Clay County, Florida home prices
Typical home $335,274 · -0.3% in a year · property tax 0.72%
The typical home in Clay County is worth $335,274, 11% less than the Florida typical home ($375,361). Values changed -0.3% in the past year and +17.2% over five years. Homeowners here pay a median 0.72% of their home's value in property tax each year ($2,404 on the typical home), versus 0.8% statewide.
Mortgage on the typical Clay County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $67,055 | $268,220 | $1,804 | $0 | $368 | $2,172 | $93,100 |
| 10% down | $33,527 | $301,747 | $2,030 | $126 | $368 | $2,524 | $108,200 |
| 5% down | $16,764 | $318,511 | $2,143 | $133 | $368 | $2,643 | $113,300 |
| 3.5% down (FHA) | $11,735 | $329,202 | $2,215 | $148 | $368 | $2,731 | $117,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Jacksonville metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lee County | $334,485 | -3.5% | 0.79% |
| Brevard County | $342,346 | -0.5% | 0.68% |
| Pasco County | $328,125 | -1.9% | 0.73% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Volusia County | $324,665 | -0.3% | 0.77% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Baker County | $314,146 | +3.4% | 0.64% |
| Osceola County | $359,224 | -2.9% | 0.76% |
Frequently asked questions
What is the average home price in Clay County, FL?
The typical home value in Clay County is $335,274 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clay County?
About $93,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clay County?
The median effective rate is 0.72% of home value a year (Census ACS 2024 5-year estimates).