Clay County, Florida Housing Market Prices
Clay County Home Prices and Rent at a Glance
The median home price (often called the average home price), rent costs, affordability metrics, and housing stock characteristics for this housing market.
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Median home price 10% below the Florida median$279,761
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Median rent 7% below the Florida median$1,551
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | Clay County | Florida Avg | US Average |
|---|---|---|---|
| Median Home Price | $279,761 | $311,338 | $248,835 |
| Price Trend (Annual %) | 14.4% | 11.2% | 7.5% |
| Median Gross Rent | $1,551 | $1,668 | $1,407 |
| Rent Trend (Annual %) | 5.3% | 6.2% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in Clay County is about 10% lower than in Florida. Rent is about 7% lower than the Florida average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Both home prices and rent are rising in Clay County, up about 14.4% and 5.3% a year respectively. Home prices are changing faster.
Median rent in Clay County rose about 52.9% between 2015 and 2024, from $1,014 to $1,551. Over the same span, rent in Florida rose about 66.5%.
Affordability
On average, housing unit costs 3.2 yearly household incomes in Clay County.
Buying the median-priced home in Clay County costs roughly 15.0 years of rent at the median monthly rate. That is a moderate price-to-rent ratio, where buying and renting are often similarly cost-effective in Clay County. The price-to-rent ratio in Florida is about 15.6.
| Metric | Clay County | Florida Avg | US Average |
|---|---|---|---|
| Median Home Price | $279,761 | $311,338 | $248,835 |
| Median Household Income | $88,122 | $74,580 | $80,455 |
| Price-to-Income Ratio | 3.2 | 4.2 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in Clay County rose about 152.0%, while median household income rose about 37.7% between 2009 and 2025 — the home price grew faster than income.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | Clay County | Florida Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 71.3% | 57.7% | 58.5% |
| Rental Rate | 22.8% | 27.7% | 31.2% |
| Vacancy Rate | 5.9% | 14.6% | 10.2% |
| Median Tenure (years) | 14.0 | 13.0 | 15.0 |
| Median Year Moved In | 2012 | 2013 | 2011 |
Clay County has a homeownership rate of 71.3%, higher than the Florida average of 57.7%. Its housing vacancy rate is 5.9%, compared with 14.6% in Florida.
Housing Stock
| Metric | Clay County | Florida Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.68 people | 2.50 people | 2.53 people |
| Median Structure Built Year | 1995 | 1988 | 1978 |
| Median Number of Rooms | 6.2 | 5.2 | 5.5 |
The typical housing unit in Clay County was built around 1995. On average, 2.7 people live in a home with about 6.2 rooms, staying for about 14.0 years on average.
Clay County, FL Housing Compared With Nearby Counties
Clay County, FL is the 3rd largest of the 5 counties compared here, 225,443 residents against a local median of 191,049. The measure that sets Clay County, FL apart most is median rent: $1,551, 30% above the local median of $1,190.
The counties themselves spread $1,058 on median rent, so Clay County, FL sits at one end of an already wide local range rather than apart from it. Clay County, FL has the 2nd highest median rent of the 5 areas compared here.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| Clay County, FL | 225,443 | $279,761 #3/5 | $1,551 #2/5 | 75.7% #2/5 |
| Bradford County, FL | 27,885 | $280,178 | $863 | 73.3% |
| Putnam County, FL | 75,164 | $79,810 | $906 | 75.4% |
| Duval County, FL | 1,023,142 | $252,918 | $1,474 | 58.2% |
| St. Johns County, FL | 306,934 | $428,788 | $1,921 | 82.2% |
Frequently Asked Questions
Common questions about the housing market in Clay County, Florida.
What is the median home price in Clay County, Florida?
The median home price in Clay County, Florida is $279,761, lower than the Florida average of $311,338.
What is the average home price in Clay County, Florida?
The typical home price in Clay County, Florida, reported as the median sale price, is $279,761. The median is used instead of a mathematical average because it is not skewed by a small number of very expensive or very cheap homes, so it better reflects what a typical buyer pays.
What is the median rent in Clay County, Florida?
The median gross rent in Clay County, Florida is $1,551 per month, lower than the Florida average of $1,668.
What was the median gross rent in Clay County in 2020?
In 2020, the median gross rent in Clay County, Florida was $1,157 per month.
What is the price-to-rent ratio in Clay County, Florida?
The price-to-rent ratio in Clay County, Florida is about 15.0, meaning it would take roughly 15.0 years of rent payments at the median rent to equal the median home price. That is a moderate price-to-rent ratio, where buying and renting are often similarly cost-effective in Clay County.
Are home prices or rent rising faster in Clay County, Florida?
Both home prices and rent are rising in Clay County, up about 14.4% and 5.3% a year respectively. Home prices are changing faster.
What is the homeownership rate in Clay County, Florida?
71.3% of households in Clay County, Florida own their home, higher than the Florida average of 57.7%.
What is the vacancy rate in Clay County, Florida?
The housing vacancy rate in Clay County, Florida is 5.9%, lower than the Florida average of 14.6%.
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