Clay County
Housing Market
Median sale price $338,000, down 1.7% year over year, with homes going under contract in about 46 days, 1,132 homes on the market.
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Housing Market Analyst
Inventory sits at 3.5 months of supply — balanced by the 3-to-6-month balanced benchmark, and 32% of listed homes are already under contract. Prices are down 1.7% versus the prior year, but sellers are still collecting 96.2% 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 sellers.
- 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 — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — sellers hold the leverage while 32% 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 (217 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 $338,000, down 1.7% from a year ago. Buyers are paying a median of $177 per square foot. The typical home goes under contract in about 46 days. Sellers are capturing 96.2% of their original asking price on average.
There are 1,132 active listings on the market, with 464 more already under contract. At the current sales pace that works out to 3.5 months of supply — a seller-leaning market by the standard six-month benchmark. 2,044 homes closed here over the trailing 12 months.
Zillow's home value index for Clay County stands at $339,078. About 29% 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 62 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
Clay County since 2012 — and where it’s heading
A median home here sold for $144,269 in 2012 and $354,214 over the last recorded year — 146% appreciation across 14 years of recorded sales. Cash buyers took 13% of recent sales, down from a 31% peak.
Median sale price · 2012–2026 (49,106 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Clay County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Clay County (MLS)
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.
Sellers: price to the last 60 days of comps, not the peak — well-prepared listings are still commanding strong terms. Buyers: get underwritten now so you can move when the right house hits.
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 | $338K | 1,132 | 62 | |
| Duval County | $312K | 3,982 | 61 | Open → |
| Bradford County | $249K | 88 | 73 | Open → |
| St. Johns County | $500K | 1,949 | 63 | Open → |
| Baker County | $290K | 80 | 55 | Open → |
Neighborhoods on the move
| **verifying Subd**Middleburg | $450K | ▲ 41% |
| Palmer & FerrisGreen Cove Springs | $232K | ▲ 38% |
| Clay HillMiddleburg | $282K | ▲ 33% |
| Lakeview HighlandsKeystone Heights | $347K | ▲ 22% |
| Park WestOrange Park | $400K | ▲ 17% |
| RidgewoodOrange Park | $175K | ▼ 40% |
| FoxwoodOrange Park | $320K | ▼ 26% |
| Duck PondMiddleburg | $202K | ▼ 20% |
| Plantation VillageOrange Park | $188K | ▼ 18% |
| Pace IslandFleming Island | $458K | ▼ 15% |
| Jennings FarmMiddleburg | $501K | 34 |
| Hyland TrailGreen Cove Springs | $404K | 30 |
| Wilford PreserveOrange Park | $428K | 24 |
| MeadowbrookOrange Park | $244K | 22 |
| Eagle HarborFleming Island | $560K | 20 |
| Ridaught LandingMiddleburg | $298K | 8 days |
| Russell OaksGreen Cove Springs | $262K | 8 days |
| Spencers CrossingOrange Park | $262K | 8 days |
| FlemingbrookFleming Island | $417K | 12 days |
| Townhomes of Holly CoveOrange Park | $222K | 16 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 62/100 with 3.5 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 $338,000, down 1.7% versus the prior year, while sellers still capture 96.2% 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 Ridgewood (-40%); Foxwood (-26%); Duck Pond (-20%). 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 Ridaught Landing (8 days); Russell Oaks (8 days); Spencers Crossing (8 days) — homes there go under contract well ahead of the market-wide pace of 46 days.
Clay County housing market FAQ
What is the median home price in Clay County?
The median sale price in Clay County is currently $338,000, down 1.7% from a year ago, based on MLS sales data updated August 6, 2026.
Is Clay County a buyer's or seller's market right now?
The data currently favors sellers. Clay County scores 62 of 100 on the Momentum Score, with 3.5 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 46 days, per current MLS data.
How many homes are for sale in Clay County?
There are approximately 1,132 active listings in Clay County as of August 6, 2026.
Are home prices in Clay County rising or falling?
Median sale prices are down 1.7% 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: August 6, 2026 at 7:18 PM 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.