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Jacksonville, FL

Cost of living in Clay County, FL

Part of the Jacksonville Metro Area

Estimated monthly cost
$3,418/mo
for a single person, all categories combined

Population 223,436 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,454 43%
Federal tax $560 16%
Healthcare $480 14%
Groceries $352 10%
Transport $320 9%
Energy $197 6%
Water $55 2%
State tax $0 0%

Rent in Clay County

Fair Market Rents by bedroom count.

Studio
$1,381
per month
1 bedroom
$1,454
per month
2 bedroom
$1,730
per month
3 bedroom
$2,163
per month
4 bedroom
$2,739
per month

Source: HUD FMR FY2025

Income and earnings in Clay County

Annual earnings figures from the Census ACS.

Household income
$86,094
per year
Individual earnings
$44,276
per year
Per capita
$39,166
per year

Source: ACS 2019-2023 5-Year.

Home values in Clay County

Average values reported by homeowners.

Average home value
$281,500
Annual property tax
$2,080

Source: ACS 2019-2023 5-Year

Energy costs in Clay County

Estimated monthly electricity and gas costs.

Electricity
$176
per month · 16¢/kWh
Natural gas
$21
per month
Annual total
$2,364
per year

Source: EIA

Healthcare in Clay County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Clay County

State and local tax rates for Florida.

No state income tax
Florida does not levy a personal income tax.
State sales tax
6.0%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Clay County

Commute patterns and estimated costs.

Average commute
32.5 min
Drive alone
73.9%
Public transit
0.1%
Work from home
14.5%

Source: ACS

Monthly cost estimates for Clay County

What it costs to live in Clay County each month.

Single person
$3,418
per month
  • Rent $1,454
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $560
  • State tax $0
Couple
$4,977
per month
  • Rent $1,730
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $1,079
  • State tax $0
Family
$7,568
per month
  • Rent $2,163
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,079
  • State tax $0

Frequently asked questions about Clay County

Common questions about cost of living, rent and salary.

What is the average rent in Clay County?

In Clay County, FL, a one-bedroom apartment averages $1,454 per month, a two-bedroom averages $1,730 per month, a three-bedroom averages $2,163 per month, according to HUD Fair Market Rent data.

What is the average salary in Clay County?

In Clay County, FL, the average household income is $86,094 per year and individual earnings for full-time workers average $44,276 per year, according to U.S. Census Bureau data.

What is the cost of living in Clay County?

The estimated cost of living in Clay County, FL is approximately $3,418 per month for a single person, $4,977 for a couple, $7,568 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Clay County?

The combined sales tax rate in Clay County, FL is 7.01%, which includes the Florida state rate of 6.00% plus an average local rate of 1.01%.

Is Clay County an affordable place to live?

Based on the data, a single person in Clay County, FL would need approximately $3,418 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $86,094 per year ($7,175 per month). Clay County is relatively affordable compared to the national average.

How much does healthcare cost in Clay County?

The ACA marketplace benchmark premium in Clay County, FL is approximately $480 per month for an individual. Approximately 8.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Clay County?

The average home value in Clay County, FL is $281,500, with average annual property taxes of $2,080, according to U.S. Census Bureau data.

How does Clay County compare to other areas?

You can compare Clay County, FL with any other US county using our comparison tool at /compare. Clay County is in the Jacksonville, FL metro area.

Other counties in Florida

Browse the full list of counties in Florida, ranked by cost of living.

See all counties in Florida

Compare Clay County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources