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Living in
Keystone.
Keystone is an unincorporated community in Hillsborough County, FL. It has no city government: the county runs it, and the Census counts it as its own place.
About
Life in Keystone
Keystone offers a solidly affluent suburban lifestyle with a median household income exceeding $155,000 and strong family-oriented demographics—nearly 41% of households include children. The area has experienced steady growth and maintains a low poverty rate, but you're looking at a median home price around $605,000 and rental costs near $2,227 monthly, so this isn't budget territory. The job market is stable with a 4.0% unemployment rate, though your commute to Tampa proper will average about 32 minutes, and the area is car-dependent given its suburban sprawl.
Keystone at a Glance
Population, income, housing and more
Median Age
46.9 yrs
Poverty Rate
3.9%
Foreign-Born
13.7%
Broadband Internet
97.0%
of households
Population Growth
+4.8%
recent change · Census Bureau
Median household income
Demographics13.7% foreign-born, most often from India
Who lives in Keystone: race and ethnicity, ages, households, languages and countries of origin
In Keystone, the largest foreign-born group is from India (17.4%), and 7.6% of residents speak Spanish at home.
Under 18
25.2%
of residents
65 and Older
17.4%
of residents
Households with Kids
37.8%
anyone under 18
Living Alone
14.4%
of households
Married Couples
76.3%
of households
Avg Household Size
2.79
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 34% above FL average
Rent, home values, and income in Keystone
In Keystone, rent runs 34% above the FL average, and home values are 82% above the FL average.
Median rent (per month)
Median home value
Rent Burdened
46.2%
spending 30%+ of income on rent
Severely Rent Burdened
14.1%
spending 50%+
Cost of Living Index
100.9
metro area (BEA) · US avg = 100
Median Property Tax
$5,540
per year, owner-occupied homes
Homeowners
92.1%
of occupied homes are owned
Typical Home Built
1999
median year built
Vacant Homes
4.3%
of housing units
Jobs & Economyunemployment about average for FL
Unemployment in Keystone and typical pay across the metro area
Unemployment in Hillsborough County, which includes Keystone, is close to the FL average.
Unemployment rate
Keystone: Hillsborough County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Hillsborough County (county-wide) · Annual averages
Keystone is about 2% of Hillsborough County’s population, so county-wide figures may differ from local conditions.
What Keystone Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Tampa-St. Petersburg-Clearwater, FL metro area
Commute31.4 min avg
How Keystone residents get to work, and the nearest airports
In Keystone, most residents drive alone to work (61%), and 48% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 11 mi
Tampa International Airport (TPA)
Major hub12.1M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 62% below national average
Crime rates for 2025
Violent crime in the area policed by the Hillsborough County Sheriff's Office, which covers Keystone, runs 62% below the national average.
Violent Crime Rate
126
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
435.8
per 100,000 residents
Below average (1,552 national, 2025)
Policed by Hillsborough County Sheriff's Office (county-wide rate)
Natural DisastersThunderstorm Wind most common — 6 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively High
98.8 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Hillsborough, county-wide · FEMA NRI December 2025
In Hillsborough County, which includes Keystone, the most common type is thunderstorm wind, with 6 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 6 | Thunderstorm Wind | None reported |
| 2024 | 10 | Thunderstorm Wind | $276,000 |
| 2023 | 5 | Hail | $25,000 |
| 2022 | 15 | Thunderstorm Wind | $60.1M |
| 2021 | 5 | Thunderstorm Wind | $13,000 |
| 2020 | 14 | Thunderstorm Wind | $570,000 |
| 2019 | 7 | Thunderstorm Wind | $611,000 |
| 2018 | 11 | Thunderstorm Wind | $315,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Hillsborough County, county-wide
Keystone is about 2% of Hillsborough County’s population, so county-wide figures may differ from local conditions.
Air Quality49 median AQI — Good
Days by air quality category (2025)
Air quality in Hillsborough County, which includes Keystone, is typically good — 194 good-air days per year.
Median AQI
49
Good Days
194
per year
Moderate Days
169
per year
Unhealthy Days
0
per year
Hillsborough County, county-wide
Keystone is about 2% of Hillsborough County’s population, so county-wide figures may differ from local conditions.
