Clay County, Florida — 2026 Loan Limits & Market Data

Clay County is a mid-sized county in Florida with a population of approximately 236,760 residents spread across 601 square miles. The county is a suburban area with a moderate population density of 394 residents per square mile, which shapes both the local housing market and the types of properties available to buyers.

For 2026, the conforming loan limit in Clay County is $832,750 for a single-family home, which is the national baseline. FHA borrowers can access loans up to $580,750 for a one-unit property. These limits determine the maximum loan amount available through conventional and government-backed financing before buyers would need to seek jumbo loans, which carry different qualification requirements and typically require higher down payments.

Clay County's suburban and semi-rural character means buyers can find a range of property types, from newer subdivisions to established neighborhoods and larger-lot properties. The county includes 12 ZIP codes with varying market conditions. Reviewing specific ZIP codes can reveal differences in median prices, available inventory, and how quickly homes are selling across different parts of the county.