32656 Zip Code Detailed Profile




City: Keystone Heights, FL (1.78%)
Counties: Clay County, FL (94.72%), Bradford County, FL (5.28%)
Estimated zip code population in 2013: 13,565
Zip code population in 2010: 14,014
Zip code population in 2000: 11,709

Houses and condos: 6,441
Renter-occupied apartments: 799
% of renters here:

15%
State:

35%
Mar. 2013 cost of living index in zip code 32656: 83.8 (less than average, U.S. average is 100)

Land area: 56.6 sq. mi.
Water area: 5.8 sq. mi.
Population density: 240 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 32656
Zip code 32656 (Keystone Heights, Florida) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 32656

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Real estate property taxes paid for housing units in 2013:
This zip code:

0.8% ($894)
Florida:

1.1% ($1,623)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,090 (0.8%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $742 (0.9%)

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Males: 6,915  (51.0%)
Females: 6,650  (49.0%)

For population 25 years and over in 32656:

For population 15 years and over in 32656:

Zip code 32656 compared to state average:

  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Median age above state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • Percentage of population with a bachelor's degree or higher below state average.
  • Races in zip code 32656

  • Zip code 32656 races chart
    • 13,053White population
    • 164Black population
    • 86American Indian population
    • 73Asian population
    • 4Native Hawaiian and Other Pacific Islander population
    • 12Some other race population
    • 189Two or more races population
    • 433Hispanic or Latino population

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Data:
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Urban population: 6,493
Rural population: 7,071

Estimated median house/condo value in 2013: $118,300
32656:

$118,300
Florida:

$153,300



According to our research of Florida and other state lists there were 46 registered sex offenders living in 32656 zip code as of February 10, 2016.
The ratio of number of residents in zip code 32656 to the number of sex offenders is 219 to 1.


Median resident age:
This zip code:

46.1 years
Florida median age:

41.5 years
Average household size:
This zip code:

2.6 people
Florida:

2.6 people

Averages for the 2012 tax year for zip code 32656, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $42,692 (Individual Income Tax Returns)
Here:

$42,692
State:

$60,316

Salary/wage: $38,451 (reported on 78.9% of returns)
Here:

$38,451
State:

$45,277
(% of AGI for various income ranges: 67.6% for AGIs below $25k, 76.8% for AGIs $25k-50k, 74.4% for AGIs $50k-75k, 72.8% for AGIs $75k-100k, 69.5% for AGIs $100k-200k, 41.9% for AGIs over 200k)

Taxable interest for individuals: $1,089 (reported on 25.6% of returns)
This zip code:

$1,089
Florida:

$3,587
(% of AGI for various income ranges: 1.1% for AGIs below $25k, 0.5% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.8% for AGIs $100k-200k, 0.5% for AGIs over 200k)

Ordinary dividends: $3,041 (reported on 12.5% of returns)
Here:

$3,041
State:

$12,831
(% of AGI for various income ranges: 1.1% for AGIs below $25k, 0.9% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 0.9% for AGIs $100k-200k, 0.5% for AGIs over 200k)

Net capital gain/loss in AGI: +$5,271 (reported on 9.4% of returns)
Here:

+$5,271
State:

+$33,493
(% of AGI for various income ranges: 0.4% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 1.3% for AGIs $100k-200k, 12.1% for AGIs over 200k)

Profit/loss from business: +$7,773 (reported on 13.2% of returns)
Here:

+$7,773
State:

+$10,012
(% of AGI for various income ranges: 8.3% for AGIs below $25k, 1.8% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 2.1% for AGIs $100k-200k)

Taxable individual retirement arrangement distribution: $14,973 (reported on 9.9% of returns)
32656:

$14,973
Florida:

$21,544
(% of AGI for various income ranges: 3.1% for AGIs below $25k, 2.5% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 3.2% for AGIs $75k-100k, 6.7% for AGIs $100k-200k)

Total itemized deductions: $18,169 (25% of AGI, reported on 20.2% of returns)
Here:

$18,169
State:

$25,533

Here:

25.1% of AGI
State:

18.0% of AGI
(% of AGI for various income ranges: 7.9% for AGIs below $25k, 8.4% for AGIs $25k-50k, 7.5% for AGIs $50k-75k, 9.1% for AGIs $75k-100k, 10.6% for AGIs $100k-200k, 6.4% for AGIs over 200k)

Charity contributions: $4,309 (reported on 14.6% of returns)
Here:

$4,309
State:

$5,698
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 1.2% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 2.3% for AGIs $100k-200k, 1.3% for AGIs over 200k)

Taxes paid: $3,200 (reported on 19.7% of returns)
32656:

$3,200
State:

$6,203
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 1.4% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 1.7% for AGIs over 200k)

Earned income credit: $2,357 (reported on 23.3% of returns)
Here:

$2,357
State:

$2,372
(% of AGI for various income ranges: 7.8% for AGIs below $25k, 1.3% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 43.1%
Here:

43%
State:

54%
(% for various income ranges: 42.7% for AGIs below $25k, 41.0% for AGIs $25k-50k, 43.0% for AGIs $50k-75k, 42.6% for AGIs $75k-100k, 51.3% for AGIs $100k-200k, 75.0% for AGIs over 200k)

Averages for the 2004 tax year for zip code 32656, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $36,761 (Individual Income Tax Returns)
Here:

$36,761
State:

$50,523

Salary/wage: $33,255 (reported on 81.8% of returns)
Here:

$33,255
State:

$39,563
(% of AGI for various income ranges: 92.5% for AGIs below $10k, 72.0% for AGIs $10k-25k, 78.8% for AGIs $25k-50k, 78.3% for AGIs $50k-75k, 76.9% for AGIs $75k-100k, 57.1% for AGIs over 100k)

Taxable interest for individuals: $1,761 (reported on 33.6% of returns)
This zip code:

$1,761
Florida:

$3,211
(% of AGI for various income ranges: 4.1% for AGIs below $10k, 2.3% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 1.9% for AGIs over 100k)

Taxable dividends: $2,075 (reported on 15.4% of returns)
Here:

$2,075
State:

$6,129
(% of AGI for various income ranges: 2.5% for AGIs below $10k, 0.9% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.3% for AGIs over 100k)

Net capital gain/loss: +$7,635 (reported on 12.9% of returns)
Here:

+$7,635
State:

+$27,205
(% of AGI for various income ranges: -1.5% for AGIs below $10k, 0.2% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 2.7% for AGIs $75k-100k, 10.0% for AGIs over 100k)

Profit/loss from business: +$6,587 (reported on 13.9% of returns)
Here:

+$6,587
State:

+$10,634
(% of AGI for various income ranges: 2.4% for AGIs below $10k, 4.6% for AGIs $10k-25k, 2.4% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 3.2% for AGIs over 100k)

IRA payment deduction: $3,171 (reported on 1.5% of returns)
32656:

$3,171
Florida:

$3,082
(% of AGI for various income ranges: 0.1% for AGIs $10k-25k, 0.1% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.2% for AGIs over 100k)

Total itemized deductions: $15,895 (25% of AGI, reported on 20.6% of returns)
Here:

$15,895
State:

$20,370

Here:

25.2% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 10.0% for AGIs below $10k, 7.4% for AGIs $10k-25k, 7.7% for AGIs $25k-50k, 9.8% for AGIs $50k-75k, 10.8% for AGIs $75k-100k, 8.7% for AGIs over 100k)

Charity contributions deductions: $4,064 (6% of AGI, reported on 16.3% of returns)
Here:

$4,064
State:

$4,064

Here:

6.0% of AGI
State:

3.8% of AGI
(% of AGI for various income ranges: 0.7% for AGIs below $10k, 1.1% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 3.0% for AGIs over 100k)

Total tax: $4,633 (reported on 71.9% of returns)
32656:

$4,633
State:

$9,431
(% of AGI for various income ranges: 2.6% for AGIs below $10k, 3.7% for AGIs $10k-25k, 6.1% for AGIs $25k-50k, 8.3% for AGIs $50k-75k, 10.4% for AGIs $75k-100k, 18.0% for AGIs over 100k)

Earned income credit: $1,685 (reported on 19.2% of returns)
Here:

$1,685
State:

$1,808

Percentage of individuals using paid preparers for their 2004 taxes: 50.9%
Here:

51%
State:

60%
(% for various income ranges: 44.0% for AGIs below $10k, 52.5% for AGIs $10k-25k, 51.3% for AGIs $25k-50k, 51.1% for AGIs $50k-75k, 56.0% for AGIs $75k-100k, 64.9% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$45,464
Florida:

$46,036
Keystone Heights, FL (32656) map Nearest zip codes: 32666, 32140, 32631, 32694, 32091, 32148.
Percentage of family households:
This zip code:

50.9%
Florida:

44.0%
Percentage of households with unmarried partners:
This zip code:

3.0%
Florida:

6.3%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 565
Household did not receive Food Stamps/SNAP in the past 12 months: 4,699


Women who had a birth in the past 12 months: 92 (69 now married, 23 unmarried)
Women who did not have a birth in the past 12 months: 2,656 (1,612 now married, 1,044 unmarried)


Housing units in zip code 32656 with a mortgage: 2,567 (182 second mortgage, 373 home equity loan)
Houses without a mortgage: 1,898

Median monthly owner costs for units with a mortgage: $1,072
Median monthly owner costs for units without a mortgage: S250

Residents with income below the poverty level in 2013:
This zip code:

12.9%
Whole state:

17.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

7.6%
Whole state:

9.4%
Median number of rooms in houses and condos:
Here:

5.6
State:

5.8
Median number of rooms in apartments:
Here:

4.9
State:

4.3
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 32656: Hunters Run Golf Course (A), YMCA Camp Immokalee (B), Salvation Army Camp Keystone (C), Keystone Village (D), McRae Volunteer Fire Department (E), Clay County Fire Rescue Keystone Heights Station 10 (F), Keystone Heights Municipal Building (G), Keystone Heights Public Library (H). Display/hide their locations on the map

    Churches in zip code 32656 include: Gadara Baptist Church (A), Keystone Heights Church of God (B), Community Hope Church of God (C), Keystone Presbyterian Church (D), Church of Christ (E), First Baptist Church of Keystone Heights (F), First Assembly of God (G), Fresh Start Fellowship (H), Christ Evangelical Lutheran Church (I). Display/hide their locations on the map

    Cemeteries: Keystone Heights Cemetery (1), Gadara Cemetery (2). Display/hide their locations on the map

    Lakes: Persimmon Pond (A), Coopers Pond (B), M Lake (C), Twin Lakes (D), Silver Lake (E), Lake Bedford (F), Smith Lake (G), Hall Lake (H). Display/hide their locations on the map

    Streams, rivers, and creeks: Alligator Creek (A), Gold Head Branch (B), Devils Den Creek (C). Display/hide their locations on the map

    Parks in zip code 32656 include: Mike Roess Gold Head Branch State Park (1), McDavid Park (2), Keystone Beach (3), Keystone Heights High School Stadium (4). Display/hide their locations on the map

Year house built

  • 02010 or later
  • 1,3882000 to 2009
  • 1,2081990 to 1999
  • 1,4121980 to 1989
  • 1,1501970 to 1979
  • 6521960 to 1969
  • 4291950 to 1959
  • 951940 to 1949
  • 1071939 or earlier

Zip code 32656 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Keystone Heights, FL (32656)

  • 4no bedroom
  • 2151 bedroom
  • 8832 bedrooms
  • 2,7553 bedrooms
  • 5404 bedrooms
  • 685+ bedrooms

Bedrooms in renter-occupied apartments in Keystone Heights, FL (32656)

  • 37no bedroom
  • 421 bedroom
  • 2292 bedrooms
  • 4123 bedrooms
  • 794 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Keystone Heights, FL (32656) in owner-occupied houses/condos

  • 137no vehicle
  • 1,1301 vehicle
  • 2,4212 vehicles
  • 5083 vehicles
  • 2524 vehicles
  • 175+ vehicles

Cars and other vehicles available in Keystone Heights, FL (32656) in renter-occupied apartments

  • 108no vehicle
  • 3561 vehicle
  • 2622 vehicles
  • 513 vehicles
  • 164 vehicles
  • 65+ vehicles

Median gross rent in 2013: $906.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $118,300
32656:

$118,300
Florida:

$153,300
Lower value quartile - upper value quartile: $62,400 - $196,000

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 16.1%

Percentage of zip code residents living and working in this county: 35.5%

Household type by relationship:

Households: 13,549

Size of family households: 2,031 2-persons, 822 3-persons, 536 4-persons, 250 5-persons, 90 6-persons, 75 7-or-more-persons

Size of nonfamily households: 1,276 1-person, 184 2-persons

1,940 married couples with children.
716 single-parent households (218 men, 498 women).

95.7% of residents of 32656 zip code speak English at home.
2.6% of residents speak Spanish at home (55% very well, 42% well, 2% not well).
1.4% of residents speak other Indo-European language at home (80% very well, 20% not at all).
0.3% of residents speak Asian or Pacific Island language at home (79% very well, 21% well).