Climate90°F summers, 53°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Keystone has hot summers (avg high 90°F) and warm winters (avg low 53°F).
Spring (Mar–May)
81°/63°F
avg high / low
Summer (Jun–Aug)
90°/75°F
avg high / low
Fall (Sep–Nov)
83°/66°F
avg high / low
Winter (Dec–Feb)
71°/53°F
avg high / low
Annual Precipitation
58.2"
Annual Snowfall
0.0"
Hot Days/Year
95
days above 90°F
Freeze Days/Year
2
days below 32°F
Rainy Days/Year
123
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 69°F | 51°F | 3.03" |
| Feb | 72°F | 54°F | 2.51" |
| Mar | 76°F | 58°F | 3.08" |
| Apr | 81°F | 63°F | 2.69" |
| May | 86°F | 69°F | 2.35" |
| Jun | 90°F | 74°F | 7.06" |
| Jul | 91°F | 76°F | 9.05" |
| Aug | 91°F | 76°F | 9.66" |
| Sep | 89°F | 74°F | 7.03" |
| Oct | 84°F | 67°F | 3.19" |
| Nov | 76°F | 59°F | 1.90" |
| Dec | 71°F | 54°F | 2.74" |
Healthcare
Hospitals, ratings, and health insurance in Keystone
Uninsured
4.2%
of residents
No hospitals inside Keystone's limits — nearest hospitals · within 15 miles
HCA Florida Trinity Hospital
Acute Care Hospitals · ER available · 7.4 mi away · Trinity
Adventhealth Carrollwood
Acute Care Hospitals · ER available · 9 mi away · Tampa
Adventhealth Tampa
Acute Care Hospitals · ER available · 10.1 mi away · Tampa
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education20.8:1 student/teacher ratio
Schools and degree attainment in Keystone
Keystone's student/teacher ratio is 20.8:1 (higher than the national average of 16:1), and 61.5% of adults 25+ hold a bachelor's degree or higher.
Public Schools
5
within city limits
Private Schools
3
within city limits
College Degree Rate
61.5%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
20.8:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges Near Keystone (within 15 miles)
Public · 4-year · 37,207 students · in-state tuition $6,410 · 75% graduate · median earnings $63,660 (10 yrs after entry)
Private nonprofit · 4-year · 10,572 students · in-state tuition $35,744 · 64% graduate · median earnings $69,272 (10 yrs after entry)
Private nonprofit · 4-year · 588 students · in-state tuition $21,628 · 56% graduate · median earnings $52,207 (10 yrs after entry)
Private for-profit · 4-year · 388 students · in-state tuition $18,145 · 45% graduate · median earnings $39,314 (10 yrs after entry)
Arizona College of Nursing-Tampa
12.4 mi awayPrivate for-profit · 4-year · 335 students · in-state tuition $23,213 · median earnings $41,223 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: De Soto National Memorial, 42 mi
Nearby national parks, recreation areas and public libraries for Keystone
Keystone has 1 nearby national park or recreation area, closest being De Soto National Memorial (42 mi away).
Nearby National Parks & Recreation Areas
De Soto National Memorial
National Memorial
42 mi awayPublic Libraries in Keystone
Austin Davis Library
17808 Wayne Road, Odessa
Cities Near Keystone
The closest cities within 60 miles
Planning a move to Keystone?
Read our full moving guide — what it's really like to live here.
Keystone FAQ
Is Keystone, Florida affordable?⌄
Keystone's median rent is $2,238/month, which is significantly above the national average. The median household income is $161,056/year. Median home value is $653,500.
Is Keystone, Florida safe?⌄
Keystone is policed by the Hillsborough County Sheriff's Office, whose violent crime rate across its service area was 126 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 436 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Keystone, Florida?⌄
Hillsborough County, which includes Keystone, has an unemployment rate of 4.0%, which is close to the national average of 4.3%.
What is the cost of living in Keystone, Florida?⌄
The cost of living in Keystone is primarily driven by housing. Median rent is $2,238/month and median household income is $161,056/year. The median home value is $653,500. About 46% of renters spend more than 30% of their income on housing.
How is the commute in Keystone, Florida?⌄
The average commute in Keystone is 31 minutes, which is longer than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from