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Florida Mortgage Brokerage

Clay County

Mortgage options in Clay County

Published market figures for Clay County, with the source and period for each, and the loan programs most relevant here.

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Market data

The Clay County market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in Clay County

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. Clay County has the highest VA share of the three Jacksonville MSA counties published here: 1,559 VA originations in 2025, or 25.6% of 6,081, against 19.0% in Nassau and 12.6% in St. Johns.

  2. It is also the least conventional of the three, at 52.2% against Nassau's 68.0% and St. Johns' 74.3%. Close to half of this county's reported mortgage volume is government-backed, which is the reverse of the pattern in Florida's higher-priced counties — Palm Beach County runs 84.8% conventional.

  3. VA is the only one of these programs where the funding fee can be removed entirely: a borrower receiving VA compensation for a service-connected disability is exempt from it. That is a decision made on the borrower's VA status, not on the loan, and it is worth settling early because it changes the amount financed rather than the rate.

  4. In an established subdivision with a homeowners association, the association's dues belong in the qualifying payment, and on an attached property the association's own finances and documents can decide whether the property is financeable at all. That is a gate the buyer does not control and cannot cure with a larger down payment.

Start here instead

Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.