Northeast Florida

Clay County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Green Cove Springs, Fleming Island, Middleburg and across Clay County.

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Clay County snapshot

Median home price

$345,000

Population

230,000

FHA loan limit (1-unit)

$524,225

County seat

Green Cove Springs

Clay County sits in Northeast Florida, anchored by Green Cove Springs and including Fleming Island and Middleburg. The median home price here runs around $345,000, and most buyers qualify for FHA, Conventional 97%, or Florida's Hometown Heroes assistance program.

Today's example payments

Monthly payment on a $345,000 Clay County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$2,717

Rate (mid): 6.520%
Down payment: $17,250 (5.0%)
Loan amount: $327,750

5% down · PMI applies

FHA

Monthly payment

$2,668

Rate (mid): 6.145%
Down payment: $12,075 (3.5%)
Loan amount: $332,925

3.5% down · MIP included

VA

Monthly payment

$2,714

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $345,000

0% down · no PMI

Hometown Heroes

Monthly payment

$2,770

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $345,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.