Median Income
$56,944
24% lower than US avg
Violent Crime
10/100K
97% lower than US avg
Bachelor's+
0.0%
100% lower than US avg
Obesity Rate
41.2%
28% higher than US avg
Unemployment
10.9%
203% 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%
Veterans64.0%
Economy
C+
Median Income$56,944
Per Capita$21,176
Unemployment10.9%
Poverty0.0%
County GDP$428M
Housing
Ownership100.0%
Zillow$194,528
Housing Units39
Rent Burden33.4%
Crime
D
Violent10/100K
Property3,504/100K
Health
Obesity41.2%
Smoking18.4%
Depression27.7%
Heart Disease5.8%
Climate
Avg Temp50°F (10°C)
AQI41 (Good)
Rain40.0 in/yr
Sunny Days275/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%
Broadband32.0%
EV Stations1
Libraries2
Is Keystone a Good Place to Live?
Based on current data, Keystone receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low crime rates, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment, below-average incomes, high obesity rates. Keystone offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Keystone is $56,944, 24% below the national average of $75,149. At 10.9%, unemployment is notably high. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%.
Safety & Crime
Keystone is a very safe community with a violent crime rate of 10 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 3,504 per 100,000, 79% above the national average.
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 50°F. Winters average 25°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.0 inches, including 23.3 inches of snow. Air quality is rated Good with a median AQI of 41.
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 65.8% of residents, while 34.2% speak Spanish. 64.0% of the population are veterans, above the national rate of 6.0%. 12.0% of residents have a disability. 88.0% have health insurance coverage.
Population
23.7yrs
Median Age
39% below US avg
Language Spoken at Home
English Only
65.8%
16% 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 10.9% (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 | 10.9% |
| 203% 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 $194,528. 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.
Real Estate Market (Redfin)
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. 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 | 88.0% |
| |
| 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 has a violent crime rate of 10 per 100,000 residents, 97% below the national average of 380. Property crime stands at 3,504 per 100,000, 79% above the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Keystone receives a safety grade of D.
Crime Rates: Keystone vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 10.0/100K |
| 97% below US avg |
| |
Property Crime
| Total Property | 3,504.4/100K |
| 79% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Traffic Accidents | 6 |
| Avg Accident Severity | 3.3 / 4.0 |
Safety Score
| Safety Grade | D |
| Safety Score | 1.8 / 5.0 |
Keystone experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 25°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.0 inches. The area receives 23.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 861 feet.
Temperature
25°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.1°F |
| 7% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
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
40.0"
5% above US avg
Wettest Month (Jun)
4.02"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
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 |
25°F (-4°C) |
2.0 in |
Coldest |
| February |
27°F (-3°C) |
1.9 in |
Driest |
| March |
38°F (3°C) |
3.0 in |
|
| April |
49°F (9°C) |
3.7 in |
|
| May |
60°F (16°C) |
3.9 in |
|
| June |
69°F (21°C) |
4.0 in |
Wettest |
| July |
73°F (23°C) |
3.9 in |
Warmest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
64°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.6 in |
|
| November |
41°F (5°C) |
3.0 in |
|
| December |
30°F (-1°C) |
2.8 in |
|
Keystone has a seasonal temperature swing of 49°F / from 25°F in January to 73°F in July. Total annual precipitation is 37.3 inches, with June being the wettest month (4.0") and February the driest (1.9").
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.
Is Keystone safe?
Keystone is considered a very safe city with a violent crime rate of 10 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 3,504 per 100,000 (above the national average). Overall, Keystone receives a safety grade of D based on combined crime data.
What is the weather like in Keystone?
Keystone has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 25°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.0 inches, with 23.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Keystone?
The job market in Keystone faces challenges, with unemployment at 10.9% / 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. 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. 65.8% of residents speak only English at home, while 34.2% speak Spanish. 64.0% of the population are military veterans. 12.0% of residents have a disability. 88.0% have health insurance coverage.
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