone Heights
- Find an agent in Keystone Heights
- Search every Keystone Heights community
Common questions about moving to Keystone Heights
How much does a house cost in Keystone Heights, FL?
What does it cost per month to own a home in Keystone Heights?
What are property taxes like in Keystone Heights?
Is Keystone Heights a buyer's or seller's market right now?
Is there a lot of new construction in Keystone Heights?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Keystone Heights communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Clay County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.