Clay County real estate, your questions answered.
Short answer: as of 2026-07-06, Clay County scores 74/100 (strong buyer value) on our buyer-value scale, the typical home is worth $336,835, the market looks about 20% undervalued, and average insurance runs about $1,189 a year.
Answers update from live data (2026-07-06). For the full numbers, see the Clay County housing scorecard.
| Momentum Market Score | 74/100 (strong buyer value) |
|---|---|
| Typical home value | $336,835 |
| 1-year price change | -1.2% |
| Overvaluation vs local income | about 20% undervalued |
| Cap rate (rent yield) | 6.64% |
| Avg insurance / year | $1,189 |
Is now a good time to buy a house in Clay County?
As of 2026-07-06, our Momentum Market Score for Clay County is 74 out of 100, which reads strong buyer value, meaning the market is priced low against incomes with real negotiating room. Prices are falling (-1.2% over the past year) and the area looks about 20% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Clay County scorecard for the breakdown.
Is Clay County a buyer's or seller's market?
Clay County currently reads strong buyer value on our 0 to 100 score (74/100), so it is priced low against incomes with real negotiating room. The score blends home value versus local incomes, price cuts, inventory trend, affordability and rent yield.
Are home prices going up or down in Clay County?
The typical home in Clay County is worth $336,835 (Zillow, 2026-07-06). Prices are falling over the last year (-1.2%) and have moved about 4.9% a year over five years.
Is Clay County housing overvalued?
On price versus the area's own long-run relationship with local income, Clay County looks about 20% undervalued, with a price-to-income ratio of 3.91x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Clay County?
The typical Clay County home is worth about $336,835 as of 2026-07-06, against a county median household income near $86,094.
How much is homeowners insurance in Clay County?
The average Citizens Property Insurance premium in Clay County is about $1,189 a year. Citizens is Florida's insurer of last resort, so that is a realistic floor; private quotes vary by roof age, elevation and flood zone. In Florida, insurance is now one of the largest line items in a housing budget.
Is Clay County a good place to invest in rental property?
The gross rent yield (cap-rate proxy) in Clay County is about 6.64%, with typical rent near $1,863 a month on a $336,835 home. Run the full numbers, including taxes and insurance, in our Florida investment property calculator.
Are people moving to or from Clay County?
In the latest IRS migration data, Clay County is net gaining about 1,368 households a year, drawing the most out-of-state arrivals from CA and VA.
Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED, IRS migration, Citizens Property Insurance. Scores by Momentum Realty. Informational only, not investment, legal or insurance advice. Clay County scorecard · all county Q&A · all scorecards.