Clay County
Housing Market
Median sale price $328,395, down 3.2% year over year, with homes going under contract in about 50 days, 1,168 homes on the market.
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Housing Market Analyst
Inventory sits at 3.9 months of supply — balanced by the 3-to-6-month balanced benchmark, and 30% of listed homes are already under contract. Prices are down 3.2% versus the prior year, but sellers are still collecting 95.8% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.
- Prices — more likely to stabilize than fall sharply. Supply remains below balanced levels even as prices soften; without a meaningful inventory build, further declines tend to be shallow.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 30% of inventory sits under contract.
- Mortgage sensitivity — at 3.9× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here gradually.
Derived from current Clay County data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
Where Clay County is hot — and where it isn't
Each dot is a community (246 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Clay County
The median sale price across Clay County currently stands at $328,395, down 3.2% from a year ago. Buyers are paying a median of $182 per square foot. The typical home goes under contract in about 50 days. Sellers are capturing 95.8% of their original asking price on average.
There are 1,168 active listings on the market, with 408 more already under contract. At the current sales pace that works out to 3.9 months of supply — a seller-leaning market by the standard six-month benchmark. 3,603 homes closed here over the trailing 12 months.
Zillow's home value index for Clay County stands at $335,274. About 30% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for Clay County is 52 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 27, 2026.
Clay County since 2012 — and where it’s heading
A median home here sold for $121,727 in 2012 and $340,765 over the last recorded year — 180% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (12,953 recorded sales)
Days on market by year
Home value trend · Clay County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Clay County (MLS)
Median price · daily recalculation
What’s driving Clay County
Top inbound states: CA, VA, NY, NC. Movers arriving report ~$65,179 average income. Source: IRS SOI county-to-county migration, 2022-2023
606 Citizens policies in force in Clay County — the state-backed insurer of last resort. Budget insurance into any Clay purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
1,240 single-family · 282 multi-family · 6.8 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in Clay County right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
How it stacks up against neighboring counties
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Clay County ← this page | $328K | 1,169 | 52 | |
| Duval County | $316K | 4,269 | 54 | Open → |
| Bradford County | $360K | 99 | 63 | Open → |
| St. Johns County | $479K | 1,965 | 56 | Open → |
| Baker County | $330K | 91 | 64 | Open → |
Neighborhoods on the move
| Park WestOrange Park | $400K | ▲ 17% |
| Sandridge HillsGreen Cove Springs | $368K | ▲ 7% |
| CorsairMiddleburg | $265K | ▲ 3% |
| Townhomes of Holly CoveOrange Park | $223K | ▲ 1% |
| Edenbrooke At Hyland Trails At Creekview TrailGreen Cove Springs | $357K | ▲ -3% |
| Highridge EstatesKeystone Heights | $115K | ▼ 30% |
| Whisper CreekMiddleburg | $333K | ▼ 20% |
| RidgewoodOrange Park | $215K | ▼ 16% |
| Waterview RidgeOrange Park | $230K | ▼ 13% |
| Russell OaksGreen Cove Springs | $260K | ▼ 9% |
| RookeryGreen Cove Springs | $328K | 43 |
| Jennings FarmMiddleburg | $427K | 28 |
| Eagle LandingOrange Park | $608K | 26 |
| Hyland TrailGreen Cove Springs | $400K | 25 |
| Wilford PreserveOrange Park | $429K | 25 |
| Russell OaksGreen Cove Springs | $260K | 8 days |
| Westwood ParkMiddleburg | $113K | 11 days |
| Pace IslandFleming Island | $515K | 13 days |
| Laurel Grove PlanOrange Park | $295K | 14 days |
| Park WestOrange Park | $400K | 14 days |
Cities in Clay County
ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Clay County right now?
The data says conditions currently favor neither side decisively in Clay County — the Momentum Score reads 52/100 with 3.9 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is Clay County becoming more affordable?
Yes, modestly — the median sale price in Clay County is $328,395, down 3.2% versus the prior year, while sellers still capture 95.8% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in Clay County?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Highridge Estates (-30%); Whisper Creek (-20%); Ridgewood (-16%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which Clay County neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Russell Oaks (8 days); Westwood Park (11 days); Pace Island (13 days) — homes there go under contract well ahead of the market-wide pace of 50 days.
Clay County housing market FAQ
How is the housing market in Clay County right now?
As of October 27, 2026, the Clay County housing market is roughly balanced: the median sale price is $328,395 (down 3.2% year over year), 1,168 homes are for sale against 3,603 sales in the last 12 months, which is 3.9 months of supply, and the typical home goes under contract in about 50 days.
How much is a house in Clay County?
The median home sold for $328,395 in Clay County over the last 12 months, about $182 per square foot; asking prices on the 1,168 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in Clay County?
By the numbers, sellers in Clay County are getting 95.8% of asking price and going under contract in about 50 days with 3.9 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the Clay County housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Clay County median sale prices are down 3.2% year over year, inventory stands at 3.9 months of supply, and 30% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in Clay County?
The median sale price in Clay County is currently $328,395, down 3.2% from a year ago, based on MLS sales data updated October 27, 2026.
Is Clay County a buyer's or seller's market right now?
The data currently is roughly balanced. Clay County scores 52 of 100 on the Momentum Score, with 3.9 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Clay County?
The typical home in Clay County goes under contract in about 50 days, per current MLS data.
How many homes are for sale in Clay County?
There are approximately 1,168 active listings in Clay County as of October 27, 2026.
Are home prices in Clay County rising or falling?
Median sale prices are down 3.2% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across Clay County. Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: October 27, 2026 at 9:37 AM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.
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