Duval County vs Clay County.
On buyer-friendly measures, Clay County edges it (9 of 10 categories), but the right pick depends on what you weigh: price, taxes, insurance or upside. The full breakdown is below. Every figure is live: home value, buyer-value score, cap rate, taxes, insurance and migration, side by side.
| Metric | Duval | Clay |
|---|---|---|
| Momentum buyer-value score | 57 | 69 |
| Typical home value | $295,863 | $336,765 |
| 5-year growth/yr | 4.7% | 5.3% |
| Price to income | 4.32x | 3.91x |
| Over/undervalued | -11.4% | -19.8% |
| Cap rate | 6.5% | 6.58% |
| Affordability burden | 26.2% | 23.7% |
| Median income | $68,447 | $86,094 |
| Citizens policies (insurance stress) | 2,001 | 606 |
| Avg Citizens premium | $1,315 | $1,189 |
| New homes permitted | 6,017 | 1,522 |
| Net household migration | +2,132 | +1,368 |
Highlighted cell = the more buyer-friendly value. Open the full Duval scorecard or Clay scorecard, or run the numbers in the True Cost calculator.
Common questions
Is Duval County or Clay County better to buy in?
On buyer-friendly measures, Clay County edges it (9 of 10 categories), but the right pick depends on what you weigh: price, taxes, insurance or upside. The full breakdown is below.
Where does this comparison data come from?
Home values and rent from Zillow, days on market and listings from Realtor.com, income and population from the U.S. Census, insurance from Citizens, permits from the Census Building Permits Survey, and migration from the IRS. Updated regularly.