Florida county guide
Clay County real estate: closing costs, taxes and market data
What it costs to buy and sell a home in Clay County, Florida, with the state's own formulas and the latest market figures.
Market snapshot
Clay County is a suburban county in the Jacksonville metro area, with about 236,760 residents according to the 2024 American Community Survey. In September 2026, 221 homes sold in the county, 6% fewer than in September 2025. The median sale price was $355,000, down 2.7% from a year earlier and 4.1% from August, according to the Northeast Florida Association of Realtors.
Main cities: Green Cove Springs, Orange Park, Keystone Heights, Penney Farms, Fleming Island, Middleburg, Oakleaf Plantation
Closing costs at common prices
| Sale price | Deed doc stamps | Owner's title policy | Note doc stamps + intangible tax (80% loan) |
|---|---|---|---|
| $250,000 | $1,750 | $1,325 | $1,100 |
| $355,000 | $2,485 | $1,850 | $1,562 |
| $500,000 | $3,500 | $2,575 | $2,200 |
| $750,000 | $5,250 | $3,825 | $3,300 |
Deed doc stamps are $0.70 per $100 of the price and are normally paid by the seller. In Clay County the seller customarily pays the owner's title policy, at Florida's promulgated rate. Buyers with a loan also pay $0.35 per $100 on the note and 0.2% intangible tax. Property tax uses the county's typical millage less the $50,000 homestead exemption, so it's an estimate; check the property appraiser for any parcel.
Flood risk
Some properties along the St. Johns River, Doctors Lake and Black Creek fall in FEMA flood zones, so buyers should check the FEMA flood map and get a flood insurance quote before closing.
Local offices
Questions agents and buyers ask
- How much are doc stamps in Clay County?
- On a $355,000 sale, deed doc stamps are about $2,485 ($0.70 per $100 of the price). The seller normally pays them.
- Who pays for title insurance in Clay County?
- By custom the seller pays for the owner's title policy. At $355,000 it's about $1,850 at Florida's promulgated rate; the contract can say otherwise.
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Sources
- Northeast Florida housing sales slide again in September (Clay Today, NEFAR data)
- Clay County, FL - Profile data - Census Reporter (ACS 2024 1-year)
- Clay County, Florida - Wikipedia
Market figures researched November 3, 2026.