What $400K Buys in Clay County, FL
A $400K budget buys a very different house depending on which Clay County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 250 homes for sale in Clay County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 2,139 sq ft, built 2023, at $187/sq ft; 45% of them are new construction and the median has been on the market 52 days. The most house for the money is in Orange Park (2,212 sq ft median); the least in Keystone Heights (1,742 sq ft); the newest in Green Cove Springs (median build year 2026).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Green Cove Springs | 109 | 2,195 | 4 / 3 | 2026 | $177 | 68% | 52 |
| Middleburg | 60 | 2,000 | 4 / 2 | 2020 | $196 | 32% | 54 |
| Orange Park | 54 | 2,212 | 4 / 2.5 | 2004 | $185 | 24% | 46 |
| Fleming Island | 16 | 1,965 | 4 / 2 | 1996 | $201 | 25% | 65 |
| Keystone Heights | 8 | 1,742 | 3 / 2 | 1964 | $221 | 12% | 74 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 32043 Green Cove Springs | 110 | 2,195 | 2026 | $178 | 68% |
| 32068 Middleburg | 60 | 2,000 | 2020 | $196 | 32% |
| 32073 Orange Park | 34 | 2,101 | 1997 | $193 | 26% |
| 32065 Orange Park | 20 | 2,320 | 2005 | $167 | 20% |
| 32003 Fleming Island | 16 | 1,965 | 1996 | $201 | 25% |
| 32656 Keystone Heights | 8 | 1,742 | 1964 | $221 | 12% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Rolling Hills | Jacksonville | 16 | 1,980 | 2026 |
| Rookery | Green Cove Springs | 15 | 2,160 | 2026 |
| Wilford Preserve | Orange Park | 14 | 2,361 | 2026 |
| Amberly | Green Cove Springs | 11 | 2,500 | 2026 |
| Jennings Farm | Middleburg | 10 | 1,693 | 2025 |
| Hyland Trail | Green Cove Springs | 10 | 2,266 | 2026 |
| Sandridge Hills | Green Cove Springs | 8 | 2,049 | 2026 |
| Russell Retreat | Green Cove Springs | 7 | 3,223 | 2026 |
| Granary Park | Green Cove Springs | 5 | 2,303 | 2023 |
| Black Creek Park | Middleburg | 5 | 1,506 | 2001 |
| Double Branch | Middleburg | 4 | 1,980 | 2026 |
| Eagle Landing | Orange Park | 4 | 2,317 | 2022 |
| Villages Of Fireside | Middleburg | 4 | 1,921 | 1997 |
| Cross Creek | Jacksonville | 4 | 2,356 | 2022 |
| Fleming Island Plantation | Fleming Island | 4 | 1,934 | 2025 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of September 27, 2026; property mix at this price: Single-family 99%, Townhouse 0%, Condo 0%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Clay County: $300K, $500K, $750K. Back to homes for sale in Clay County, FL.