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City · 25,858 residents · Hillsborough County, Florida

Keystone , Florida

In Keystone, a typical home is worth $653,500 and typical rent is $2,238 a month. Compared with all of Hillsborough County, typical household income is 102% higher, the typical home value is 76% higher, and the share of households that own their home is 31 points higher.

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  • Typical home value

    $653,500

    76% above the county

    82% above Florida

    • Keystone
    • Hillsborough
    • Florida

  • Typical rent

    $2,238a month

    34% above the county

    34% above Florida

    • Keystone
    • Hillsborough
    • Florida

  • Typical household income

    $161,056a year

    102% above the county

    116% above Florida

    • Keystone
    • Hillsborough
    • Florida

  • Households that own their home

    92%

    31 points above the county

    25 points above Florida

    • Keystone
    • Hillsborough
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Keystone is in Hillsborough County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hillsborough County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Keystone apart

What this place has that others do not, from public data, most unusual first.

  1. 92% of households in Keystone own their home, against 61% in Hillsborough County.

  2. The typical household income in Keystone is $161,056, 102% more than in Hillsborough County as a whole ($79,540).

  3. The typical home in Keystone is worth $653,500, 76% more than in Hillsborough County as a whole ($371,500).

  4. Nearby, in Citrus Park, the typical home value is $385,000: 41% less than in Keystone ($653,500).

  5. The typical rent in Keystone is $2,238 a month, 34% more than in Hillsborough County as a whole ($1,667).

  6. Nearby, in Northdale, the typical rent is $1,797: 20% less than in Keystone ($2,238).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Keystone

What homes there are in Keystone, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Keystone, 9 in 10 homes are single-family detached houses; in Hillsborough County, 6.

Year built

The typical home in Keystone was built in 1999, 8 years after the typical one in Hillsborough County.

In Keystone, 91% of homes have 3 bedrooms or more, more than in Hillsborough County (60%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,953 a month

Hillsborough County: $2,003 a month

Without a mortgage

$994 a month

Hillsborough County: $657 a month

Owners with a mortgage

69%

Hillsborough County: 64%

In Keystone, 69% of owners have a mortgage, and their typical cost is $2,953 a month, against $2,003 in Hillsborough County. Without one it drops to $994.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Keystone rose at about the same pace as in Hillsborough County: 72% against 72%.

Since 2015–2019, the typical rent in Keystone did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureKeystoneHillsborough CountyFloridaUnited States
Rental vacancy Unreliable estimate6.4%7.6%5.5%
Homeowner vacancy Unreliable estimate1.1%1.4%0.9%
More than one person per room Unreliable estimate3.1%3.3%3.4%
People per household 2.792.562.512.53
Drive alone 61%67%70%69%
Carpool 5%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 32%21%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Keystone are bigger: 2.79 people on average; in Hillsborough County, 2.56.

Many people here do not commute at all: 32% work from home; in Hillsborough County, 21%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Keystone?

A typical home costs more than the typical income allows

We start with a typical home in Keystone, worth $653,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Keystone, which is $161,056 a year. For that payment to be 28% of income, a household would need to earn about $230,189 a year. Note: at that price the loan is above the FHA limit for Hillsborough County ($541,287), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Hillsborough County.

Your numbers

Local data
$

Starts at the typical home value in Keystone. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,873 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,371

at 7.18% · 30 years

Loan amount
$641,663
Total interest
$923,202
Paid off in
November 2056

Includes $11,036 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,758 a month

  • Tight

    $3,758 to $4,832 a month

  • Hard

    more than $4,832 a month

    Your payment · 40%

Compared with the typical household income in Keystone ($161,056 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,371
Principal & interest$4,347
Property tax$463
Home insurance$272
FHA mortgage insurance (MIP)$289

This loan is over the FHA limit

You'd borrow $630,627, but the FHA limit for a one-unit home in Keystone is $541,287. You'd need a bigger down payment or a different loan.

You need at least $22,873 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Keystone and Hillsborough County

Keystone is in Hillsborough County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Keystone's own numbers

Typical home value
$653,500
Typical monthly rent
$2,238
Typical yearly household income
$161,056
Households that own their home
92%
Effective property tax rate
0.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hillsborough County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
13%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hillsborough County.

