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City · 14,458 residents · Clay County, Florida

Asbury Lake , Florida

In Asbury Lake, a typical home is worth $329,600 and typical rent is $2,172 a month. Compared with all of Clay County, typical rent is 40% higher, typical household income is 15% higher, and the share of households that own their home is 13 points higher.

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  • Typical home value

    $329,600

    5% above the county

    8% below Florida

    • Asbury Lake
    • Clay
    • Florida

  • Typical rent

    $2,172a month

    40% above the county

    30% above Florida

    • Asbury Lake
    • Clay
    • Florida

  • Typical household income

    $100,949a year

    15% above the county

    35% above Florida

    • Asbury Lake
    • Clay
    • Florida

  • Households that own their home

    89%

    13 points above the county

    22 points above Florida

    • Asbury Lake
    • Clay
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$482,382
3% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Asbury Lake is in Clay County. The FHA loan limit ($580,750 for a one-unit home), the fair market rents and the help on this page are those of all of Clay County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Asbury Lake apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Middleburg, the typical rent is $1,093: 50% less than in Asbury Lake ($2,172).

  2. The typical rent in Asbury Lake is $2,172 a month, 40% more than in Clay County as a whole ($1,551).

  3. Nearby, in Middleburg, the typical home value is $254,600: 23% less than in Asbury Lake ($329,600).

  4. 89% of households in Asbury Lake own their home, against 76% in Clay County.

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Asbury Lake rose 3%; in Florida, it fell 0.9%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Asbury Lake

What homes there are in Asbury Lake, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 98% of homes here, against 74% in Clay County.

Year built

The typical home in Asbury Lake was built in 2004, 8 years after the typical one in Clay County.

Homes in Asbury Lake are bigger: 91% have 3 bedrooms or more; in Clay County, 81%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,770 a month

Clay County: $1,748 a month

Without a mortgage

$498 a month

Clay County: $513 a month

Owners with a mortgage

70%

Clay County: 65%

In Asbury Lake, 70% of owners have a mortgage; their typical cost is $1,770 a month, about the same as in Clay County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Asbury Lake gained value more slowly than in Clay County: 52% since 2015–2019, against 69%.

Rents in Asbury Lake rose faster than in Clay County: 52% since 2015–2019, against 35%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAsbury LakeClay CountyFloridaUnited States
Rental vacancy Unreliable estimate2.0%7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate1.7%3.3%3.4%
People per household 2.702.692.512.53
Drive alone 69%72%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 20%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Asbury Lake look like those in Clay County: 2.70 people on average.

In Asbury Lake, 20% of workers work from home, more than in Clay County (16%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Asbury Lake?

A typical home is tight for the typical income

We start with a typical home in Asbury Lake, worth $329,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Asbury Lake, which is $100,949 a year. For that payment to be 28% of income, a household would need to earn about $114,568 a year.

The calculator's FHA and conventional loan limits are those of all of Clay County.

Your numbers

Local data
$

Starts at the typical home value in Asbury Lake. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,536 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,673

at 7.18% · 30 years

Loan amount
$323,630
Total interest
$465,628
Paid off in
November 2056

Includes $5,566 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,355 a month

  • Tight

    $2,355 to $3,028 a month

    Your payment · 32%

  • Hard

    more than $3,028 a month

Compared with the typical household income in Asbury Lake ($100,949 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,673
Principal & interest$2,192
Property tax$198
Home insurance$137
FHA mortgage insurance (MIP)$146

You need at least $11,536 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Asbury Lake and Clay County

Asbury Lake is in Clay County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Asbury Lake's own numbers

Typical home value
$329,600
Typical monthly rent
$2,172
Typical yearly household income
$100,949
Households that own their home
89%
Effective property tax rate
0.72%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Clay County

FHA limit, one-unit home
$580,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,694
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
4.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Clay County.

Everything about Clay County

Buying

Buying a home in Asbury Lake

A typical home in Asbury Lake is worth $329,600: 5% above the county and 8% below Florida. With the typical household income in Asbury Lake ($100,949 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Asbury Lake 3.3 years
  • Clay 3.6 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clay County

According to FHFA’s house price index, home prices in Clay County rose 123% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Clay County.

