Clay County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 2.7 times the county's median home value of $312,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $87,820 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $312,500 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 2.66× |
| Median household income | $87,820 |
| Median home value ÷ income | 3.6× |
| Population | 227,584 |
| Median property tax paid (owners) | $2,241 |
| Effective property tax rate (approx.) | 0.72% |
| Owner-occupied homes | 75.9% |
| Home value rank in Florida | 28 of 67 counties |
| Neighbor: Baker County, FL | limit $832,750; median home $256,700 |
| Neighbor: Bradford County, FL | limit $832,750; median home $212,500 |
| Neighbor: Duval County, FL | limit $832,750; median home $303,500 |
| Neighbor: Putnam County, FL | limit $832,750; median home $160,300 |
| Neighbor: St. Johns County, FL | limit $832,750; median home $489,200 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Clay County's median home value is 13% below the state median of $359,000 (rank 28 of 67). Among its 5 neighboring counties, St. Johns County has the highest median home value ($489,200) and Putnam County the lowest ($160,300); all share the same loan limit. Owners pay a median $2,241 a year in property tax, an effective rate of about 0.72% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Clatsop County, OR
- 2026 conforming loan limit: Clay County, AL
- 2026 conforming loan limit: Clay County, AR
- 2026 conforming loan limit: Clay County, GA
- 2026 conforming loan limit: Clay County, IA
- 2026 conforming loan limit: Clay County, IL
- 2026 conforming loan limit: Clay County, IN
- 2026 conforming loan limit: Clay County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.