32656 ZIP Code — Keystone Heights, FL

Clay County, Florida

ZIP code 32656 is located in Keystone Heights, Florida, within Clay County. It covers approximately 70.12 square miles and serves a population of 14,702 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 352/904.

About ZIP code 32656

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $180,100. Owner-occupancy is high at 81%, well above the national average.

Median household income is $63,707. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 38 minutes suggests many residents work outside the immediate area.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 32656 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

14,702

population

70.12

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32656 ZIP code map

Cities in ZIP code 32656

Below are the cities the US Postal Service accepts for ZIP code 32656. Using any city not on this list may result in mail delivery delays.

City	Status
Keystone Heights	Acceptable
Keystone Heights	Preferred

Nearby ZIP codes

32140 Florahome (7.4 mi) 32666 Melrose (8.3 mi) 32091 Starke (10.2 mi) 32631 Earleton (11.7 mi) 32694 Waldo (12.2 mi) 32044 Hampton (12.5 mi) 32043 Green Cove Springs (14.5 mi) 32148 Interlachen (17.9 mi) 32068 Middleburg (17.9 mi) 32177 Palatka (18.4 mi) 32058 Lawtey (18.8 mi) 32640 Hawthorne (19.1 mi)

Demographics updated 05/2026

Population
Total population	14,702
Population density	210 / sq mi
State FIPS	12
County FIPS	019

Geography
Land area	70.12 sq mi
Water area	6.05 sq mi
Latitude	29.8338
Longitude	-81.9453
Timezone	Eastern (ET)
Area code	352/904

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.2%	34.3%	43.4%
$50k – $100k	35.9%	36.2%	30.8%
$100k – $200k	14.1%	24.2%	19.3%
Over $200k	2.7%	5.2%	6.4%

Demographics & statistics

14,702

Population

210

People per sq mi

40.1

Median age

$63,707

Median household income

$29,435

Per capita income

$180,100

Median home value

$973

Median monthly rent

81.3%

Home ownership

13.2%

Poverty rate

6.1%

Unemployment

5,420

Housing units

19.6%

Bachelor's or higher

Age distribution

Male Female

571

Under 5

550

409

5–9

394

485

10–14

468

500

15–19

483

437

20–24

422

898

25–34

865

849

35–44

818

919

45–54

887

457

55–59

440

683

60–64

659

647

65–74

623

469

75–84

452

161

85+

156

← Male

Female →

Age summary

Group	Count	%
Under 18	3,537	24.1%
18 and over	11,165	75.9%
65 and over	2,508	17.1%
Median age	40.1 years

Race & ethnicity

White 81%

Two or more races 8.8%

Hispanic or Latino 4.3%

Black or African American 3.6%

Other race 1.8%

Asian 0.5%

Group	Count	%
White	12,444	81%
Two or more races	1,347	8.8%
Hispanic or Latino	663	4.3%
Black or African American	554	3.6%
Other race	281	1.8%
Asian	74	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.2%	34.3%	43.4%
$50k – $100k	35.9%	36.2%	30.8%
$100k – $200k	14.1%	24.2%	19.3%
Over $200k	2.7%	5.2%	6.4%

Under $10k 3.3%

$10k–$15k 2.9%

$15k–$25k 9.8%

$25k–$35k 7.5%

$35k–$50k 14.2%

$50k–$75k 22.7%

$75k–$100k 14.0%

$100k–$150k 16.2%

$150k–$200k 5.9%

$200k+ 3.7%

Range	% of households
Under $10k	3.3%
$10k–$15k	2.9%
$15k–$25k	9.8%
$25k–$35k	7.5%
$35k–$50k	14.2%
$50k–$75k	22.7%
$75k–$100k	14.0%
$100k–$150k	16.2%
$150k–$200k	5.9%
$200k+	3.7%
Median income	$63,707

Housing

Home values

Under $50k 9.1%

$50k–$100k 17.2%

$100k–$150k 11.6%

$150k–$200k 18.6%

$200k–$300k 22.7%

$300k–$500k 17.4%

$500k–$1M 3.1%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$180,100
Median rent / month	$973
Owner occupied	81.3%
Renter occupied	18.7%
Vacant	16.7%
Single-family detached	55.4%
Large apartment buildings	0.7%
Mobile homes	42.3%
Median rooms	5.8
Avg household size (owned)	2.63

Year built

Era	%
2020 or later	0.1%
2010–2019	4.6%
2000–2009	18.3%
1990–1999	18.0%
1980–1989	18.8%
1970–1979	17.5%
1960–1969	12.1%
1950–1959	6.6%
1940–1949	2.3%
1939 or earlier	1.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	2.7%
2 bedrooms	21.9%
3 bedrooms	54.7%
4 bedrooms	18.2%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	7.1%
1 vehicle	27.0%
2 vehicles	34.6%
3 or more	31.3%

