Median Income
$56,944
24% lower than US avg
Bachelor's+
0.0%
100% lower than US avg
Obesity Rate
41.2%
28% higher than US avg
Unemployment
15.6%
333% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How Keystone Compares to the U.S. Average (100% = U.S. avg)
People
Population92
Median Age23.7 yrs
Density105/mi²
Male / Female48% / 52%
Largest GroupWhite 100%
Veterans0.0%
Economy
C+
Median Income$56,944
Per Capita$21,176
Unemployment15.6%
Poverty0.0%
County GDP$428M
Housing
Ownership100.0%
Zillow$211,022
Housing Units39
Rent Burden33.4%
Health
Obesity41.2%
Uninsured16.3%
Smoking18.4%
Depression27.7%
Heart Disease5.8%
Climate
Avg Temp51°F (11°C)
Rain41.7 in/yr
Elevation861 ft (262 m)
Education
A+
Bachelor's+0.0%
High School+100.0%
Graduate+0.0%
School Score6.03
Community
2024 VoteR 74% / D 24%
Broadband56.3%
EV Stations1
Libraries2
Is Keystone a Good Place to Live?
Based on current data, Keystone receives an overall livability score of 4.0 out of 5.0, earning a grade of A. Key strengths include a low poverty rate. Areas to be aware of include above-average unemployment, a high uninsured rate, below-average incomes. Keystone stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Keystone is $56,944, 24% below the national average of $75,149. At 15.6%, unemployment is notably high. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%.
Education
0.0% of residents hold a bachelor's degree, below the national average of 33.7%. 100.0% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Keystone experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 74°F in July. Annual precipitation totals 41.7 inches, including 32.2 inches of snow.
Keystone has a population of 92 with a density of 105 people per square mile, spread across 0.9 square miles. The median age is 23.7 years, 39% younger than the national median of 38.9. The gender split is 52.2% female and 47.8% male. The city is predominantly White (100%). English is the primary language spoken at home by 54.7% of residents, while 34.2% speak Spanish. 0.0% of the population are veterans, below the national rate of 6.0%. 16.3% of residents have a disability (above the 13.0% national average). 83.7% have health insurance coverage.
Population
92
Total Population
2023 Census
23.7yrs
Median Age
39% below US avg
Language Spoken at Home
English Only
54.7%
30% below US avg
Spanish
34.2%
155% above US avg
The median household income in Keystone is $56,944, which is 24% below the national average of $75,149. Per capita income is $21,176 (below the $39,052 national figure). The average weekly wage is $897, 37% lower than the U.S. average. The unemployment rate is 15.6% (above the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 245 business establishments, including 17 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $56,944 |
| 24% below US avg |
| Per Capita Income | $21,176 |
| Avg Weekly Wage | $897 |
| IRS Avg AGI | $54,691 |
| Gini Index | 0.484 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 15.6% |
| 333% above US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 245 |
| County GDP | $428M |
Business (County)
| Restaurants | 17 |
| Healthcare | 31 |
| Retail | 34 |
| Manufacturing | 21 |
Tax & Cost of Living
| Property Tax (IRS) | $2,313 |
| 34% below US avg |
| Cost of Living | 93.30 (100=avg) |
Commute & Transportation
| Drive Alone | 100.0% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
Zillow estimates the typical home value at $211,022. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 39 total housing units in the city. The median year a home was built is 1983. The average annual property tax is $2,313 (lower than the $3,500 national average). 33.4% of renters spend 30% or more of their income on housing.
Rental Costs
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 39 |
| Median Year Built | 1983 |
Property Tax
| Avg Tax (IRS) | $2,313 |
| 34% below US avg |
In Keystone, 41.2% of adults are obese, above the national rate of 32.1%. 10.9% have diabetes. Heart disease affects 5.8% of residents. 33.8% have high blood pressure. 18.4% are current smokers (above the 14.0% national rate). 18.2% report binge drinking. 25.0% are physically inactive. 27.7% report depression (above the 20.0% national average). 20.1% experience frequent mental distress. 16.3% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,511. The dentist ratio is 1:5,960. 42.5% of residents have access to exercise opportunities. The food environment index is 6.9 out of 10.
