Living in Fleming Island, Florida: The 2026 Data Guide
Fleming Island is in Clay County, Florida (ZIP codes 32003). · Homes for sale in Fleming Island · Clay County
As of 2026-09-06, the median home sold in Fleming Island, Florida over the last 12 months went for $460,000 (321 closings across 65 communities in Momentum’s MLS record), about $215 per square foot for a median 2,264-sq-ft home built around 2003. Homes currently listed have been on the market a median of 21 days, and with 183 active listings against that sales pace the city is carrying roughly 6.8 months of supply. Sellers have been getting about 98% of their original asking price. That median is 14% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Fleming Island
Three price points from 242 recent Fleming Island closings in our record, each showing what actually closed within 10% of that price:
- Around $322,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,676 sq ft, built around 1998 (27 sales).
- Around $460,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,282 sq ft, built around 2002 (55 sales).
- Around $545,000: the typical sale in this band was a 4-bed, 3-bath home of about 2,688 sq ft, built around 2002 (28 sales).
The real monthly cost of owning in Fleming Island
Take the median $460,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $2,377/month. Clay County’s typical total millage is 15.05 mills, so after the $50,000 homestead exemption the property tax is roughly $6,172/year ($514/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Clay County is about $1,189/year; private-market quotes vary with roof age and wind mitigation. 34% of current Fleming Island listings carry an HOA, with a median of $12/month where one applies. All in, budget on the order of $2,990/month to own the median Fleming Island home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Clay County property tax guide and our home insurance by county map.
Where people are buying: Fleming Island’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Eagle Harbor | 94 | $564,750 | 20 |
| Fleming Island | 35 | $393,550 | 40 |
| Pace Island | 31 | $460,000 | 21 |
| Lake Ridge Villas North | 16 | $210,000 | 30 |
| Autumn Glen | 13 | $225,000 | 26 |
| Fleming Oaks | 9 | $455,000 | 5 |
| Harbor Island | 9 | $360,000 | 40 |
| Margaret's Walk | 9 | $535,000 | 53 |
Fleming Island by ZIP code
Sales and medians by ZIP over the same 12 months: 32003 (191 sales, median $439,000), 32068 (17 sales, median $330,000), 32043 (17 sales, median $344,850), 32073 (11 sales, median $445,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 82% were single-family homes, 9% townhomes or villas, and 9% condos. New construction accounted for 2% of closings, led by Creighton Pointe. The housing stock skews mixed: 18% of homes sold were built in 2015 or later and 7% before 1980.
Getting around from Fleming Island
Measured from the center of Fleming Island’s recent sales: Downtown Jacksonville is about 18 miles; St. Augustine is about 27 miles; Jacksonville International Airport (JAX) is about 29 miles; Gainesville is about 47 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Clay County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Clay County’s typical millage of 15.05; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Clay County average of $1,189/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Fleming Island: the case for and against
What works in Fleming Island’s favor
- homes move quickly (median 21 days listed), so well-priced homes get competition
- insurance is comparatively manageable here (Citizens average $1,189/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 14% above the statewide median in our coverage
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Fleming Island relocation toolkit
- Homes for sale in Fleming Island right now
- Cost of living in Fleming Island
- Best neighborhoods in Fleming Island
- New construction in Fleming Island
- Find an agent in Fleming Island
- Search every Fleming Island community
Common questions about moving to Fleming Island
How much does a house cost in Fleming Island, FL?
What does it cost per month to own a home in Fleming Island?
What are property taxes like in Fleming Island?
Is Fleming Island a buyer's or seller's market right now?
Is there a lot of new construction in Fleming Island?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Fleming Island communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Clay County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.