Typical home $335,274 (-0.3% in a year), asking rent $1,805 (+2.0%). Jacksonville, FL metro.
to buy the typical home at today's mortgage rate — +$925 (+111%) since Jan 2020.
- 1 year
- Down $1,125 -0%
- $336,400$335,274 since Sep 2025
- 5 years
- Up $49,282 +17%
- $285,993$335,274 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Clay County$1,760
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Clay County, FL fell 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Clay County, FL rose 2.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in Clay County, FL runs $514/mo more than renting one. The gap peaked at $743 in Oct 2023.
That is $2,319 a month against $1,805 rent: a $1,760 mortgage payment, plus $200 property tax and $359 insurance & upkeep.
Owning vs renting — Clay County, FL
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,319
- Renting$1,805
- Mortgage only$1,760
Property tax · $200/mo 0.72% of value a year — the ACS 2020-2024 median bill over the median home value for Clay County, FL
Insurance & upkeep · $359/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Clay County, FL home values
Against the state and national figures. Mid-tier homes, smoothed and seasonally adjusted.
- Clay County$335,274
- Florida$375,361
- United States$366,157
Property taxes
The Census’s survey of what owners say they pay. Levy by levy, and a check of one home’s own bill, the site covers Ohio’s.
Got this county's reappraisal notice in hand? Check your property taxes — anonymous, and it helps close the two-year data gap.
The reassessment wedge (index, Dec 2017 = 100)
Home values move monthly; tax bills move when the assessor catches up. The space between the lines is the catch-up still to come — tax data is ACS, roughly two years behind, and that lag is the point. Where a roll segment appears, named by its release year, it bridges to the median bill on current assessment rolls (AssessorSearch Data Lab, a different instrument, shown only where it agrees with ACS levels).
- Home value171
- Median tax bill155
Zip codes in Clay County, FL
By share of each zip's area inside this county — a zip straddling a boundary appears here and in its neighbour, which is the truth of it.
| Zip activate to sort by Zip | City activate to sort by City | In county sorted descending, activate to sort ascending | Rent activate to sort by Rent | 1-yr Δ activate to sort by 1-yr Δ | Home value activate to sort by Home value | 1-yr Δ activate to sort by 1-yr Δ |
|---|---|---|---|---|---|---|
| 32003 | Fleming Island | 100% | $2,025 | +4.4% | $441,073 | +0.0% |
| 32065 | Orange Park | 100% | $1,877 | +2.0% | $325,750 | -0.8% |
| 32068 | Middleburg | 100% | $1,959 | +2.0% | $325,317 | -0.5% |
| 32073 | Orange Park | 100% | $1,415 | +1.0% | $299,115 | -0.4% |
| 32656 | Keystone Heights | 95% | $1,624 | — | $286,140 | +3.5% |
| 32043 | Green Cove Springs | 93% | $2,220 | +2.3% | $344,671 | -0.3% |
| 32234 | Jacksonville | 29% | $1,811 | — | $293,288 | +0.3% |
| 32091 | Starke | 17% | — | — | $236,400 | +4.9% |
| 32666 | Melrose | 14% | — | — | $310,627 | +2.3% |
| 32140 | Florahome | 10% | — | — | $210,952 | +1.5% |
| 32058 | Lawtey | 3% | — | — | $237,202 | +2.9% |