In Lakeside, a typical home is worth $273,900 and typical rent is $1,479 a month. Compared with all of Clay County, the typical home value is 12% lower, typical household income is 7% lower, and the share of households that own their home is 7 points lower.
Lakeside 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
Nearby, in Bellair-Meadowbrook Terrace, the typical home value is $224,900: 18% less than in Lakeside ($273,900).
2
69% of households in Lakeside own their home, against 76% in Clay County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lakeside
What homes there are in Lakeside, 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
Lakeside
Clay County
Florida
United States
Kind of home: Lakeside and its comparisons
Measure
Lakeside
Clay County
Florida
United States
Detached house
77%
74%
55%
61%
Attached house
5%
4%
7%
6%
Building of 2 to 4
6%
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
8%
25%
19%
Mobile home
5%
11%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Clay County, most homes in Lakeside are detached houses (77%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Lakeside
Clay County
Florida
United States
Year built: Lakeside and its comparisons
Measure
Lakeside
Clay County
Florida
United States
Before 1960
3%
4%
10%
26%
1960–1979
29%
18%
24%
24%
1980–1999
50%
36%
34%
25%
2000–2009
12%
26%
18%
14%
2010 or later
7%
16%
14%
11%
Homes in Lakeside are older: the typical year built is 1985; in Clay County, 1996.
In Lakeside, 79% of homes have 3 bedrooms or more, about the same as in Clay County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K10%
$100K–$200K17%
$200K–$300K35%
$300K–$500K35%
$500K–$750KUnreliable
FHA limit: $580,750
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lakeside and its comparisons
Measure
Lakeside
Under $100K
10%
$100K–$200K
17%
$200K–$300K
35%
$300K–$500K
35%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 96% of owner-occupied homes in Lakeside are worth less than $500,000, below the FHA loan limit for Clay County ($580,750).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99912%
$1,000–$1,49939%
$1,500–$1,99928%
$2,000–$2,49916%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lakeside and its comparisons
Measure
Lakeside
Under $500
Unreliable estimate
$500–$999
12%
$1,000–$1,499
39%
$1,500–$1,999
28%
$2,000–$2,499
16%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,511 a month
Clay County: $1,748 a month
Without a mortgage
$501 a month
Clay County: $513 a month
Owners with a mortgage
68%
Clay County: 65%
Owning costs less in Lakeside: with a mortgage, the typical cost is $1,511 a month; in Clay County, $1,748. Without one, $501.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lakeside+63%
Clay County+69%
Florida+67%
United States+53%
Typical rent
Lakeside+41%
Clay County+35%
Florida+42%
United States+33%
Typical household income
Lakeside+28%
Clay County+34%
Florida+34%
United States+29%
Change since 2015–2019: Lakeside and its comparisons
Measure
Lakeside
Clay County
Florida
United States
Typical home value
+63%
+69%
+67%
+53%
Typical rent
+41%
+35%
+42%
+33%
Typical household income
+28%
+34%
+34%
+29%
Homes in Lakeside gained value more slowly than in Clay County: 63% since 2015–2019, against 69%.
The typical rent in Lakeside rose 41% over the same time; in Clay County, it rose 35%.
The typical household income in Lakeside rose 28%: less than home values (+63%) and rent (+41%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lakeside and its comparisons
Measure
Lakeside
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
2.65
2.69
2.51
2.53
Drive alone
77%
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
14%
16%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Clay County, a household in Lakeside has 2.65 people on average.
In Lakeside, 77% of workers drive alone to work; in Clay County, 72%.
Do the math
What would you pay each month for a home in Lakeside?
A typical home is tight for the typical income
We start with a typical home in Lakeside, worth $273,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Lakeside, which is $81,684 a year. For that payment to be 28% of income, a household would need to earn about $94,913 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 Lakeside. 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 $9,587 (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
$2,215
at 7.18% · 30 years
Loan amount
$268,938
Total interest
$386,939
Paid off in
November 2056
Includes $4,625 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,906 a month
Tight
$1,906 to $2,451 a month
Your payment · 33%
Hard
more than $2,451 a month
Compared with the typical household income in Lakeside ($81,684 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,822
Property tax
$158
Home insurance
$114
FHA mortgage insurance (MIP)
$121
You need at least $9,587 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 $2,215; principal and interest $1,822.