Health Metrics: Keystone vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.2% |
| 28% above US avg |
| Diabetes | 10.9% |
| Heart Disease | 5.8% |
| High Blood Pressure | 33.8% |
| Asthma | 11.7% |
| COPD | 7.9% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 18.4% |
| 31% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 25.0% |
| Depression | 27.7% |
| Mental Distress | 20.1% |
| Physical Distress | 13.9% |
| Short Sleep | 38.1% |
Healthcare Access
| Insurance Rate | 83.7% |
| Uninsured | 16.3% |
| 90% above US avg |
| Primary Care | 1:1,511 |
| Dentists | 1:5,960 |
| Mental Health | 1:2,379 |
| Checkup Rate | 76.5% |
| Dental Visits | 58.8% |
| Premature Death | 13,647/100K |
Food & Exercise
| Food Environment | 6.9/10 |
| Exercise Access | 42.5% |
| Healthcare Facilities | 31 |
Keystone experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 26°F in January while summers reach 74°F in July. Annual precipitation totals 41.7 inches. The area receives 32.2 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 861 feet.
Temperature
26°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.3°F |
| 5% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 74°F (23°C) |
Geography
| Elevation | 861 ft (262 m) |
| Area | 0.9 sq mi (2.3 km²) |
| Population Density | 105/sq mi |
| Coordinates | 40.5922°N, 85.2625°W |
| Timezone | America/Indiana/Indianapolis |
| County | Blackford County County |
| Nearest Airport | Delaware County Regional (MIE)
25 miles away |
Precipitation & Snow
Annual Rainfall
41.7"
10% above US avg
Wettest Month (Jun)
4.43"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 9.0 / 100 |
| Social Vulnerability | 51.5 / 100 |
| Community Resilience | 90.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
8 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
115 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
111 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
38 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
76 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
101 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
58 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
52 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
148 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
555 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 65 fatalities, 1,609 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
47 km |
4 |
| Feb 18, 1992 |
EF4 |
60 km |
0 |
| Apr 3, 1974 |
EF4 |
60 km |
1 |
| Apr 3, 1974 |
EF4 |
99 km |
0 |
| Apr 11, 1965 |
EF4 |
11 km |
4 |
| Apr 11, 1965 |
EF4 |
79 km |
3 |
| Apr 11, 1965 |
EF4 |
97 km |
25 |
| Apr 11, 1965 |
EF4 |
93 km |
13 |
| Mar 6, 1956 |
EF4 |
26 km |
1 |
| Mar 14, 2024 |
EF3 |
93 km |
3 |
| Mar 14, 2024 |
EF3 |
47 km |
1 |
| Mar 31, 2023 |
EF3 |
31 km |
0 |
| May 27, 2019 |
EF3 |
96 km |
0 |
| May 27, 2019 |
EF3 |
49 km |
1 |
| May 27, 2019 |
EF3 |
11 km |
0 |
| May 27, 2019 |
EF3 |
85 km |
0 |
| Aug 24, 2016 |
EF3 |
68 km |
0 |
| Aug 24, 2016 |
EF3 |
80 km |
0 |
| Jun 5, 2010 |
EF3 |
78 km |
0 |
| May 30, 2004 |
EF3 |
75 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
2.7 in |
Coldest |
| February |
29°F (-2°C) |
2.4 in |
Driest |
| March |
39°F (4°C) |
3.3 in |
|
| April |
51°F (11°C) |
3.9 in |
|
| May |
62°F (17°C) |
4.2 in |
|
| June |
71°F (22°C) |
4.4 in |
Wettest |
| July |
74°F (23°C) |
4.2 in |
Warmest |
| August |
72°F (22°C) |
4.3 in |
|
| September |
66°F (19°C) |
3.5 in |
|
| October |
54°F (12°C) |
2.9 in |
|
| November |
42°F (5°C) |
3.3 in |
|
| December |
31°F (-0°C) |
2.7 in |
|
Keystone has a seasonal temperature swing of 48°F / from 26°F in January to 74°F in July. Total annual precipitation is 41.7 inches, with June being the wettest month (4.4") and February the driest (2.4").