Everything about Hillsborough County

Buying

Buying a home in Keystone

A typical home in Keystone is worth $653,500: 76% above the county and 82% above Florida. With the typical household income in Keystone ($161,056 a year), a typical home costs 4.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Keystone 4.1 years
  • Hillsborough 4.7 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hillsborough County

According to FHFA’s house price index, home prices in Hillsborough County rose 140% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hillsborough County.

Period County Florida U.S.
Last year (2025) +1.7% −0.5% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +140% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Keystone next to Hillsborough County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Keystone $653,500
  • Hillsborough $371,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Keystone $2,238
  • Hillsborough $1,667
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Keystone $161,056
  • Hillsborough $79,540
  • Florida $74,568
  • United States $80,734
See the full table
Keystone next to Hillsborough County and Florida
Measure Keystone Hillsborough County Florida U.S.
Typical home value $653,500 $371,500 $359,000 $332,700
Typical monthly rent $2,238 $1,667 $1,669 $1,413
Typical yearly household income $161,056 $79,540 $74,568 $80,734
Households that own their home 92% 61% 68% 65%
Typical yearly property tax $5,540 $3,010 $2,730 $3,119
Effective property tax rate 0.85% 0.81% 0.76% 0.94%
Renters with high rent for their income 49% 58% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hillsborough County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Keystone

For a typical $653,500 home in Keystone, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Keystone's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,371a month

    Above the FHA limit for Hillsborough County ($541,287)
    Down payment
    $22,873
    Cash to close
    $42,478
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $289

  • Conventional, 5% down $5,251a month

    Least cash to close
    Down payment
    $32,675
    Cash to close
    $52,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $310

  • Conventional, 20% down, no PMI $4,277a month

    Down payment
    $130,700
    Cash to close
    $150,305
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,881a month

    Down payment
    $98,025
    Cash to close
    $117,630
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Keystone and for Hillsborough County.

Property tax

Effective rate in Keystone

0.85%of the home’s value each year

$5,540 a year for the typical owner in Keystone.

  • Keystone 0.85%
  • Hillsborough 0.81%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Hillsborough County

FEMA does not publish these numbers by city: they are for all of Hillsborough County.

Homes in the high-risk zone
13%
56,828
Of those, with NFIP insurance
61%
County Florida U.S.
Homes in the high-risk zone 13% 13% 3.5%
Of those, with NFIP insurance 61% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Keystone

Typical rent in Keystone is $2,238 a month: 34% above the county. In Keystone, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hillsborough County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.

HUD fair market rent for all of Hillsborough County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,597 $30.71 $63,880
1 bedroom $1,648 $31.69 $65,920
2 bedrooms $1,917 $36.87 $76,680
3 bedrooms $2,448 $47.08 $97,920
4 bedrooms $2,977 $57.25 $119,080

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Keystone

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Keystone is in ZIP code 33556.

For 2 bedrooms it is $2,150: $233 more than the fair market rent for Hillsborough County ($1,917).

  • 33556 $2,150$2,750

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Keystone when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Keystone

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 8 HUD-approved agencies with an office in Hillsborough County; 7 say they serve in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Keystone

1 program is for Keystone or Hillsborough County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Florida: they work in Keystone the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Keystone

The HUD-approved agencies closest to the center of Keystone, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - Tampa, FL

    3824 W. Sligh Avenue, Tampa · 10 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (813) 287-5051

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 3 more
    (813) 932-4663

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (813) 867-9658

Every agency in Hillsborough County All counseling agencies in Florida

Help in Spanish near Keystone

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Keystone

In HUD’s record, no housing authority with an office in Hillsborough County is named for Keystone or Hillsborough County.

2 other authorities have an office in Hillsborough County: see the list Source: HUD

Cities

Other cities in Hillsborough County

These cities are also in Hillsborough County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hillsborough County Housing in Florida
See 19 more cities in Hillsborough County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Keystone, with the typical home value.

Neighboring counties

If Hillsborough County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Keystone.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Keystone

Short answers with the numbers for Keystone and all of Hillsborough County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Keystone?

The typical home value in Keystone is $653,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hillsborough County it is $371,500.

How much does it cost to rent in Keystone?

Typical rent in Keystone is $2,238 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hillsborough County is $1,917.

What is the FHA loan limit in Keystone?

Keystone uses the FHA limit for all of Hillsborough County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Keystone?

The typical homeowner in Keystone pays $5,540 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Hillsborough County, the rate is 0.81%.

Where can I find free help to buy or rent in Keystone?

There are 8 HUD-approved counseling agencies with an office in Hillsborough County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).