Florida · County property tax · ACS 2024
Clay County Property Taxes
The median homeowner in Clay County pays $2,241 a year, an effective rate of 0.72%, notably higher than the U.S. average.
- $2,241
- Median tax / yr · Above-median bill
- 0.72%
- Effective rate · Below-median rate
- +12%
- vs U.S. average
- #35 of 67
- rank in FL
The verdict
Homeowners in Clay County pay a median $2,241 a year in property tax, an effective rate of 0.72%, more affordable than 58% of U.S. counties (Census ACS 2024).
- $2,241
- Median annual tax bill, 2024
- 0.72%
- Effective rate on median home
- #1325 of 3135
- U.S. counties by tax burden
- +12%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($312,500). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Florida. Population: 227,584. Owner-occupied homes: 63,522.
The median annual property tax in Clay County is $2,241, which is 18% lower than the Florida state average and 12% above the national average. The effective tax rate is 0.72% on a median home value of $312,500. Property taxes represent 2.6% of the median household income in this county.
Clay County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Clay County's 0.72% effective rate sits near the middle of 3,135 tracked counties (more affordable than 58%).
Decision signal 2
The bill is near the usual comparison points
Homeowners in Clay County pay a median annual property tax of $2,241, notably higher than the national median and notably lower than the Florida state median. On a $312,500 median home, that works out to an effective rate of 0.72% once the local assessment base and millage are combined.
Decision signal 3
Income and the tax bill sit in the middle band
Property taxes in Clay County run within the commonly cited 2%-4% national benchmark, at about 2.6% of the $87,820 median household income.
Decision signal 4
Near the middle of Florida counties by effective rate
Clay County ranks #35 of 67 counties in Florida by effective rate (48% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Clay County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
A falling rate took the edge off
Clay County's effective rate fell 12.6% across the 4-year span while its median home value rose 59.5%, leaving the median bill 39.5% higher at $2,241. That rate move is larger than the one in 52% of counties, so a good deal of the market's rise never reached the bill.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
The bill here climbed steeply over 2020-2024, up 39% from $1,607 to $2,241. These ACS medians describe the reported change; they do not identify whether a levy, assessment, home value, or change in the responding households caused it.
The heaviest band is also the fullest one here: 20,750 of 63,522 owner-occupied homes (32.7%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
Top-quartile earnings meet a below-median rate, putting the median bill at 2.6% of median household income. Counties in this position span a wide range on the ratio above, because the dollar bill tracks home values rather than the rate.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Clay County Homeowners Actually Pay
The single largest group of Clay County homeowners, 20,750 of 63,522 owner-occupied homes (32.7%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 10.7% (6,785)
- $800 to $1,499 19.0% (12,087)
- $1,500 to $1,999 12.9% (8,208)
- $2,000 to $2,999 19.3% (12,234)
- $3,000 or more 32.7% (20,750)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
3,458 homes here (5.4%) report no real estate tax at all. Exemptions are set by state: how Florida handles assessments and appeals.
With vs Without Mortgage
Mortgaged homeowners in Clay County pay a substantially higher bill, 35% more, pointing to a wide home-value gap between the two groups.
Clay County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Clay County's effective rate is higher than 48% of the 67 counties in Florida - ranking #35 of 67.
Where Clay County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
0.72% more affordable than 58% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
What changed since 2020
The median bill in Clay County moved from $1,607 in the 2020 release to $2,241 in 2024, a change of about 39%. These are American Community Survey 5-year estimates compared across releases that share only one sample year, which is why this page never compares consecutive releases: those overlap in four years of the same households and move mostly on sampling.
Clay County vs Benchmarks
| Metric | Clay County | Florida Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Below-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 2.6% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Clay County is UNDER · MID on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · Florida counties.
Clay County rate trail · UNDER
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $2,241 +7.7% | 0.72% |
| 2023 | $2,080 +7.3% | 0.74% |
| 2022 | $1,939 +12.0% | 0.76% |
| 2021 | $1,732 +7.8% | 0.82% |
| 2020 | $1,607 | 0.82% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Clay County: tax-to-income at 2.6%
Counties near Clay County's effective rate
On effective rate, Clay County sits nearest Lassen County (CA), Prairie County (AR), Franklin County (GA).
On published median-tax change, the nearest matches are Lyman County (SD), Van Buren County (TN), Iron County (MO).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Clay County: only 4% of returns show Schedule A real-estate tax
Tax year 2022: 4,990 of 111,410 returns from Clay County reported real estate taxes, averaging $5,582 - 35% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Florida
Clay County rate FAQs
- What is the tax affordability score for Clay County?
- Clay County, Florida scores D (42/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is rate relief at C (0.72%). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- What is the average property tax in Clay County, Florida?
- The median annual property tax in Clay County is $2,241, an effective rate of 0.72% on a $312,500 median home (Census ACS, 2024).
- Are property taxes increasing in Clay County?
- The ACS median property-tax bill for Clay County jumped 39.5% between the 2020 and 2024 5-year releases, from $1,607 to $2,241, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- How does Clay County property tax compare to the national average?
- Property taxes in Clay County run notably higher than the national median of $1,993, an effective rate of 0.72% versus 0.92% nationally.
- What percentage of income goes to property taxes in Clay County?
- Property taxes in Clay County run within the commonly cited 2%-4% national benchmark, at about 2.6% of the $87,820 median household income.
What to do with Clay County's UNDER rate
At Clay County's 0.72% effective rate, a $312,500 home implies about $2,241/yr - plug in your own assessed value rather than quoting the county median. Estimate your bill →
Clay County ranks #35 of 67 Florida counties by effective rate - on the lower-burden half of the state ACS set. Florida overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Clay County's UNDER effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.72%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $2,241/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Clay County
Nearest ABS(median_tax) ACS peers for Clay County (UNDER · MID), replacing the old fixed Keep exploring strip.
UNDER MID
Baker County, OR
ABS(median_tax) peer · $2,239/yr (near-tied bill ABS $2); rate 0.78% vs Clay County 0.72%.
Meeker County, MN
ABS(median_tax) peer · $2,243/yr (near-tied bill ABS $2); rate 0.90% vs Clay County 0.72%.
Hardin County, TX
ABS(median_tax) peer · $2,238/yr (near-tied bill ABS $3); rate 1.09% vs Clay County 0.72%.
Ionia County, MI
ABS(median_tax) peer · $2,237/yr (near-tied bill ABS $4); rate 1.13% vs Clay County 0.72%.
Florida county set
State ACS overview for every published Florida county rate and median bill.
Assessment cycle basics
Clay County stamps UNDER · MID - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Clay County (UNDER · MID) - ACS medians, not a parcel bill.