Heating fuel

Fuel type	%
Utility gas	0.3%
Electricity	95.6%
Propane / LP gas	1.6%
Wood	1.0%
No fuel used	1.4%

Households & families

Household type	Count	%
Married-couple family	3,118	58.3%
Cohabiting couple	267	5.0%
Male householder, no spouse	779	14.6%
Female householder, no spouse	1,186	22.2%
Households with children under 18	1,993	37.3%
Households with seniors (65+)	1,850	34.6%
Average household size	2.74

Marital status

Status	Male	Female
Never married	30.2%	20.3%
Married	55.4%	54.6%
Separated	1.9%	3.2%
Widowed	3.1%	10.6%
Divorced	9.4%	11.4%

Education

Less than 9th grade 3.7%

Some HS, no diploma 7.8%

HS graduate 32.3%

Some college, no degree 27.1%

Associate's degree 9.4%

Bachelor's degree 11.1%

Graduate / professional 8.5%

Metric	%
HS diploma or higher	88.4%
Bachelor's or higher	19.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	269	8.6%
Kindergarten	241	7.7%
Elementary school	1,330	42.5%
High school	785	25.1%
College / grad school	507	16.2%

Employment

Industry of employment

Education & healthcare 20.9%

Retail trade 12.9%

Professional & management 11.5%

Construction 10.3%

Arts, food & hospitality 10.2%

Transportation & utilities 8.4%

Other services 7.1%

Public administration 5.6%

Manufacturing 5.4%

Finance & real estate 3.7%

Wholesale trade 2.1%

Information 1.3%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	29.5%
Service	21.2%
Sales & office	25.7%
Natural resources & construction	14.1%
Production & transportation	9.5%

Employment type

Type	%
Private sector	78.2%
Government	16.7%
Self-employed	5.1%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	79.2%
Carpool	13.0%
Public transit	0.0%
Walk	1.1%
Work from home	6.3%
Other means	0.4%
Avg commute (minutes)	38.1

Poverty

All people 13.2%

Under 18 years 19.0%

18 and over 11.4%

Married-couple families 4.5%

Female-led households 43.2%

Income support

Source	% of households
Social Security	41.1%
Retirement income	27.8%
Supplemental Security	5.5%
Cash public assistance	3.5%
Food stamps / SNAP	14.4%

Health indicators

Condition	%
Obesity	36.6%
High blood pressure	37.4%
High cholesterol	33.3%
Diabetes	12.2%
Heart disease	8.3%
Stroke	4.0%
Asthma	9.4%
Arthritis	29.6%
Kidney disease	3.5%
Pulmonary disease	10.9%
Cancer	7.4%

Behavior / access	%
Smoking	24.7%
Binge drinking	14.9%
No physical activity	29.5%
Less than 7 hrs sleep	38.2%
Depression	22.3%
Fair or poor health	19.8%
Poor mental health	17.6%
Poor physical health	14.2%
No health insurance	21.0%
Visited doctor (checkup)	74.0%
Visited dentist	50.8%
Cholesterol screening	89.9%
Teeth loss	19.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,569	14.2%

Disability	%
Any disability	15.4%
Under 18	5.5%
18–64 years	15.0%
65 and over	30.9%

Health insurance coverage

Type	%
Private insurance	62.8%
Public insurance	38.0%
No insurance	14.8%
Uninsured under 19	9.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	13,581	92.4%
Spanish	58	0.4%
Other Indo-European	14	0.1%
Asian & Pacific Islander	26	0.2%
Other languages	18	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,445	98.3%
Born in same state	14,270	97.1%
Born in different state	8,303	56.5%
Foreign born	175	1.2%
Naturalized citizen	257	1.7%
Not a US citizen	162	63.0%

Ancestry

Ancestry	Count	%
French	1,766	12%
Italian	1,420	9.7%
Arab	743	5.1%
Polish	260	1.8%
English	220	1.5%

Ancestry	Count	%
German	128	0.9%
Irish	78	0.5%
Dutch	33	0.2%
Norwegian	7	0%

Technology access

Metric	% of households
Computer access	36.4%
Internet access	96.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32656

What city is ZIP code 32656 in?

ZIP code 32656 is primarily assigned to Keystone Heights, Florida.

What county is ZIP code 32656 in?

ZIP code 32656 falls within Clay County, Florida.

Is ZIP code 32656 mostly owner-occupied?

81% of occupied units in ZIP code 32656 are owner-occupied, well above the national average.

Does ZIP code 32656 have a large retiree population?

41% of households in ZIP code 32656 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 32656 have a large veteran population?

14% of civilians in ZIP code 32656 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32656?

The median home value in ZIP code 32656 is $180,100.

What timezone is ZIP code 32656 in?

ZIP code 32656 observes the EST timezone.