The city and its county
Lakeside and Clay County
Lakeside 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).
Lakeside
Map of Clay County, Florida, with Lakeside marked. Around it, the neighboring counties.
Lakeside
Clay County
Other cities with a page
Lakeside's own numbers
Typical home value
$273,900
Typical monthly rent
$1,479
Typical yearly household income
$81,684
Households that own their home
69%
Effective property tax rate
0.69%
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 Lakeside is worth $273,900: 12% below the county and 24% below Florida. With the typical household income in Lakeside ($81,684 a year), a typical home costs 3.4 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.
Lakeside3.4 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
Lakeside 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
Lakeside$273,900
Clay$312,500
Florida$359,000
United States$332,700
Typical monthly rent
Lakeside$1,479
Clay$1,551
Florida$1,669
United States$1,413
Typical yearly household income
Lakeside$81,684
Clay$87,820
Florida$74,568
United States$80,734
See the full table
Lakeside next to Clay County and Florida
Measure
Lakeside
Clay County
Florida
U.S.
Typical home value
$273,900 ▼12% below the county
$312,500
$359,000
$332,700
Typical monthly rent
$1,479 ▼5% below the county
$1,551
$1,669
$1,413
Typical yearly household income
$81,684 ▼7% below the county
$87,820
$74,568
$80,734
Households that own their home
69% ▼7 points below the county
76%
68%
65%
Typical yearly property tax
$1,900 ▼15% below the county
$2,241
$2,730
$3,119
Effective property tax rate
0.69% ▼0.03 points below the county
0.72%
0.76%
0.94%
Renters with high rent for their income
52% ▲2 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 Lakeside
For a typical $273,900 home in Lakeside, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lakeside's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,215a month
Least cash to close
Down payment
$9,587
Cash to close
$17,804
Rate
7.18%
Mortgage insurance
FHA MIP · $121
Conventional, 5% down$2,164a month
Down payment
$13,695
Cash to close
$21,912
Rate
7.18%
Mortgage insurance
PMI · $130
Conventional, 20% down, no PMI$1,756a month
Down payment
$54,780
Cash to close
$62,997
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,009a month
Down payment
$41,085
Cash to close
$49,302
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lakeside
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,215
$9,587
$268,939
7.18%
FHA MIP · $121
$17,804
580
Conventional, 5% down
$2,164
$13,695
$260,205
7.18%
PMI · $130
$21,912
620*
Conventional, 20% down, no PMI
$1,756
$54,780
$219,120
7.18%
None
$62,997
620*
ITIN, 15% down (example)
$2,009
$41,085
$232,815
8.18%
None
$49,302
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 Lakeside is $1,479 a month: 5% below the county. In Lakeside, 52% 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 Lakeside
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lakeside has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,650 in 32073 to $1,970 in 32065.
1 of the 2 is above the fair market rent for Clay County ($1,694).
Fair market rent by ZIP code and size in Lakeside, fiscal year 2027.
32065
$1,630
$1,650
$1,970
$2,410
$3,020
32073
$1,360
$1,380
$1,650
$2,020
$2,530
ZIP code2 bd3 bd
32065 $1,970$2,410
32073 $1,650$2,020
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lakeside 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)
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.
No down payment, repair or rent-help program on our list is for Lakeside or Clay County. The ones below are statewide in Florida: they work in Lakeside 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.
No legal help resource on our list is for Lakeside 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.
Short answers with the numbers for Lakeside 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 Lakeside?
The typical home value in Lakeside is $273,900, 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 Lakeside?
Typical rent in Lakeside is $1,479 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 Lakeside?
Lakeside 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 Lakeside?
The typical homeowner in Lakeside pays $1,900 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Clay County, the rate is 0.72%.
Where can I find free help to buy or rent in Lakeside?
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.