Average costs for common services in Keystone. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140-$373) |
| Specialist Visit |
$327 ($187-$513) |
| Urgent Care Visit |
$187 ($93-$327) |
| Emergency Room Visit |
$2,053 ($746-$4,665) |
| Dental Cleaning |
$121 ($70-$187) |
| Dental Filling |
$233 ($140-$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23-$70) |
| Oil Change (Synthetic) |
$70 ($47-$112) |
| Brake Pad Replacement |
$280 ($140-$467) |
| Tire Rotation |
$37 ($19-$70) |
| New Tires (Set of 4) |
$560 ($373-$933) |
| Battery Replacement |
$187 ($93-$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56-$140) |
| Electrician (Per Hour) |
$84 ($47-$131) |
| HVAC Repair |
$373 ($140-$746) |
| HVAC System Install |
$6,531 ($3,732-$11,196) |
| Roof Repair |
$933 ($373-$1,866) |
| Roof Replacement |
$8,397 ($5,132-$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467-$3,266) |
| Divorce (Contested) |
$13,995 ($4,665-$27,990) |
| DUI Defense |
$4,665 ($1,866-$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746-$2,799) |
| Will Preparation |
$467 ($187-$933) |
| Trust Preparation |
$2,333 ($933-$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$42) |
| Women's Haircut |
$51 ($28-$93) |
| Hair Coloring (Full) |
$140 ($70-$233) |
| Manicure |
$23 ($14-$42) |
| Pedicure |
$37 ($23-$61) |
| Massage (1 Hour) |
$75 ($47-$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80-$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33-$4.67) |
| Loaf of Bread |
$3.55 ($2.33-$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80-$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73-$7.00) |
| Rice (per lb) |
$0.93 ($0.56-$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75-$233) |
| Natural Gas (Monthly) |
$65 ($28-$140) |
| Water/Sewer (Monthly) |
$65 ($37-$112) |
| Internet (Monthly) |
$65 ($37-$93) |
| Cell Phone Plan (Monthly) |
$61 ($28-$93) |
| Cable TV (Monthly) |
$79 ($47-$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70-$467) |
| Car Insurance (Annual) |
$1,866 ($1,120-$3,266) |
| Bus Pass (Monthly) |
$65 ($28-$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46-$23) |
| Car Registration (Annual) |
$93 ($28-$233) |
| Driver's License Renewal |
$28 ($14-$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560-$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467-$1,866) |
| After-School Care (Monthly) |
$373 ($187-$653) |
| Tutoring (Per Hour) |
$47 ($23-$93) |
| SAT/ACT Prep Course |
$933 ($373-$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665-$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$93) |
| Dog Vaccination (Annual) |
$93 ($47-$187) |
| Dog Grooming |
$56 ($28-$93) |
| Pet Boarding (Per Night) |
$37 ($19-$70) |
| Dog Spay/Neuter |
$280 ($140-$467) |
| Cat Spay/Neuter |
$187 ($93-$373) |
View all 9 services
Frequently Asked Questions About Keystone
What is the population of Keystone?
Keystone has a population of 92 residents and is located in Indiana. The population density is 105 people per square mile, spread across 0.9 square miles. The median age of residents is 23.7 years, which is younger than the national median of 38.9 years. The population is 52.2% female and 47.8% male.
Is Keystone expensive to live in?
Keystone is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $56,944, 24% below the national average of $75,149.
What is the weather like in Keystone?
Keystone has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 74°F in July. Annual rainfall totals 41.7 inches, with 32.2 inches of snow.
How is the job market in Keystone?
The job market in Keystone faces challenges, with unemployment at 15.6% / significantly above the national rate of 3.6%. The average weekly wage is $897. There are 245 business establishments in the area, including 17 restaurants and food service locations.
How are the schools in Keystone?
Schools in Keystone score 6 out of 10 on standardized testing, near the national average. 0.0% of adults in Keystone hold a bachelor's degree or higher, below the national average of 33.7%. 100.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Keystone?
The obesity rate in Keystone is 41.2% (above the national rate of 32.1%). 18.4% of adults are smokers. 25.0% are physically inactive. 27.7% of residents report depression. 16.3% lack health insurance (above the national rate). 42.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,511.
What are the demographics of Keystone?
The racial and ethnic makeup of Keystone is 100% White. 54.7% of residents speak only English at home, while 34.2% speak Spanish. 0.0% of the population are military veterans. 16.3% of residents have a disability. 83.7% have health insurance coverage.