Clay County Homes for Sale
Clay County is the value play of Northeast Florida — more home for the money than St. Johns or the Duval beaches, with the well-regarded Clay County District Schools and an easy commute to Jacksonville's Southside and NAS Jacksonville.
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"Clay County is the value play of Northeast Florida — more home for the money than St. Johns or the Duval beaches, with the well-regarded Clay County District Schools and an easy commute to Jacksonville's Southside and NAS Jacksonville. Growth is concentrated in Oakleaf, Fleming Island, and fast-rising Green Cove Springs along the new First Coast Expressway, which is reshaping where the county builds. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Clay County neighborhood, which is what we price against live comps."
Jon Brooks, founder, Momentum Realty · Updated June 2026
The 60-Second Overview
Clay County snapshot (April 2026): typical home value $337K ($191/sqft), median rent $1,847, about 893 active listings, a median 54 days on market, and 23.1% of listings cutting price — a balanced market. Values are -1.4% over the past year and +5.3% over five years.
Clay County's economy leans on healthcare (Ascension St. Vincent's Clay County and nearby Orange Park Medical Center), retail and distribution along the US 17 and First Coast Expressway corridors, and a public sector led by the county school district and government. Just as important is what is across the river: a large share of Clay residents commute to Jacksonville's Southside and to Naval Air Station Jacksonville, so Duval's deep military, healthcare, and finance economy underwrites Clay housing demand.
Homes for Sale in Clay County
About 893 active listings across Clay County right now, median list price $359K at $191/sqft. Browse everything for sale, filter by price, area, and school zone, and ask us about any address.
Condos, townhomes, and starter homes — the lowest-cost way into Clay County and its school zones.
The heart of the market: established single-family homes and newer planned-community product.
Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.
Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.
Clay County Market Scorecard
Clay County is a balanced market: about 893 active listings, a median list price of $359,000, 23.1% of them cutting price, and homes going under contract in about 54 days.
Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.
Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.
Should You Buy, Sell, or Invest Here?
This is where Northeast Florida buyers priced out of St. Johns find space, newer homes, and good schools — with real builder leverage along the expressway corridor.
Steady demand from value-focused buyers, but new construction along the First Coast Expressway is competition, so price to recent comps in your specific area.
Better entry prices than St. Johns and solid rental demand from the Jacksonville commuter base make Clay a more balanced cash-flow-and-appreciation option.
Get a Cash Offer in Clay County
Need to sell fast, as-is, or skip the showings? Momentum Offers gets you a real cash offer on your Clay County home in 24 hours — and, because we're a licensed RealTrends-500 brokerage, we'll also show you what the same home would net on the open market, so you can choose with both numbers in front of you.
- Close in as little as 7–14 days
- No repairs, cleaning, or showings
- No financing fall-through
- Pick your move-out date
- Often nets more, even after commission
- Sells 1.25% above MLS average, 8 days faster
- Full marketing & negotiation
- We front the prep with our concierge
Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Clay County demand. Compare both at our Clay County cash-offer page.
Schools in Clay County
Clay County District Schools is well regarded and scores above the Florida average on math and reading proficiency, which is a core part of the county's value proposition — strong schools at prices below St. Johns.
- Fleming Island High School
- Oakleaf High School
- Ridgeview High School
- Fleming Island Elementary
- Robert M. Paterson Elementary
Zoning varies by address and shifts as the county adds schools along the expressway corridor — confirm the current assignment before you buy. See school-zone guides →
Taxes, Insurance & Cost to Own
A median-priced Clay County home costs about $2,392/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $86,094. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.
| Typical property-tax millage | 15.053 mills (~1.51% before exemptions) |
| Avg. homeowners insurance | $1,189/yr (Citizens county avg) |
| Homestead exemption | Up to $50,000 + 3% Save Our Homes cap |
| Est. all-in monthly (PITI) | $2,392/mo on a $337K home |
| Income to buy median home | $95,663/yr (est.) |
At about $1,189 a year on average, Clay is among the more reasonable insurance markets in Florida, though coastal and older homes still run well above the average. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.
