Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$335,274−0.3% YoY · prices are flat
Market right nowBalanced marketFewer homes for sale than last year, 26% have cut their price
Income needed to buy, per year$72,681About 0.8× the local median income ($89,972): affordable for a typical household
Days on market66 daysFaster than a year ago: sellers have the edge
Next 12 months−0.5%Zillow expects prices to stay about flat
The typical home in Clay County, FL is worth $335,274, about the same as a year ago. That is slightly above what local incomes have historically supported: fair value is about $311,819, so the area is 7.5% overvalued. It is a balanced market: homes take about 66 days to sell, listings are down 6% from a year ago, 26% of listings have had a price cut. Zillow expects prices to fall about 0.5% over the next year. A household needs about $72,681 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $89,972. Typical rent is $1,805 a month, or $2,230 for a house. In the latest IRS figures, 3,611 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$335,274
Change in 1 year
−0.3%
Overvalued %
+7.5%
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Fair home value
$311,819
Change in 5 years
+17.2%
Zillow forecast, next 12 months
−0.5%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$1,817
Income needed to afford it
$72,681
Property tax rate
0.72%
Rent and investing
Typical rent
$1,805
Typical rent for houses
$2,230
Price-to-rent ratio
15.5×
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HUD Fair Market Rent, 2 bedrooms
$1,694
Gross rental yield
6.46%
Cap rate (estimate)
4.20%
Market activity
Listings vs a year ago
−5.5%
Days on market
66
Listings with a price cut
26.3%
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Homes for sale
928
Pending sales per 100 listings
42
Asking price per sq ft
$189
People and jobs
Median household income
$89,972
Population change (1 year)
+1.0%
Unemployment rate
3.8%
Show 4 more
Population
239,593
Income adjusted for cost of living
$90,424
Net moves in (IRS)
+3,611
Cost of living (US = 100)
99.5
Schools, risk and environment
School rating (1 to 10)
7.5
FEMA hazard risk score (0 to 100)
81.1
Flood risk score
85.9
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Wildfire risk score
82.9
Walkability (1 to 20)
7.0
Road, rail and air noise
54 dB
Questions people ask
Is Clay County, FL overvalued?
Home prices in Clay County, FL are slightly above what local incomes have historically supported: fair value is about $311,819, so the area is 7.5% overvalued.
Is Clay County, FL a buyer's or seller's market?
Clay County, FL is a balanced market: homes take about 66 days to sell, listings are down 6% from a year ago, 26% of listings have had a price cut.
Are home prices going down in Clay County, FL?
Home values in Clay County, FL are down 0.3% over the last year. Zillow's forecast for the next 12 months is −0.5%.
How much do you need to earn to buy a home in Clay County, FL?
A household needs about $72,681 a year to afford the typical home in Clay County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $89,972.