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Florida real estate

Clay County, Florida Real Estate

Every town in Clay County, with home values, population and local guides. Typical home value $336,000.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
$336,000Typical home value
-0.5%Home values, past year
236,760Residents (2024)
$86,094Median household income
Homes for sale

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Overview

About Clay County

Clay County is home to about 236,760 people across 604.6 square miles and 5 cities and towns with Winslow Homes guides. The largest are Middleburg, Green Cove Springs, Orange Park, Keystone Heights. Median household income is $86,094 and 76% of households own their home.

Ryan and Megan compare every town in Clay County on price, taxes, schools and commute so you choose the right fit, then handle the loan through The Federal Savings Bank.

View of Clay County, Florida
Towns

Every town in Clay County

Tap any town for its full guide.

TownTypical value1 yearResidents
Middleburg$327,000-0.6%11,911
Green Cove Springs$340,000-0.8%10,087
Orange Park$311,000-0.9%8,993
Keystone Heights$286,000+3.1%1,566
Penney Farms··835
Market data

Clay County by the numbers

The typical home in Clay County is worth $336,000, 10% below the Florida typical value of $375,000.

Typical home value

$336,000

Zillow Home Value Index for Clay County, August 2026. The middle of the market for single family homes and condos.

5 year change

+19.0%

Home values in Clay County moved +19.0% over five years and +88.4% over ten.

Median rent

$1,464/mo

Median gross rent in Clay County. Useful for investors running rental numbers.

Homeownership

76%

Share of occupied homes in Clay County lived in by the owner.

Median year built

1995

A newer housing stock means fewer surprises at inspection.

Household income

$86,094

Median household income in Clay County.

Mortgage planning for a home in Clay County
Financing

Buying in Clay County with the right loan

Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Clay County home of $336,000:

  • FHA, 3.5% down: $11,767 down, loan of $324,000
  • Conventional, 5% down: $16,810 down, loan of $319,000
  • Conventional, 20% down: $67,238 down, loan of $269,000
  • VA, 0% down for eligible veterans, loan of $336,000
Selling

What is your Clay County home worth?

Ryan and Megan price Clay County homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Clay County
Nearby

Counties near Clay County

FAQ

Common questions

What is the typical home value in Clay County, FL?

The Zillow Home Value Index for Clay County was $336,000 in August 2026, -0.5% over the past year.

How many people live in Clay County?

About 236,760 people as of 2024, per the Census Bureau.

What towns are in Clay County?

Green Cove Springs, Keystone Heights, Middleburg, Orange Park, Penney Farms.

Who are the best real estate agents in Clay County?

Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009, with the home and the loan under one team. Call or text 386-690-5858.

Talk to Ryan and Megan

Ready to move in Clay County?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

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Coming soon in Clay County, FL

Get coming-soon homes, pocket listings and price drops in Clay County, FL before they hit the big home search sites.