This report is for single family homes in Clay County for the towns of Fleming Island, Orange Park, Green Cove Springs and Middleburg.
The buyers are probably taking notice that the median sale price in Clay County was $357,500 in September, down $7,500 from the same month last year. There were 82 fewer homes on the market, and supply slipped from 4.88 to 4.67 months. The pace of the market barely changed. Not what the media tells you though is it? Homes averaged 85 days on the market compared with 86 last year, and they sold for an average of 94.3% of their original asking price. I know, slightly on the boring side!
Want to know what these numbers look like in your price range? Countywide statistics tell us what’s happening overall, but your price range and the area you’re buying or selling in can look very different. Contact me and I’ll help you take a closer look at what’s happening in your part of the Clay County market. Click here: Contact
The latest mortgage rates can be found at Mortgage Daily News. So when you see them they are in real time and do not reflect the September 2026 timeline. Just to give you a rough idea on payment, if the median sales price is $357,500, with 10% down and a rate of 7.30%, you are looking at a payment around $2,373.40 per month. This payment is just principal and interest, without taxes and insurance. Conventional loan.
What This Means If You’re Buying Right Now
If you’ve been waiting for prices to ease, September’s lower median is a little encouraging. You’ll have fewer homes to choose from than you did a year ago, so focus on what’s available in your price range and the areas you like. If a home catches your eye and it’s been sitting for a while, check what similar homes have sold for and how the asking price has changed. That can help you decide whether to ask for a lower price or help with closing costs.
If you want to know what you can actually get in today’s market, I can break that down for you, just message me:
What This Means If You’re Selling
You have a little less competition than sellers did last September, but homes are still averaging nearly three months on the market. When you set your price, look at recent sales in your neighborhood and the homes buyers could tour instead of yours. If you’re getting showings and no offers, look at the feedback and see how your price and condition compare with those other listings. No showings? That could point to your price.
I can show you exactly where your home would fall in today’s market. Click:
Median Sales Price: Looking at sold homes it means that half the homes that sold were more than 357,500 and the other half were less than 357,500.
Month’s Inventory: Based on the number of actives and homes that have sold it would take 4.67 months to sell the active homes, if no other homes came on the market. How to determine what type of market we are experiencing:
Buyers’ Market: More than 7 months of Inventory
Balanced Market: From 5-7 months of Inventory
Sellers’ Market: Less than 5 months of inventory
Average Days on the Market: This is the average based on the time the house came on the market until is went under contract.
Original List Price to Sales Price: This is the percentage of what the home sold for compared to what it was originally listed for. Not what it was listed for at the time it went under contract.
I’m Pam Graham, a Northeast Florida real estate consultant, which includes Jacksonville, Clay & St John’s Counties. I break down the market in layman’s terms so you can make smart decisions—whether you’re buying, selling, or just keeping an eye on what’s happening.
Call/Text 904-910-3516
Email: pam@pamgraham.com