New Construction in Clay County
Builders pulled 1,522 residential permits last year (-19.0% YoY) — 1,240 single-family and 282 multifamily, about 6.8 per 1,000 residents. Active master-planned communities include Oakleaf Plantation; Eagle Harbor (Fleming Island); Hyland Trail (Green Cove Springs); Granary Park; Rolling Hills; Two Creeks (Middleburg). Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →
Population & Migration
Clay County has about 223,436 residents. On a net domestic basis it gained roughly 3,611 people and a net +$122.70M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Domestic arrivals are led by CA, VA, NY, NC. Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.
12-Month Forecast
Expect Clay to stay the region's steady value market over the next 12 months. Demand from buyers priced out of St. Johns and Duval keeps a firm floor under prices, while heavy new construction along the First Coast Expressway keeps a lid on resale appreciation — a healthy, buyer-friendly balance.
Cities & Towns in Clay County
The cities and communities that make up Clay County — each its own market with its own prices, schools, and feel.
| Fleming Island | Established premium area on Doctors Lake; top Clay schools, Eagle Harbor golf. |
| Orange Park | Mature commercial and residential hub; convenient and relatively affordable. |
| Green Cove Springs | Historic riverfront county seat and the county's growth frontier along the expressway. |
| Oakleaf | Large master-planned area on the Duval line; newer family housing and new retail. |
| Middleburg | Rural-suburban, larger lots and value; quieter pace. |
Economy & Major Employers
Clay County's economy leans on healthcare (Ascension St. Vincent's Clay County and nearby Orange Park Medical Center), retail and distribution along the US 17 and First Coast Expressway corridors, and a public sector led by the county school district and government. Just as important is what is across the river: a large share of Clay residents commute to Jacksonville's Southside and to Naval Air Station Jacksonville, so Duval's deep military, healthcare, and finance economy underwrites Clay housing demand.
- Clay County District Schools
- Clay County government
- Ascension St. Vincent's Clay County
- Orange Park Medical Center (HCA)
- Walmart
- Publix
- First Coast Expressway corridor retail (Oakleaf)
Many Clay residents commute to Jacksonville's Southside and NAS Jacksonville, so Duval's economy is a major demand driver.
A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Clay County agent →
Most Popular Communities
The master-planned, golf, waterfront, luxury, and 55+ communities buyers ask about most in Clay County.
| Master-planned | Oakleaf Plantation, Eagle Harbor (Fleming Island), Hyland Trail (Green Cove Springs), Granary Park, Rolling Hills, Two Creeks (Middleburg) |
| Golf | Eagle Harbor Golf Club, Fleming Island Plantation |
| Waterfront | Pace Island (guard-gated, Doctors Lake), Fleming Island (Doctors Lake), Black Creek frontage |
| Luxury | Pace Island, Eagle Harbor, Doctors Lake estates |
| 55+ / active adult | Active-adult sections within Oakleaf and Fleming Island master plans |
Lifestyle in Clay County
Clay is built around water and value: Doctors Lake and Black Creek for boating, Jennings State Forest and Camp Blanding for the outdoors, and a chain of family-oriented master plans with their own pools, trails, and golf. The new First Coast Expressway has opened a limited-access route toward I-10 and the Jacksonville westside, pulling new retail — including a Walmart Supercenter at Oakleaf — and steering growth toward Green Cove Springs.
Risks to Weigh
Clay's risks are riverine flooding (Black Creek and the Doctors Lake/St. Johns shoreline can flood in major storms), rising insurance, and the growing pains of fast expressway-corridor development, including county budget pressure as commercial construction cools. Inland and away from the water, risk is comparatively low for Florida.
Every Neighborhood in Clay County
Honest, data-backed guides to 110 Clay County communities, grouped by city. Each has live listings, schools, HOA/CDD costs, and the real trade-offs.