Period County Florida U.S.
Last year (2025) +0.3% −0.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +123% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Asbury Lake next to Clay County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Asbury Lake $329,600
  • Clay $312,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Asbury Lake $2,172
  • Clay $1,551
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Asbury Lake $100,949
  • Clay $87,820
  • Florida $74,568
  • United States $80,734
See the full table
Asbury Lake next to Clay County and Florida
Measure Asbury Lake Clay County Florida U.S.
Typical home value $329,600 $312,500 $359,000 $332,700
Typical monthly rent $2,172 $1,551 $1,669 $1,413
Typical yearly household income $100,949 $87,820 $74,568 $80,734
Households that own their home 89% 76% 68% 65%
Typical yearly property tax $2,374 $2,241 $2,730 $3,119
Effective property tax rate 0.72% 0.72% 0.76% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clay County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Asbury Lake

For a typical $329,600 home in Asbury Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Asbury Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,673a month

    Least cash to close
    Down payment
    $11,536
    Cash to close
    $21,424
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $146

  • Conventional, 5% down $2,613a month

    Down payment
    $16,480
    Cash to close
    $26,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $157

  • Conventional, 20% down, no PMI $2,121a month

    Down payment
    $65,920
    Cash to close
    $75,808
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,426a month

    Down payment
    $49,440
    Cash to close
    $59,328
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Asbury Lake and for Clay County.

Property tax

Effective rate in Asbury Lake

0.72%of the home’s value each year

$2,374 a year for the typical owner in Asbury Lake.

  • Asbury Lake 0.72%
  • Clay 0.72%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Clay County

FEMA does not publish these numbers by city: they are for all of Clay County.

Homes in the high-risk zone
4.4%
3,451
Of those, with NFIP insurance
48%
County Florida U.S.
Homes in the high-risk zone 4.4% 13% 3.5%
Of those, with NFIP insurance 48% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Asbury Lake

Typical rent in Asbury Lake is $2,172 a month: 40% above the county.

HUD publishes a fair market rent for all of Clay County, by unit size. To pay the 2-bedroom one ($1,694 a month) without spending more than 30% of your income, you would need to earn $32.58 an hour working full time.

HUD fair market rent for all of Clay County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,401 $26.94 $56,040
1 bedroom $1,421 $27.33 $56,840
2 bedrooms $1,694 $32.58 $67,760
3 bedrooms $2,077 $39.94 $83,080
4 bedrooms $2,594 $49.88 $103,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Asbury Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Asbury Lake is in ZIP code 32043.

For 2 bedrooms it is $1,690: $4 less than the fair market rent for Clay County ($1,694).

  • 32043 $1,690$2,070

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Asbury Lake when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Asbury Lake

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Clay County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Asbury Lake

No down payment, repair or rent-help program on our list is for Asbury Lake or Clay County. The ones below are statewide in Florida: they work in Asbury Lake the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Asbury Lake

The HUD-approved agencies closest to the center of Asbury Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Credit.org - Jacksonville, FL Branch

    4720 Salisbury Rd, Jacksonville · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Wealth Watchers, Inc

    5310 Lenox Ave Ste 4, Jacksonville · 18 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (904) 265-4736

  • NSC (naca Counseling Subsidiary) - Jacksonville, FL

    3986 Boulevard Center Dr Ste 101, Jacksonville · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (904) 306-9272

All counseling agencies in Florida

Help in Spanish near Asbury Lake

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Asbury Lake

HUD lists no housing authority with an office in Clay County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Florida Source: HUD

Cities

Other cities in Clay County

These cities are also in Clay County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Clay County Housing in Florida

Nearby cities

The cities closest to Asbury Lake, with the typical home value.

Neighboring counties

If Clay County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Asbury Lake.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Asbury Lake

Short answers with the numbers for Asbury Lake and all of Clay County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Asbury Lake?

The typical home value in Asbury Lake is $329,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clay County it is $312,500.

How much does it cost to rent in Asbury Lake?

Typical rent in Asbury Lake is $2,172 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clay County is $1,694.

What is the FHA loan limit in Asbury Lake?

Asbury Lake uses the FHA limit for all of Clay County (2026): $580,750 for a one-unit home and $1,116,850 for a four-unit home.

How much property tax do owners pay in Asbury Lake?

The typical homeowner in Asbury Lake pays $2,374 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Clay County, the rate is 0.72%.

Where can I find free help to buy or rent in Asbury Lake?

We found no HUD-approved counseling agencies with an office in Clay County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).