In Bellair-Meadowbrook Terrace, a typical home is worth $224,900 and typical rent is $1,457 a month. Compared with all of Clay County, typical household income is 32% lower, the typical home value is 28% lower, and the share of households that own their home is 31 points lower.
Bellair-Meadowbrook Terrace 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
What this place has that others do not, from public data, most unusual first.
1
45% of households in Bellair-Meadowbrook Terrace own their home, against 76% in Clay County.
2
The typical household income in Bellair-Meadowbrook Terrace is $59,388,32% less than in Clay County as a whole ($87,820).
3
The typical home in Bellair-Meadowbrook Terrace is worth $224,900,28% less than in Clay County as a whole ($312,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bellair-Meadowbrook Terrace
What homes there are in Bellair-Meadowbrook Terrace, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bellair-Meadowbrook Terrace
Clay County
Florida
United States
Kind of home: Bellair-Meadowbrook Terrace and its comparisons
Measure
Bellair-Meadowbrook Terrace
Clay County
Florida
United States
Detached house
54%
74%
55%
61%
Attached house
Unreliable estimate
4%
7%
6%
Building of 2 to 4
14%
3%
6%
8%
Apartments (5 or more)
30%
8%
25%
19%
Mobile home
Unreliable estimate
11%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Bellair-Meadowbrook Terrace, 5 in 10 homes are single-family detached houses; in Clay County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Bellair-Meadowbrook Terrace
Clay County
Florida
United States
Year built: Bellair-Meadowbrook Terrace and its comparisons
Measure
Bellair-Meadowbrook Terrace
Clay County
Florida
United States
Before 1960
Unreliable estimate
4%
10%
26%
1960–1979
53%
18%
24%
24%
1980–1999
32%
36%
34%
25%
2000–2009
Unreliable estimate
26%
18%
14%
2010 or later
Unreliable estimate
16%
14%
11%
The typical home in Bellair-Meadowbrook Terrace was built in 1978, 18 years before the typical one in Clay County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K24%
$200K–$300K54%
$300K–$500K14%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bellair-Meadowbrook Terrace and its comparisons
Measure
Bellair-Meadowbrook Terrace
Under $100K
Unreliable estimate
$100K–$200K
24%
$200K–$300K
54%
$300K–$500K
14%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49949%
$1,500–$1,99935%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bellair-Meadowbrook Terrace and its comparisons
Measure
Bellair-Meadowbrook Terrace
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
49%
$1,500–$1,999
35%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,272 a month
Clay County: $1,748 a month
Without a mortgage
$400 a month
Clay County: $513 a month
Owners with a mortgage
57%
Clay County: 65%
In Bellair-Meadowbrook Terrace, 57% of owners have a mortgage, and their typical cost is $1,272 a month, against $1,748 in Clay County. Without one it drops to $400.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bellair-Meadowbrook Terrace+82%
Clay County+69%
Florida+67%
United States+53%
Typical rent
Bellair-Meadowbrook Terrace+34%
Clay County+35%
Florida+42%
United States+33%
Typical household income
Bellair-Meadowbrook Terrace+26%
Clay County+34%
Florida+34%
United States+29%
Change since 2015–2019: Bellair-Meadowbrook Terrace and its comparisons
Measure
Bellair-Meadowbrook Terrace
Clay County
Florida
United States
Typical home value
+82%
+69%
+67%
+53%
Typical rent
+34%
+35%
+42%
+33%
Typical household income
+26%
+34%
+34%
+29%
Since 2015–2019, homes in Bellair-Meadowbrook Terrace gained value faster than in Clay County: 82% against 69%.
Much as in Clay County, the typical rent in Bellair-Meadowbrook Terrace rose 34% since 2015–2019.
Housing prices ran ahead of income in Bellair-Meadowbrook Terrace: typical income rose 26%, against +82% for home values and +34% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bellair-Meadowbrook Terrace and its comparisons
Measure
Bellair-Meadowbrook Terrace
Clay County
Florida
United States
Rental vacancy
Unreliable estimate
2.0%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.4%
0.9%
More than one person per room
Unreliable estimate
1.7%
3.3%
3.4%
People per household
2.33
2.69
2.51
2.53
Drive alone
80%
72%
70%
69%
Carpool
7%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
16%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.33 on average, against 2.69 in Clay County.
In Bellair-Meadowbrook Terrace, 80% of workers drive alone to work; in Clay County, 72%.
Do the math
What would you pay each month for a home in Bellair-Meadowbrook Terrace?
A typical home costs more than the typical income allows
We start with a typical home in Bellair-Meadowbrook Terrace, worth $224,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Bellair-Meadowbrook Terrace, which is $59,388 a year. For that payment to be 28% of income, a household would need to earn about $76,729 a year.
The calculator's FHA and conventional loan limits are those of all of Clay County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bellair-Meadowbrook Terrace. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,872 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,790
at 7.18% · 30 years
Loan amount
$220,826
Total interest
$317,717
Paid off in
November 2056
Includes $3,798 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,386 a month
Tight
$1,386 to $1,782 a month
Hard
more than $1,782 a month
Your payment · 36%
Compared with the typical household income in Bellair-Meadowbrook Terrace ($59,388 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,496
Property tax
$101
Home insurance
$94
FHA mortgage insurance (MIP)
$99
You need at least $7,872 for the down payment, plus closing costs.
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.
Total monthly payment $1,790; principal and interest $1,496.
