Clay County, FL

Comprehensive housing, income, and cost of living data for Clay County, Florida. Population: 219.7K.

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Median Home Price

$310.9K

Based on 8 cities

Median Household Income

$86.1K

Annual household income

Price-to-Income Ratio

3.6x

Moderately affordable

Salary Needed to Buy

$80.4K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax

$2,080

Average annual amount

Effective Tax Rate

0.67%

Property tax / home value

Monthly Housing Costs

Mortgage (P&I)$1,572

Property Tax$173

Insurance$130

Total Monthly$1,875

Historical Home Prices

2015

$167.5K

2016

$178.3K

+6.5%%

2017

$192.4K

+7.9%%

2018

$212.2K

+10.3%%

2019

$222.9K

+5.0%%

2020

$241.4K

+8.3%%

2021

$295.1K

+22.2%%

2022

$344.9K

+16.9%%

2023

$337.5K

-2.2%%

2024

$336.9K

-0.2%%

2025

$328.8K

-2.4%%

Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate

3.2%%

Below national average

Population Density

363

People per square mile

Homicide Rate

4.3

Low (per 100K residents)

Political Lean (2020)

Competitive

R+0

Racial Demographics

White

69.1%

Black

11.1%

Hispanic

11%

Asian

2.9%

Two or More Races

4.7%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature

70°F

Annual average

Sunny Days

231

Days per year

Annual Rainfall

52.1"

Inches per year

Natural Disaster Risk

High Risk

Score: 81/100

January Low

19°F

Average winter low

July High

84°F

Average summer high

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