HomeFloridaClay CountyKeystone Heights
Keystone Heights, Florida: commercial real estate data.
Keystone Heights is a Census city of 1,576 people across 1.07 square miles of land, in Clay County. Median household income is $80,217, 81.2 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $6.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Keystone Heights
What Keystone Heights is
- Census place typecity
- Land area1.07 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,467 plus or minus 332
- County holding the largest share of its areaClay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone Heights
How many people live in Keystone Heights
- Population1,576 plus or minus 357
- Median age38.4 plus or minus 8.7
- Population under 18401 plus or minus 106
- Share under 1825.4 percent
- Population 65 and over291 plus or minus 68
- Share 65 and over18.5 percent
- Households586 plus or minus 122
- Family households377 plus or minus 87
- Share of households that are families64.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone Heights
Income and work in Keystone Heights
- Median household income$80,217
- Per capita income$35,561
- Civilian labor force733 plus or minus 175
- Employed701 plus or minus 170
- Unemployed32 plus or minus 34
- Unemployment rate4.4 percent plus or minus 4.5
- Adults 25 and over1,073
- Adults 25 and over with a high school diploma or higher89.1 percent plus or minus 22.6
- Adults 25 and over with a bachelor degree or higher30.3 percent plus or minus 6.8
- Adults 25 and over with a graduate degree13.3 percent plus or minus 5.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone Heights
Housing in Keystone Heights
- Housing units666
- Occupied units586 plus or minus 122
- Vacant units80 plus or minus 65
- Vacancy rate12.0 percent plus or minus 9.5
- Owner occupied476 plus or minus 100
- Renter occupied110 plus or minus 57
- Ownership rate81.2 percent
- Median owner-occupied home value$227,900
- Median gross rent, monthly$1,258 plus or minus $400
- Annual rent as a share of median income18.8 percent plus or minus 6.7
- Single family units634 plus or minus 128
- Share single family95.2 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes32 plus or minus 19
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone Heights
How Keystone Heights gets to work
- Workers 16 and over who commute625 plus or minus 157
- Commuting under 15 minutes147 plus or minus 55
- Share commuting under 15 minutes23.5 percent plus or minus 6.4
- Commuting 30 minutes or more441 plus or minus 120
- Share commuting 30 minutes or more70.6 percent
- Drove alone84.2 percent
- Carpooled5.9 percent plus or minus 3.9
- Public transport0.0 percent
- Walked0.4 percent plus or minus 0.9
- Worked from home7.8 percent plus or minus 5.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Keystone Heights
SBA loans in Keystone Heights (7(a))
- Approvals8
- Gross approval$6,158,100
- Average approval$769,763
- Median approval$521,000
- Largest approval$2,400,000
- Jobs supported100
- Jobs per approval12.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term295 months
- Share on real estate terms of 20 years or more62.5 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Keystone Heights, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Keystone Heights
SBA loans in Keystone Heights (504)
- Approvals3
- Gross approval$541,000
- Average approval$180,333
- Median approval$109,000
- Largest approval$365,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Keystone Heights, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Keystone Heights
Flood risk in Keystone Heights
- NFIP communityCity of Keystone Heights
- NFIP community number120671
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/17/14
The City of Keystone Heights participates in the National Flood Insurance Program as community 120671 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clay County, not Keystone Heights
Clay County context, not Keystone Heights figures
- Establishments in Clay County4,455
- Covered employment, Clay County57,413
- Average annual pay, Clay County$54,688
- Housing units permitted, Clay County1,880
Every figure in this section is published for Clay County as a whole and is not a measurement of Keystone Heights.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Keystone Heights questions, answered from the record.
How many people live in Keystone Heights, Florida?
1,576, in 586 households. Keystone Heights city covers 1.07 square miles of land, which is 1,467 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Keystone Heights in?
Clay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Keystone Heights?
$80,217. The median owner-occupied home is valued at $227,900. Median gross rent is $1,258 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Keystone Heights businesses?
8 7(a) approvals totaling $6.2 m since FY2020, across 6 lenders, median approval $521,000, plus 3 504 approvals worth $541,000 since FY2010. These count approvals to borrowers whose address is in Keystone Heights, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Keystone Heights borrowers get paid back?
No rate is published for Keystone Heights. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Keystone Heights in the National Flood Insurance Program?
Yes. Keystone Heights appears in the FEMA Community Status Book as Keystone Heights, city of, community 120671, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Keystone Heights figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Keystone Heights.
Is zoning published for Keystone Heights?
No. Nothing on this page presents parcel level zoning.