Middleburg (26)
Atlantis Pointe · Azalea Ridge · Baxley Villas · Black Creek Park · Coppergate Estates · Corsair · Double Branch · Foxmeadow · Glen Laurel · GreyHawk · Jennings Farm · Kindlewood · Kindlewood Forest · Linda Lakes · Longbay Townhomes · Middleburg · Murray Farms · Pine Ridge Plantation · Ridaught Landing · The District at Oakleaf · The Landing at Brannan Field · The Ravines · Two Creeks · Villages of Fireside · Westfield Park · Whisper Creek
Green Cove Springs (22)
Anabelle Island · Bradley Creek · Cross Creek · Edenbrooke at Hyland Trail · Governors Pointe · Granary Park · Green Cove Springs · Holstein Crossing · Hyland Trail · Lake Asbury · Lakes at Bella Lago · Laurelton · Magnolia West · Rolling Hills · Rookery · Royal Pointe · Russell Retreat · Saratoga Springs · Silver Creek · The Preserve at Laurelton · Village Park · Willow Springs
Fleming Island (20)
Autumn Glen · Black Creek at Eagle Harbor · Country Walk at Eagle Harbor · Creighton Pointe · Cypress Glen · Eagle Harbor · Fleming Island · Harbor Island · Hibernia Plantation · Hollywood Forest · Island Forest · Lake Ridge North · Lake Ridge South · Lake Ridge Villas North · Margaret's Walk · Pace Island · River Hills Reserve · River Passage · Stone Creek at Eagle Harbor · The Preserve at Eagle Harbor
Orange Park (20)
Bear Run · Bellair-Meadowbrook Terrace · Cannons Point · Doctors Lake Estates · Eagle Landing at Oakleaf Plantation · Forest Hammock · Foxridge · Highland Mill · Holly Cove Townhomes · Holly Point · Jennings Point · Lakeside Estates · Loch Rane · Orange Park · Ridgecrest · Tanglewood Village · Towering Oaks · Waterford Ranch at Oakleaf · Waterview Ridge · Wilford Preserve
Keystone Heights (15)
Alan Lake Estates · Ari Woods · Bakersfield · Big Tree Lakes · Crystal Lake Homesites · Deer Springs · Gator Bone Lake Estates · Highridge Estates · Keystone Club Estates · Keystone Heights · Lake Brooklyn · Lake Geneva · Lakeview Highlands · Long Lake Estates · Silver Sands Estates
Doctors Inlet (1)
Green Cove Springs (Lake Asbury) (1)
Jacksonville (1)
Middleburg / Green Cove Springs (1)
Oakleaf (1)
Oakleaf area (1)
Starke (1)
Recent Developments in Clay County
Development, infrastructure, retail, and school activity affecting Clay County, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
- June 2026Development
Hyland Trail adds to more than 3,000 homes planned for Lake Asbury
Hyland Trail is among the developments set to bring more than 3,000 new homes, along with an amenity center, to the Lake Asbury area of Clay County, according to a June 16 report. The project adds to a cluster of large residential communities advancing in the growth corridor south of Jacksonville.
What it may mean for the marketA concentration of planned rooftops in Lake Asbury may expand housing supply in southern Clay County over the coming years and could raise demand for roads, schools and retail, much of which is still being planned.
Source: News4Jax - June 2026Civic
Clay County projects $44.5 million General Fund deficit amid slower commercial construction
At a June budget workshop, Clay County staff projected a General Fund deficit of about $44.5 million for the next fiscal year, citing lower revenue and a slowdown in new construction, with the property appraiser pointing to commercial activity as the main difference. Commissioners discussed reducing software costs and eliminating more than 30 frozen positions, with further workshops set through the summer. The projection does not include any effect from the statewide property tax reform measure on the November ballot.
What it may mean for the marketCounty budget pressure and the pending property tax vote are worth watching for buyers weighing long-term carrying costs in Clay County. Changes to millage or services could influence the total cost of ownership even where home prices hold steady.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway credited with steering growth across Clay County
The Jacksonville Daily Record published a feature on the 1.8 billion dollar First Coast Expressway, describing how the SR 23 toll road is channeling commercial and residential investment through Clay County. The piece ties recent retail activity along the corridor, including the new Walmart Supercenter at the Oakleaf Plantation Parkway interchange, to the road's expanding reach.
What it may mean for the marketContinued buildout along the expressway corridor could keep adding commuter routes and commercial services across the county, a pattern that historically supports sustained buyer interest in Clay's master-planned communities.
Source: Jacksonville Daily Record - May 2026Infrastructure
Countywide resurfacing underway on CR 220, Town Center Boulevard and US 17
Clay County's road and lane closure report for late May 2026 details nighttime milling and resurfacing on County Road 220 from US 17 to Arena Road, with crews then shifting to Town Center Boulevard between Eagle Harbor Parkway and East-West Parkway. The report also notes FDOT began a 5.3 million dollar US 17 resurfacing project from Doctors Inlet to Wells Road the week of May 25, alongside the county's ongoing CR 218 and CR 209 widening programs.
