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City · 32,070 residents · Clay County, Florida

Oakleaf Plantation , Florida

In Oakleaf Plantation, a typical home is worth $351,200 and typical rent is $2,058 a month. Compared with all of Clay County, typical rent is 33% higher, typical household income is 24% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $351,200

    12% above the county

    2% below Florida

    • Oakleaf Plantation
    • Clay
    • Florida

  • Typical rent

    $2,058a month

    33% above the county

    23% above Florida

    • Oakleaf Plantation
    • Clay
    • Florida

  • Typical household income

    $108,543a year

    24% above the county

    46% above Florida

    • Oakleaf Plantation
    • Clay
    • Florida

  • Households that own their home

    82%

    6 points above the county

    14 points above Florida

    • Oakleaf Plantation
    • Clay
    • Florida

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

Oakleaf Plantation 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 Oakleaf Plantation 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: 36% less than in Oakleaf Plantation ($351,200).

  2. Nearby, in Orange Park, the typical rent is $1,429: 31% less than in Oakleaf Plantation ($2,058).

  3. The typical rent in Oakleaf Plantation is $2,058 a month, 33% more than in Clay County as a whole ($1,551).

  4. The typical household income in Oakleaf Plantation is $108,543, 24% more than in Clay County as a whole ($87,820).

  5. 82% of households in Oakleaf Plantation own their home, against 76% in Clay County.

  6. Oakleaf Plantation has the 38th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (47%).

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

The homes here

Housing in Oakleaf Plantation

What homes there are in Oakleaf Plantation, 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

The detached house rules in Oakleaf Plantation: 81% of homes, more than in Clay County (74%).

Year built

Here half of the homes date from 2007 or later; in Clay County, from 1996 or later.

In Oakleaf Plantation, 92% of homes have 3 bedrooms or more, more than 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

$2,178 a month

Clay County: $1,748 a month

Without a mortgage

$738 a month

Clay County: $513 a month

Owners with a mortgage

80%

Clay County: 65%

Owning costs more in Oakleaf Plantation: with a mortgage, the typical cost is $2,178 a month; in Clay County, $1,748. Without one, $738.

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 Oakleaf Plantation gained value more slowly than in Clay County: 52% since 2015–2019, against 69%.

Rents in Oakleaf Plantation rose more slowly than in Clay County: 24% since 2015–2019, against 35%.

While home values in Oakleaf Plantation changed +52% and rent +24%, the typical household income rose 24%.

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

MeasureOakleaf PlantationClay 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 3.032.692.512.53
Drive alone 68%72%70%69%
Carpool 9%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 23%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Oakleaf Plantation has 3.03 people, more than in Clay County (2.69).

In Oakleaf Plantation, 23% 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 Oakleaf Plantation?

A typical home is tight for the typical income

We start with a typical home in Oakleaf Plantation, worth $351,200, 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 Oakleaf Plantation, which is $108,543 a year. For that payment to be 28% of income, a household would need to earn about $125,588 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 Oakleaf Plantation. 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 $12,292 (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

$2,930

at 7.18% · 30 years

Loan amount
$344,839
Total interest
$496,142
Paid off in
November 2056

Includes $5,931 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,533 a month

  • Tight

    $2,533 to $3,256 a month

    Your payment · 32%

  • Hard

    more than $3,256 a month

Compared with the typical household income in Oakleaf Plantation ($108,543 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,930
Principal & interest$2,336
Property tax$293
Home insurance$146
FHA mortgage insurance (MIP)$155

You need at least $12,292 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

Oakleaf Plantation and Clay County

Oakleaf Plantation 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).

Oakleaf Plantation's own numbers

Typical home value
$351,200
Typical monthly rent
$2,058
Typical yearly household income
$108,543
Households that own their home
82%
Effective property tax rate
1%

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 Oakleaf Plantation

A typical home in Oakleaf Plantation is worth $351,200: 12% above the county and 2% below Florida. With the typical household income in Oakleaf Plantation ($108,543 a year), a typical home costs 3.2 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.

  • Oakleaf Plantation 3.2 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

Oakleaf Plantation 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
  • Oakleaf Plantation $351,200
  • Clay $312,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Oakleaf Plantation $2,058
  • Clay $1,551
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Oakleaf Plantation $108,543
  • Clay $87,820
  • Florida $74,568
  • United States $80,734
See the full table
Oakleaf Plantation next to Clay County and Florida
Measure Oakleaf Plantation Clay County Florida U.S.
Typical home value $351,200 $312,500 $359,000 $332,700
Typical monthly rent $2,058 $1,551 $1,669 $1,413
Typical yearly household income $108,543 $87,820 $74,568 $80,734
Households that own their home 82% 76% 68% 65%
Typical yearly property tax $3,517 $2,241 $2,730 $3,119
Effective property tax rate 1% 0.72% 0.76% 0.94%
Renters with high rent for their income 47% 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 Oakleaf Plantation

For a typical $351,200 home in Oakleaf Plantation, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oakleaf Plantation's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,930a month

    Least cash to close
    Down payment
    $12,292
    Cash to close
    $22,828
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $155

  • Conventional, 5% down $2,866a month

    Down payment
    $17,560
    Cash to close
    $28,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $167

  • Conventional, 20% down, no PMI $2,342a month

    Down payment
    $70,240
    Cash to close
    $80,776
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,667a month

    Down payment
    $52,680
    Cash to close
    $63,216
    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 Oakleaf Plantation and for Clay County.

Property tax

Effective rate in Oakleaf Plantation

1%of the home’s value each year

$3,517 a year for the typical owner in Oakleaf Plantation.

  • Oakleaf Plantation 1%
  • 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 Oakleaf Plantation

Typical rent in Oakleaf Plantation is $2,058 a month: 33% above the county. In Oakleaf Plantation, 47% 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 Oakleaf Plantation

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oakleaf Plantation 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).

  • 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 Oakleaf Plantation 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 Oakleaf Plantation

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Oakleaf Plantation

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Oakleaf Plantation

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

  • Wealth Watchers, Inc

    5310 Lenox Ave Ste 4, Jacksonville · 11 miles away

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

  • Jacksonville Area Legal Aid, Inc.

    126 W Adams St, Jacksonville · 15 miles away · Spanish

    Also serves in American Sign Language (ASL), Creole, French, and Hindi.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (904) 356-8371

  • NSC (naca Counseling Subsidiary) - Jacksonville, FL

    3986 Boulevard Center Dr Ste 101, Jacksonville · 16 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 Oakleaf Plantation

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 Oakleaf Plantation

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 Oakleaf Plantation, 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 Oakleaf Plantation.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Oakleaf Plantation

Short answers with the numbers for Oakleaf Plantation 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 Oakleaf Plantation?

The typical home value in Oakleaf Plantation is $351,200, 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 Oakleaf Plantation?

Typical rent in Oakleaf Plantation is $2,058 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 Oakleaf Plantation?

Oakleaf Plantation 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 Oakleaf Plantation?

The typical homeowner in Oakleaf Plantation pays $3,517 a year, according to the U.S. Census Bureau. That is 1% of the home’s value; in Clay County, the rate is 0.72%.

Where can I find free help to buy or rent in Oakleaf Plantation?

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).