Clay County · Residential desk · September 13, 2026
Clay County has four municipalities and a county index
Last updated:
These notes are about Clay County as a whole. Four places are incorporated. Fleming Island and Middleburg are unincorporated. The house-price number we cite is for the county.
What the cited tape move does to a $400,000 30-year shape
Principal and interest only, from 6.71% as of Aug 14 to 6.81% as of Aug 28. That is about $27 more per month before tax and insurance. Run the calculator. Not an approval.
The cities, and the places that are not cities
The 2020 Census lists four incorporated places in Clay County: Green Cove Springs city, Keystone Heights city, Orange Park town, and Penney Farms town.
Named unincorporated communities include Asbury Lake, Bellair-Meadowbrook Terrace, Fleming Island, Lakeside, Middleburg, and Oakleaf Plantation. We will not invent a sale price for Fleming Island or Middleburg.
What the county house-price number is
The Federal Housing Finance Agency publishes an annual house-price index for Clay County, FL. On FRED that series is ATNHPIUS12019A. The index was 297.43 in 2025, 296.67 in 2024, and 288.11 in 2023 (2000 equals 100; last updated March 31, 2026). That number is for the whole county. It is not a sale price for one city.
The last official daily 30-year rate on this site is 6.81% as of August 28. That is a national rate, not a local lock. Use the payment calculator only as a payment shape. The result is not an approval.
What Census vacancy can say
The Census Bureau’s 2024 American Community Survey 1-year estimates, released September 11, 2025, give Clay County, FL a homeowner vacancy rate of 0.9% and a rental vacancy rate of 1.5%. 5.4% of housing units were vacant, which includes seasonal and occasional-use homes. The 2023 1-year estimates were a 0.2% homeowner vacancy rate and a 1.6% rental vacancy rate. Those are housing-unit rates for the whole county. They are not an office or retail vacancy rate, and they are not a vacancy print for one city.
FAQ
Does this page publish a sale price for every city in Clay County, FL?
No. The house-price figure here is the FHFA annual county index via FRED ATNHPIUS12019A: 297.43 in 2025 versus 296.67 in 2024. We do not invent a median sale price or days on market for each town.
Is that county index a mortgage rate?
No. The last official daily 30-year cited on this site is 6.81% as of August 28, 2026. That is a national survey, not a personal APR.
Does this page publish an office or storefront vacancy rate for Clay County, FL?
No. The vacancy figures here are Census ACS 2024 1-year housing rates for the county: homeowner vacancy 0.9% and rental vacancy 1.5%. That table is about housing units, not commercial space.
Sources: FRED ATNHPIUS12019A (FHFA all-transactions Clay County, FL annual index 297.43 (2025), 296.67 (2024), 288.11 (2023); 2000=100; updated March 31, 2026); Census 2020 Florida place-by-county file (Incorporated places named for Clay County, FL); Mortgage News Daily daily rate index (30-year 6.81% as of August 28, 2026); Freddie Mac PMMS (weekly 30-year 6.66% as of August 27, 2026); Census ACS 2024 1-year DP04 (Clay County, FL homeowner vacancy 0.9%, rental vacancy 1.5%, vacant housing units 5.4%; released September 11, 2025); Census ACS 2023 1-year DP04 (Clay County, FL homeowner vacancy 0.2%, rental vacancy 1.6%, vacant housing units 4.2%; released September 12, 2024).