The city and its county
Bellair-Meadowbrook Terrace and Clay County
Bellair-Meadowbrook Terrace 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).
Map of Clay County, Florida, with Bellair-Meadowbrook Terrace marked. Around it, the neighboring counties.
Clay County
Bellair-Meadowbrook Terrace's own numbers
Typical home value
$224,900
Typical monthly rent
$1,457
Typical yearly household income
$59,388
Households that own their home
45%
Effective property tax rate
0.54%
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.
A typical home in Bellair-Meadowbrook Terrace is worth $224,900: 28% below the county and 37% below Florida. With the typical household income in Bellair-Meadowbrook Terrace ($59,388 a year), a typical home costs 3.8 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.
Bellair-Meadowbrook Terrace3.8 years
Clay3.6 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Clay County, 2016 to 2025
2016: +6.9% +6.9% 2016
2017: +9.4% +9.4% 2017
2018: +9.4% +9.4% 2018
2019: +7.7% +7.7% 2019
2020: +3.9% +3.9% 2020
2021: +16.1% +16.1% 2021
2022: +22.6% +22.6% 2022
2023: +6.0% +6.0% 2023
2024: +3.0% +3.0% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in Clay County, Florida and the United States
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
Bellair-Meadowbrook Terrace 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
Bellair-Meadowbrook Terrace$224,900
Clay$312,500
Florida$359,000
United States$332,700
Typical monthly rent
Bellair-Meadowbrook Terrace$1,457
Clay$1,551
Florida$1,669
United States$1,413
Typical yearly household income
Bellair-Meadowbrook Terrace$59,388
Clay$87,820
Florida$74,568
United States$80,734
See the full table
Bellair-Meadowbrook Terrace next to Clay County and Florida
Measure
Bellair-Meadowbrook Terrace
Clay County
Florida
U.S.
Typical home value
$224,900 ▼28% below the county
$312,500
$359,000
$332,700
Typical monthly rent
$1,457 ▼6% below the county
$1,551
$1,669
$1,413
Typical yearly household income
$59,388 ▼32% below the county
$87,820
$74,568
$80,734
Households that own their home
45% ▼31 points below the county
76%
68%
65%
Typical yearly property tax
$1,219 ▼46% below the county
$2,241
$2,730
$3,119
Effective property tax rate
0.54% ▼0.18 points below the county
0.72%
0.76%
0.94%
Renters with high rent for their income
62% ▲12 points above the county
50%
60%
51%
“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 Bellair-Meadowbrook Terrace
For a typical $224,900 home in Bellair-Meadowbrook Terrace, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bellair-Meadowbrook Terrace's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,790a month
Least cash to close
Down payment
$7,872
Cash to close
$14,619
Rate
7.18%
Mortgage insurance
FHA MIP · $99
Conventional, 5% down$1,749a month
Down payment
$11,245
Cash to close
$17,992
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,414a month
Down payment
$44,980
Cash to close
$51,727
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,622a month
Down payment
$33,735
Cash to close
$40,482
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bellair-Meadowbrook Terrace
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,790
$7,872
$220,826
7.18%
FHA MIP · $99
$14,619
580
Conventional, 5% down
$1,749
$11,245
$213,655
7.18%
PMI · $107
$17,992
620*
Conventional, 20% down, no PMI
$1,414
$44,980
$179,920
7.18%
None
$51,727
620*
ITIN, 15% down (example)
$1,622
$33,735
$191,165
8.18%
None
$40,482
Set by the lender
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.
Typical rent in Bellair-Meadowbrook Terrace is $1,457 a month: 6% below the county. In Bellair-Meadowbrook Terrace, 62% of renter households pay 30% or more of their income in rent.
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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clay County (Fiscal year 2027)
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 Bellair-Meadowbrook Terrace
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bellair-Meadowbrook Terrace is in ZIP code 32073.
For 2 bedrooms it is $1,650: $44 less than the fair market rent for Clay County ($1,694).
Fair market rent by ZIP code and size in Bellair-Meadowbrook Terrace, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32073
$1,360
$1,380
$1,650
$2,020
$2,530
ZIP code2 bd3 bd
32073 $1,650$2,020
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bellair-Meadowbrook Terrace 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
Help to buy or rent in Bellair-Meadowbrook Terrace
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.
Assistance programs in Bellair-Meadowbrook Terrace
No down payment, repair or rent-help program on our list is for Bellair-Meadowbrook Terrace or Clay County. The ones below are statewide in Florida: they work in Bellair-Meadowbrook Terrace the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
Housing counselors near Bellair-Meadowbrook Terrace
The HUD-approved agencies closest to the center of Bellair-Meadowbrook Terrace, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Bellair-Meadowbrook Terrace or Clay County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Housing questions about Bellair-Meadowbrook Terrace
Short answers with the numbers for Bellair-Meadowbrook Terrace 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 Bellair-Meadowbrook Terrace?
The typical home value in Bellair-Meadowbrook Terrace is $224,900, 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 Bellair-Meadowbrook Terrace?
Typical rent in Bellair-Meadowbrook Terrace is $1,457 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 Bellair-Meadowbrook Terrace?
Bellair-Meadowbrook Terrace 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 Bellair-Meadowbrook Terrace?
The typical homeowner in Bellair-Meadowbrook Terrace pays $1,219 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Clay County, the rate is 0.72%.
Where can I find free help to buy or rent in Bellair-Meadowbrook Terrace?
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.