Foreign born population: 443 (3.3%)
(68.8% of them are naturalized citizens)
This zip code:

3.3%
Whole state:

19.4%

Most common places of birth for the foreign-born residents

  • 19%Guyana
  • 18%Canada
  • 13%Germany
  • 11%Haiti
  • 11%Cuba
  • 7%Scotland
  • 6%Philippines

Most common first ancestries reported in 32656 (%)

  • 16%Other groups
  • 12%German
  • 12%Irish
  • 11%English
  • 10%American
  • 5%Italian
  • 3%French (except Basque)

Year of entry for the foreign-born population

  • 02010 or later
  • 692000 to 2009
  • 1361990 to 1999
  • 414Before 1990

Zip code 32656 topographic map

Private primary/middle schools not listed on the city page:

  • COMMUNITY CHRISTIAN SCHOOL (Students: 140; Location: PO BOX 1040, KEYSTONE HGTS, FL; Grades: PK - 8)
  • FAMILY CHRISTIAN ACADEMY (Students: 133; Location: PO BOX 1007, KEYSTONE HGTS, FL; Grades: PK - 8)

Major facilities with environmental interests located in this zip code:


Zip code 32656 marital status for males
Zip code 32656 marital status for females

Housing units lacking complete plumbing facilities: 1.8%
Housing units lacking complete kitchen facilities: 0.8%

Most commonly used house heating fuel

  • 96%Electricity
  • 3%Bottled, tank, or LP gas
  • 1%No fuel used

Population in 1990: 8,011. Population change in the 1990s: +3,698 (+46.2%).

Place of birth for U.S.-born residents:


56% of the 32656 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 35% lived in this county.
   Out of people who lived in different counties, 50% lived in Florida.

94% of the 32656 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 40% moved from this county.
   Out of people who lived in different houses, 41% moved from different county within same state.
   Out of people who lived in different houses, 19% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 74
Here:

6.6%
Florida:

11.4%
Students in private schools in grades 9 to 12 (high school): 26
Here:

3.7%
Florida:

10.6%
Students in private undergraduate colleges: 62
Here:

8.9%
Florida:

20.9%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 80,417Architecture and engineering occupations
  • 70,417Arts, design, entertainment, sports, and media occupations
  • 66,818Management occupations
  • 54,375Health diagnosing and treating practitioners and other technical occupations
  • 50,882Health technologists and technicians
  • 43,750Production occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2000:

  • 31 people in other noninstitutional group quarters

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 2
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 3
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 3
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 3
  • Persons involved in fatal accidents: 13
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 2 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED40$127,18021$129,429103$128,6347$100,0499$145,36230$84,439
APPLICATIONS APPROVED, NOT ACCEPTED2$84,7103$69,76315$118,9271$31,7100$08$96,603
APPLICATIONS DENIED9$142,54415$112,22389$142,79216$45,9798$113,36434$77,196
APPLICATIONS WITHDRAWN10$121,3137$153,76142$138,7265$70,1245$99,29816$94,338
FILES CLOSED FOR INCOMPLETENESS0$02$261,83514$120,1102$54,3603$179,6902$68,405
Choose year:  2009 2008 2007 2006 2005 2004 2003 1999

Detailed HMDA statistics for the following Tracts: 0311.03

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED2$168,5153$145,563
APPLICATIONS APPROVED, NOT ACCEPTED0$01$165,800
APPLICATIONS DENIED1$121,4001$180,290
APPLICATIONS WITHDRAWN0$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$0
Choose year:  2009 2008 2007 2006 2005 2004 2003 1999

Detailed PMIC statistics for the following Tracts: 0311.03

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 32656 among deceased individuals
NameCountLived (average)
John7875.4 years
William7774.2 years
Robert6774.4 years
James6274.5 years
Mary4080.1 years
George3879.8 years
Charles3275.1 years
Edward3176.4 years
Frank2678.3 years
Thomas2568.7 years
Most common last names in zip code 32656 among deceased individuals
Last nameCountLived (average)
Smith2277.0 years
Williams1783.6 years
Miller1573.9 years
Thomas1569.1 years
Brown1465.0 years
Jones1475.0 years
Hall1270.8 years
Thompson1165.2 years
Johnson1169.2 years
Wilson1171.5 years
Businesses in zip code 32656
NameCountNameCount
Ace Hardware1Pizza Hut1
Advance Auto Parts1RadioShack1
CVS1Subway2
Curves1True Value1
FedEx2U-Haul1
H&R Block1UPS2
Hardee's1Walgreens1
McDonald's1YMCA1

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