CitytisticsShortlist

Cost of living, pay and housing

28.13° N · 82.61° W · GEOID 1236462

Keystone

Hillsborough County, Florida · part of the Tampa, FL metro

FloridaKeystone, FLKeystoneKeystone

The short answer

Keystone is home to 25,858 people. Median household income is $161,056 a year and median rent is $2,238 a month, 16.7% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $653,500, about 4.1x annual median household income.

The story in Keystone is how fast things are changing. Household income rose 6.7% a year while rent rose -1.8% between the 2019 and 2024 surveys, pay gained on rent more than in 99% of places its size. Also notable: After the median rent, with other prices set to the US average, the median household keeps about $140,100 a year, more than in 94% of places its size.

84OF 100

CTXCitytistics Index

Strong

Keystone scores better than 84% of the 6,612 places we rate, and ranks 14th of 474 in Florida.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%62
Economy 20%90
Safety 20%n/a
Amenities 15%45
Education 10%90
Commute 10%17
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$2,238
64% above the median place
Median household income
$161,056
101% above the median place
Median home value
$653,500
105% above the median place
Unemployment
3.2%
35% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Keystone

  • Housing92% of homes are owner-occupied, more than in 98% of the 987 places of 25,000 to 50,000 people we track.
01

Moving to Keystone

Hillsborough County loses about 1.0 residents per 1,000 a year to moves between counties.

Moved in81,755
Moved out82,941
Net−1,186

Where people come from and where they go, top counties

Pasco County, FL6,98015,086−8,106
Pinellas County, FL7,4237,164+259
Polk County, FL3,5885,992−2,404
Manatee County, FL2,2972,128+169
Miami-Dade County, FL2,6031,246+1,357
Orange County, FL1,9031,652+251
Broward County, FL1,720896+824

Within Florida, other states or abroad

Arrivals
Leavers
Within FloridaOther statesAbroad

Income per tax return

Arrivals$78K
Leavers$72K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Hillsborough County; flows under 20 returns are not published.

Who moves here
8.8% of residents arrived from another county in the past year, 3.2% from another state.
Who arrives and who leaves
Households moving into Hillsborough County report $78,000 a year in income on average; those leaving, $72,400, so newcomers earn more than leavers.
Income you would need
$89,500 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,238 a month; owners with a mortgage pay $2,953 a month including taxes and insurance, on a median home of $653,500.
Getting to work
31 minutes each way on average; 32.1% work from home.
If it is close but not quite
Lucas, TX matches it on character for less of your income. Compare the two
Moved here in the past year1
8.8%
53% above the median place
Moved from another state1
3.2%
64% above the median place
Income of households moving in7
$77,979
10% above the median place
All 5 moving measures
MeasureKeystoneAmong 6,645 placesVs median
Moved here in the past year18.8%53% above
Moved from another state13.2%64% above
Net movers per 1,000 people7County figure-1.067% below
Income of households moving in7County figure$77,97910% above
Income of households moving out7County figure$72,3663% above
02

What it costs to live here

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 99 out of 100. Budget for insurance before counting the savings.

Keystone16.7%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$89,520
a year, at the 30% line
Rent to income
16.7%
18% below the median place
Home price to income
4.1x
7% above the median place

Could you afford it?

The median rent would take
17%
comfortably under the 30% line
Left after rent, in US prices
$140,100
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Keystone, $2,238 a month, and local prices for everything else (95.8 against a US average of 100). It runs in your browser and stores nothing.

Like Keystone, but easier on the budget

Places that match Keystone on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Lucas, TX889.6% vs 16.7%$60,000Compare
Trophy Club, TX8611.9% vs 16.7%$36,900Compare
Weddington, NC8612.1% vs 16.7%$32,200Compare
Lake Norman of Iredell, NC859.2% vs 16.7%$21,900Compare

Moving from somewhere else? Work out the salary you would need in Keystone.

Sponsored · exampleMoving to Keystone? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
92.1%
39% above the median place
Median year built1
1999
1% above the median place
Median home value1
$653,500
105% above the median place
All 16 cost and housing measures
MeasureKeystoneAmong 6,645 placesVs median
Median gross rent1$2,23864% above
Rent to income116.7%18% below
Property tax rate10.8%7% below
Home price to income14.1x7% above
Prices vs US average2Metro figure100.90% above
Fair market rent, 2 bedrooms3County figure$1,91719% above
HUD area median income4County figure$104,7002% below
Property tax paid (median)1$5,54070% above
Median home value1$653,500105% above
Home prices, 1-year change5County figure1.7%48% below
Home prices, 5-year change5County figure63.3%23% above
Homeownership192.1%39% above
Renters paying 30%+149.5%2% below
Owner costs with a mortgage1$2,95358% above
Vacant homes14.3%39% below
Median year built119991% above
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Works from home1
32.1%
158% above the median place
Median household income1
$161,056
101% above the median place

More on work and pay, against the typical place

Income per person$76,045 +90%
Poverty rate3.9% −64%
Unemployment3.2% −35%
Mean commute31 min +26%
All 10 work and pay measures
MeasureKeystoneAmong 6,645 placesVs median
Median household income1$161,056101% above
Income per person1$76,04590% above
Unemployment13.2%35% below
Average annual pay6County figure$77,99818% above
Pay growth, 1 year6County figure3.6%3% below
Jobs6County figure795,729above (median 150,665)
Poverty rate13.9%64% below
Mean commute131 min26% above
Works from home132.1%158% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

Median age is 46.9, 20% above the median place.

