Clay County loan limits
Clay County has a higher FHA limit than most Florida counties because local home prices run higher. On a single-family home that's $580,750, enough for a price up to about $601,000 with 3.5% down.
| Home | FHA limit | Conforming limit |
|---|---|---|
| Single-family | $580,750 | $832,750 |
| Duplex | $743,450 | $1,066,250 |
| Triplex | $898,700 | $1,288,800 |
| Fourplex | $1,116,850 | $1,601,750 |
These are the limits for the 2026 limit year from HUD and the Federal Housing Finance Agency. They update on this page on their own when the agencies post new ones. VA has no loan limit for a veteran with full entitlement. Look up any county.
What Clay County buyers can reach by income
Housing programs measure income against the area's median. The rows below start at 60% of Clay County's median household income of $87,820 and run to 150%, each with a $400 car payment, a 650 credit score and $10,000 saved, at a 5.75% rate on a 30-year fixed loan, with property taxes at 0.74% of the price a year and $283 a month for homeowners insurance.
| Share of median | Income before taxes | Top price | With |
|---|---|---|---|
| 60% | $4,391 a month $52,692 a year | $262,000 | FHA |
| 80% | $5,855 a month $70,260 a year | $362,000 | FHA 100% financing |
| 100% | $7,318 a month $87,816 a year | $463,000 | FHA 100% financing |
| 120% | $8,782 a month $105,384 a year | $564,000 | FHA 100% financing |
| 150% | $10,978 a month $131,736 a year | $601,000 | FHA 100% financing |
Even the $10,978-a-month household stays about $1,000 under what Clay County's FHA limit allows with 3.5% down, so income sets the price here long before the loan limit does. Once the price passes what $10,000 covers as a 3.5% down payment, the table moves to FHA 100% financing and the price then depends on income alone.
Clay County by the Census numbers
The Census Bureau puts Clay County's median household income at $87,820 a year, the median owner-occupied home at $312,500 and the median rent at $1,551 a month. About 75.9% of homes in the county are owner-occupied. Here is what the QualRate calculator does with those numbers.
- A household at the median income, with a $400 car payment, a 650 score and $10,000 saved, reaches about $463,000 with FHA 100% financing.
- Buying at the median home value with FHA and 3.5% down takes about $5,130 a month in gross income with $400 in other debts, and about $10,938 in cash before any seller credit.
- The median rent of $1,551 a month would cover the full house payment on a home of about $186,000.
Three Clay County buyers, run through the calculator
- With nothing saved, a household at Clay County's median income ($7,318 a month) with $150 in card payments and a 650 score reaches about $463,000 with FHA 100% financing.
- A buyer earning $4,400 a month, 60% of the county median, reaches about $262,000 alone. With a parent on $1,500 a month of Social Security co-signing, that rises to about $381,000, because FHA grosses up the parent's non-taxable income by 15% before it counts.
- A veteran at the county median income with a $350 car payment and $0 saved reaches about $608,000 with VA.
The calculator above is set to Clay County. Answer its six questions to see where your own numbers land.
Buying a duplex to fourplex in Clay County
FHA finances 2 to 4 unit homes with the same 3.5% down when you live in one unit. In Clay County the FHA limit is $743,450 for a duplex and $1,116,850 for a fourplex, and 75% of the rent from the other units counts as income. The house hacking calculator adds that rent for you.
Down payment help in Clay County
FHA 100% financing is available across Clay County from a 580 credit score on a single-family home. It pairs a 96.5% FHA first mortgage with a down payment assistance second for the 3.5%. How FHA 100% financing works.
Most Florida counties fund local purchase assistance through the State Housing Initiatives Partnership (SHIP), and Florida Housing's Hometown Heroes program serves eligible Florida workers when it's funded. AAA Capital Funding can check what's open in Clay County for your purchase.
Buying across Clay County
Green Cove Springs is the county seat. The calculator works the same in Orange Park, Keystone Heights and Penney Farms as anywhere else in Clay County. With 218,245 people counted in the 2020 Census, Clay County is Florida's 25th most populous county of 67.
Clay County has no coastline, though homes near rivers and lakes can still sit in a flood zone. When you need flood insurance.
To check a Clay County home against your real numbers, call AAA Capital Funding at 888-601-8344.