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City · 29,766 residents · Clay County, Florida

Fleming Island , Florida

In Fleming Island, a typical home is worth $422,400 and typical rent is $1,935 a month. Compared with all of Clay County, the typical home value is 35% higher, typical household income is 33% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $422,400

    35% above the county

    18% above Florida

    • Fleming Island
    • Clay
    • Florida

  • Typical rent

    $1,935a month

    25% above the county

    16% above Florida

    • Fleming Island
    • Clay
    • Florida

  • Typical household income

    $116,611a year

    33% above the county

    56% above Florida

    • Fleming Island
    • Clay
    • Florida

  • Households that own their home

    85%

    9 points above the county

    18 points above Florida

    • Fleming Island
    • Clay
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$442,384
about the same as 12 months ago
Typical rent
$2,025 a month
4.4% more than 12 months ago

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

Fleming Island 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 Fleming Island apart

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

  1. Nearby, in Bellair-Meadowbrook Terrace, the typical home value is $224,900: 47% less than in Fleming Island ($422,400).

  2. The typical home in Fleming Island is worth $422,400, 35% more than in Clay County as a whole ($312,500).

  3. The typical household income in Fleming Island is $116,611, 33% more than in Clay County as a whole ($87,820).

  4. Nearby, in Orange Park, the typical rent is $1,429: 26% less than in Fleming Island ($1,935).

  5. The typical rent in Fleming Island is $1,935 a month, 25% more than in Clay County as a whole ($1,551).

  6. 85% of households in Fleming Island own their home, against 76% in Clay County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fleming Island

What homes there are in Fleming Island, 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 78% of homes here, against 74% in Clay County.

Year built

Homes in Fleming Island are newer: the typical year built is 2001; in Clay County, 1996.

There is more room for a big family here: 87% of homes have 3 bedrooms or more, against 81% in Clay County.

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

$2,239 a month

Clay County: $1,748 a month

Without a mortgage

$711 a month

Clay County: $513 a month

Owners with a mortgage

63%

Clay County: 65%

The typical cost for an owner with a mortgage in Fleming Island is $2,239 a month, more than in Clay County ($1,748); without one, $711.

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

From 2015–2019 to 2020–2024, the typical home value in Fleming Island rose 57%; in Clay County, it rose 69%.

Since 2015–2019, the typical rent in Fleming Island rose 30%, less than in Clay County (35%).

The typical household income in Fleming Island rose 24%: less than home values (+57%) and rent (+30%).

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

MeasureFleming IslandClay 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 2.572.692.512.53
Drive alone 67%72%70%69%
Carpool 7%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 22%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 Fleming Island look like those in Clay County: 2.57 people on average.

Many people here do not commute at all: 22% work from home; 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 Fleming Island?

A typical home is tight for the typical income

We start with a typical home in Fleming Island, worth $422,400, 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 Fleming Island, which is $116,611 a year. For that payment to be 28% of income, a household would need to earn about $149,088 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 Fleming Island. 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 $14,784 (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

$3,479

at 7.18% · 30 years

Loan amount
$414,749
Total interest
$596,727
Paid off in
November 2056

Includes $7,133 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,721 a month

  • Tight

    $2,721 to $3,498 a month

    Your payment · 36%

  • Hard

    more than $3,498 a month

Compared with the typical household income in Fleming Island ($116,611 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,479
Principal & interest$2,810
Property tax$306
Home insurance$176
FHA mortgage insurance (MIP)$187

You need at least $14,784 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

Fleming Island and Clay County

Fleming Island 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).

Fleming Island's own numbers

Typical home value
$422,400
Typical monthly rent
$1,935
Typical yearly household income
$116,611
Households that own their home
85%
Effective property tax rate
0.87%

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 Fleming Island

A typical home in Fleming Island is worth $422,400: 35% above the county and 18% above Florida. With the typical household income in Fleming Island ($116,611 a year), a typical home costs 3.6 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.

  • Fleming Island 3.6 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

Fleming Island 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
  • Fleming Island $422,400
  • Clay $312,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Fleming Island $1,935
  • Clay $1,551
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Fleming Island $116,611
  • Clay $87,820
  • Florida $74,568
  • United States $80,734
See the full table
Fleming Island next to Clay County and Florida
Measure Fleming Island Clay County Florida U.S.
Typical home value $422,400 $312,500 $359,000 $332,700
Typical monthly rent $1,935 $1,551 $1,669 $1,413
Typical yearly household income $116,611 $87,820 $74,568 $80,734
Households that own their home 85% 76% 68% 65%
Typical yearly property tax $3,673 $2,241 $2,730 $3,119
Effective property tax rate 0.87% 0.72% 0.76% 0.94%
Renters with high rent for their income 51% 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 Fleming Island

For a typical $422,400 home in Fleming Island, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fleming Island's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,479a month

    Least cash to close
    Down payment
    $14,784
    Cash to close
    $27,456
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $187

  • Conventional, 5% down $3,401a month

    Down payment
    $21,120
    Cash to close
    $33,792
    Rate
    7.18%
    Mortgage insurance
    PMI · $201

  • Conventional, 20% down, no PMI $2,771a month

    Down payment
    $84,480
    Cash to close
    $97,152
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,162a month

    Down payment
    $63,360
    Cash to close
    $76,032
    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 Fleming Island and for Clay County.

Property tax

Effective rate in Fleming Island

0.87%of the home’s value each year

$3,673 a year for the typical owner in Fleming Island.

  • Fleming Island 0.87%
  • 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 Fleming Island

Typical rent in Fleming Island is $1,935 a month: 25% above the county. In Fleming Island, 51% 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.

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 Fleming Island

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fleming Island is in ZIP code 32003.

For 2 bedrooms it is $2,260: $566 more than the fair market rent for Clay County ($1,694).

  • 32003 $2,260$2,770

A ZIP code counts for Fleming Island 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 Fleming Island

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 Fleming Island

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Fleming Island

The HUD-approved agencies closest to the center of Fleming Island, 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 · 13 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 · 15 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 · 15 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 Fleming Island

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 Fleming Island

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 Fleming Island, 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 Fleming Island.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Fleming Island

Short answers with the numbers for Fleming Island 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 Fleming Island?

The typical home value in Fleming Island is $422,400, 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 Fleming Island?

Typical rent in Fleming Island is $1,935 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 Fleming Island?

Fleming Island 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 Fleming Island?

The typical homeowner in Fleming Island pays $3,673 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Clay County, the rate is 0.72%.

Where can I find free help to buy or rent in Fleming Island?

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).