Median age1
46.9
20% above the median place
Bachelor's or higher1
61.5%
92% above the median place
Homes with broadband1
97.0%
5% above the median place

More about who lives here, against the typical place

High school or higher96.2% +4%
No health insurance4.2% −34%
Household size2.8 +12%
Born abroad13.7% +55%
All 8 people measures
MeasureKeystoneAmong 6,645 placesVs median
Population125,8581796th largest
Median age146.920% above
Bachelor's or higher161.5%92% above
High school or higher196.2%4% above
Household size12.812% above
Born abroad113.7%55% above
No health insurance14.2%34% below
Homes with broadband197.0%5% above
05

Life in Keystone

About 33 km of named paths and bike trails are mapped in and around the city, more than in 92% of the 987 places of 25,000 to 50,000 people we track.

101 sites are on the National Register of Historic Places, 4 of them National Historic Landmarks. Its history on Wikipedia

Out the door, against the typical place

Parks per 10k residents6.2 −39%
Playgrounds per 10k1.6 −84%
Grocery stores per 10k1.6 −27%
Restaurants, cafes and bars per 10k3.1 −72%
Libraries per 10k0.8 −11%
Named paths and bike trails33 km 16.3×
Bus and rail stops per sq mi0.1 −57%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • De Soto National Memorial 42 miles
  • Canaveral National Seashore 119 miles
  • Fort Matanzas National Monument 137 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars18.0 −13%
Shops31.2 +3%
Arts, recreation and fitness4.5 +10%
Doctors' offices and clinics26.5 +31%
Child care centers2.4 +4%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site10
42.1
37% above the median place
Public school students12
220,863
above the median place (median 4,897)
Public schools12
294
above the median place (median 9)
All 18 schools and local life measures
MeasureKeystoneAmong 6,645 placesVs median
Public schools12County figure294above (median 9)
Public school students12County figure220,863above (median 4,897)
Students per teacher12County figure20.332% above
Restaurants and bars per 10k8County figure18.013% below
Shops per 10k8County figure31.23% above
Arts, recreation and fitness per 10k8County figure4.510% above
Doctors' offices and clinics per 10k8County figure26.531% above
Child care centers per 10k8County figure2.44% above
Parks per 10k96.239% below
Playgrounds per 10k91.684% below
Grocery stores per 10k91.627% below
Restaurants, cafes and bars per 10k93.172% below
Libraries per 10k90.811% below
Named paths and bike trails932.6above (median 2.0)
Transit stops per sq mi90.157% below
Nearest National Park Service site1042.137% above
National Park Service sites within 60 miles10150% below
National Register listings11County figure101above (median 13)
06

Safety, weather and risk

January average low is 50°F, 99% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Keystone. Larger places are fetched first.

January average low13
50°F
99% above the median place
Tornado risk14
99.7
22% above the median place
Average temperature13
73°F
33% above the median place
All 11 weather and risk measures
MeasureKeystoneAmong 6,645 placesVs median
July average high13County figure91°F5% above
January average low13County figure50°F99% above
Average temperature13County figure73°F33% above
Annual precipitation13County figure53.6 in22% above
Natural hazard risk14County figure98.87% above
Hurricane risk14County figure99.341% above
Tornado risk14County figure99.722% above
Wildfire risk14County figure95.756% above
Heat wave risk14County figure97.08% above
Median air quality index15County figure4914% above
Good air days15County figure53.2%22% below
08

Keystone in 2030: where the trends point

If recent trends hold, the median rent will take about 16% of the median income in 2030, about the same as 17% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Keystone does better than 62% of places. Its projected home value growth beats 88%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,238/mo (2024)$2,790/mo$2,290 to $3,400/mo+3.8%
Median household income$161,056 (2024)$205,500$174,000 to $243,500+4.2%
Median home value$653,500 (2024)$970,000$704,000 to $1,336,000+6.8%

The median home would be worth 4.7 years of the median income in 2030, against 4.1 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Keystone

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Park Ridge, NJ$2,257$171,029Compare
Walpole, MA$2,184$154,263Compare
Cloverly, MD$2,129$152,083Compare
Congers, NY$2,239$147,000Compare
Congers, NYCloverly, MDWalpole, MAPark Ridge, NJKeystone, FLKeystonePark RidgeWalpoleCloverlyKeystonePark RidgeWalpoleCloverly

Places built like Keystone

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Keystone performs against places like it.

PlaceRent to incomeIncome growthPop. change
Keystone, FL16.7%6.7%/yrn/a
Trinity, FL25.9%7.4%/yrn/aCompare
Lake Norman of Iredell, NC9.2%16.4%/yrn/aCompare
Weddington, NC12.1%6.9%/yr10.2%Compare
Fruit Cove, FL19.8%5.7%/yrn/aCompare
Tega Cay, SC11.9%1.6%/yr13.1%Compare
Colleyville, TX17.9%6.0%/yr-1.2%Compare

Common questions

Is Keystone a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 84 out of 100, better than 84% of the places we rate and 14th of 474 in Florida. 92% of homes are owner-occupied, more than in 98% of the 987 places of 25,000 to 50,000 people we track. On cost, space and class size it scores 96 out of 100 for families. See how it ranks with your own weights.

Is Keystone expensive to live in?

The median rent takes 16.7% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $653,500.

What salary do you need to live in Keystone?

To rent the median home without spending more than 30% of income on rent, a household needs about $89,520 a year. Work it out from your current city.

What places are similar to Keystone?

On income, rent, home value, education and age, the closest matches are Park Ridge, NJ, Walpole, MA, Cloverly, MD and Congers, NY.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Keystone with places of a similar size, using only figures measured for Keystone itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/keystone-florida

Citytistics. “Keystone, Florida.” Data as of 2026-11-14. https://www.citytistics.com/city/keystone-florida/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.