What it may mean for the marketCoordinated repaving and widening of the county's main connectors may improve corridor conditions over time, though residents could see short-term nighttime lane closures while the work runs.
Source: Clay County, FL Newsroom - April 2026Builder Activity
Build-to-rent buyer acquires 10 parcels in The District at Oakleaf Village
County records published by the Jacksonville Daily Record show Oakleaf BTR SPE LLC paid about 2.36 million dollars for 10 residential parcels on York Lane in The District at Oakleaf Village Phase 1, purchased from Meritage Homes of Florida. The transaction ranked among Northeast Florida's top commercial sales recorded March 30 through April 5, 2026.
What it may mean for the marketInstitutional build-to-rent activity in new Clay County phases may add rental inventory alongside for-sale product, a mix that could influence absorption pacing in nearby resale segments.
Source: Jacksonville Daily Record - March 2026Market
Fleming Island Medical Plaza sells for 24.12 million dollars
SG Property Services of Atlanta, buying through Fleming Island MOB Owner LLC, acquired the Fleming Island Medical Plaza for 24.12 million dollars, the Jacksonville Daily Record reported. The firm specializes in health care real estate development and acquisitions.
What it may mean for the marketInstitutional capital acquiring medical office space in the county may reflect confidence in long-term service demand along the US 17 corridor, which historically tracks with stable residential occupancy.
Source: Jacksonville Daily Record - February 2026Retail & Dining
Walmart Supercenter opens at First Coast Expressway and Oakleaf Plantation Parkway
Walmart cut the ribbon February 4 on a roughly 175,000 square foot Supercenter with an adjacent 4,365 square foot liquor store at 10000 Omni Drive, at the southwest corner of the First Coast Expressway and Oakleaf Plantation Parkway. The company said the store adds about 400 jobs to the region.
What it may mean for the marketA full-size Supercenter at a county interchange could shorten everyday shopping trips for northern Clay households, an amenity factor that historically supports demand in surrounding subdivisions.
Source: Jacksonville Daily Record - August 2025Infrastructure
First Coast Expressway segment to US 17 opens ahead of schedule
News4Jax reported the second Clay County phase of the First Coast Expressway, an 18 mile stretch from SR 21 near Middleburg to US 17 south of Green Cove Springs, opened in August 2025, well ahead of its original spring 2026 projection. The toll road gives Clay County drivers a new limited-access route toward I-10 and the Jacksonville westside.
What it may mean for the marketA completed expressway link to US 17 could redistribute commute patterns countywide, and new limited-access capacity has historically broadened the buyer pool for communities along the corridor.
Source: News4Jax
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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Oakleaf or Fleming Island?
More Northeast Florida Counties
Duval · St. Johns · Putnam · Baker · Nassau · Flagler · Volusia
Go deeper on Clay County: Clay property taxes · market scorecard (0–100) · cash offer & sell fast · search homes for sale
Statewide tools: all 67 county scorecards · rankings & compare · interactive market map · ZIP scorecards · property-tax calculator · homestead exemption · flood insurance
Your move in Clay County starts with a real person.
Buying, selling, or investing — tell us what you're working on and a Clay County specialist follows up within one business day with real comps, the off-market list, and representation that's yours.
Momentum agents serving Clay County
36 local Momentum specialists who work the Clay County market — reach any of them directly.
- Abraham Nivar
- Alana Petree
- Alina Penjiyeva
- Amber Hysler
- Andrew Nebesnyk
- Beatrice Bredeson
- Brandon Barsugli
- Brandon Locke
- Brittany Garner
- Brooke Hewitt
- Chad Petree
- Chris Moore
- Crawford Timbs
- Damon Hysler
- Daniel Judycki
- Debra Pappas
- Evelyn Vergara
- Francisco Rojas
- Jacqueline Samuels
- Jamie Wilkerson
- Jan Rice
- Jax Listing Sisters (Tammy Baranowski & Brooke Hewitt)
- Jeannine Koski
- Jennifer Pledger
- Julius Young
- Kady Andreoli
- Katina Cahill
- Kenyette Glenn
- Larry Koski
- Lisa Taylor
- Miles Maddox
- Rodney Staten
- Samanthia Young
- Tammy Baranowski
- Tim Sherman
- Tony Adkins