Clay County, FL demographics:
population, income, and more

Total population
227,584
1.9% year-over-year change
Median household income
$87,820/yr
2.0% year-over-year change
Housing units
88,969
2.1% year-over-year change

Clay County population

How many people live in Clay County

Clay County is home to 227,584 residents, according to the most recent Census data. Gender-wise, 49.4% of Clay County locals are male, and 50.6% are female.

Total population
227,584
1.9% year-over-year change
Gender ratio
Male
49.4%
112,484
Female
50.6%
115,100
Value Percent YoY change
Male 112,484 49.4% 1.9%
Female 115,100 50.6% 1.8%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Clay County is 40, with the population distributed as follows: about 18.4% are children under 15, then 12.1% are in the 15 to 24 age group. Adults between 25 and 44 make up 25.7% of the population, while another 26.7% fall into the 45 to 64 bracket. Finally, around 17.1% are 65 or older.

Median age
40.4
Age breakdown
Under 15
18.4%
15 to 24
12.1%
25 to 44
25.7%
45 to 64
26.7%
Over 65
17.1%
Value Percent YoY change
Under 15 41,900 18.4% 1.1%
15 to 24 27,438 12.1% 1.7%
25 to 44 58,574 25.7% 2.3%
45 to 64 60,666 26.7% 0.7%
Over 65 39,006 17.1% 3.9%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Clay County, 89.5% of the population are US-born citizens, while 8.1% have gained naturalized citizenship. At the same time, 2.4% of residents are non-citizens. As for race, 69.9% of locals are Caucasian, 11.8% are African American and 3.1% have Asian roots. Another 0.2% are Indigenous American, 0.1% are Pacific Islanders, while 3.7% identify as another race. There’s also a share of 11.2% that includes residents with two or more races.

Citizenship
U.S.-born citizens
89.5%
Non-U.S.-born citizens
8.1%
Non-citizens
2.4%
Value Percent YoY change
U.S.-born citizens 203,627 89.5% 1.1%
Non-U.S.-born citizens 18,404 8.1% 4.7%
Non-citizens 5,553 2.4% 25.7%
Racial breakdown
White
69.9%
Black or African American
11.8%
American Indian and Alaska Native
0.2%
Asian
3.1%
Native Hawaiian and other Pacific Islander
0.1%
Two or more races
11.2%
Other
3.7%
Value Percent
White 159,072 69.9%
Black or African American 26,854 11.8%
American Indian and Alaska Native 473 0.2%
Asian 7,004 3.1%
Native Hawaiian and other Pacific Islander 280 0.1%
Two or more races 25,568 11.2%
Other 8,333 3.7%

Households in Clay County

A peek inside Clay County households

Clay County has 83,707 households, with an average of 3 members in each. Of these, 74.3% are families, while the remaining 25.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
83,707
2.4% year-over-year change
Average people per household
3
Non-family households
21,550
Family households
62,157
Value Percent YoY change
Non-family households 21,550 25.7% 5.6%
Family households 62,157 74.3% 1.3%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Clay County

The housing landscape of Clay County

Clay County's housing consists of 88,969 units, with 74% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.1% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 11.1% of the housing landscape.

Housing units
88,969
2.1% year-over-year change
Housing types
Value Percent
1 unit, detached 65,813 74%
1 unit, attached 3,640 4.1%
2 units 508 0.6%
3 or 4 units 2,324 2.6%
5 to 9 units 2,517 2.8%
10 to 19 units 1,884 2.1%
20 to 49 units 936 1%
50 or more units 1,338 1.5%
Mobile home 9,870 11.1%
Boat, RV, van, etc. 139 0.2%
Homes built since 2020
3,776
69.0% year-over-year change

The age of buildings in Clay County

In Clay County, the median construction year is 1996. About 0.8% of homes were built before the 1940s, with another 1% going up by 1949. Most development happened in the second half of the 20th century. Then, 26% of homes were added from 2000 to 2009, 11.9% between 2010 and 2019, and 4.2% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 734 0.8% -1.9%
Built between 1940 and 1949 872 1% -16.5%
Built between 1950 and 1959 2,132 2.4% -0.6%
Built between 1960 and 1969 5,231 5.9% 11.2%
Built between 1970 and 1979 10,694 12% -6.7%
Built between 1980 and 1989 15,751 17.7% -1.0%
Built between 1990 and 1999 16,061 18% -2.2%
Built between 2000 and 2009 23,132 26% 2.3%
Built between 2010 and 2019 10,586 11.9% 7.2%
Built in 2020 or later 3,776 4.2% 69.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Clay County occupancy rates

Out of the 83,707 occupied housing units in Clay County, 75.9% are owner-occupied, while 24.1% are lived in by tenants. Meanwhile, 5.9% of all homes on the local market sit vacant.

Occupied housing units
83,707
2.4% year-over-year change
Occupancy breakdown
Renter occupied
20,185
Owner occupied
63,522
Value Percent YoY
change
Renter occupied 20,185 24.1% 3.9%
Owner occupied 63,522 75.9% 1.9%
Unoccupied housing units
5.9%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Clay County housing costs

Housing costs in Clay County come to a median of $1,401 per month, while tenants specifically pay a median gross rent of $1,551.

Median housing costs per month
$1,401/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Clay County
$1,551/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Clay County

Clay County education at a glance

About 35.2% of the population in Clay County went to high school, while 24.6% pursued college studies. Another 11.5% earned an associate degree and 17.7% hold a bachelor’s. Meanwhile, 8.7% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 3,856 2.2% 23.3%
High school diploma 61,865 35.2% 3.1%
College diploma 43,220 24.6% -0.1%
Associate degree 20,241 11.5% 1.3%
Bachelor's degree 31,063 17.7% 1.9%
Graduate degree 15,340 8.7% 0.3%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Clay County

How much people earn in Clay County

The average annual household income in Clay County was $105,935 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +0.4% change from the previous year. At the same time, the median income stood at $87,820, reflecting a +2% shift over the same period.

Average household income in Clay County
$105,935/year
0.4% year-over-year change
Median household income in Clay County
$87,820/year
2.0% year-over-year change

Clay County income by age

In Clay County, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $94,382. Those with someone between 45 and 64 in charge, often well established professionally, earn $103,696 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $60,042, while those led by someone over 65, many of whom may be retired, have about $67,737 in earnings. Overall, 90.8% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $60,042 25.5%
25 - 44 $94,382 2.2%
45 - 64 $103,696 2.0%
Over 65 $67,737 0.4%
Above poverty level
202,434
Below poverty level
20,378
Value Percent YoY
change
Above poverty level 202,434 90.8% 2.0%
Below poverty level 20,378 9.2% 2.6%

Employment in Clay County

Workforce and job types in Clay County

The job market in Clay County is powered by 108,338 working residents, spread across a range of industries and roles. 79% of the working population are employed in professional or administrative positions, while 21% are in hands-on or service-based jobs. Also, 9.8% run their own businesses, 69% are employed by private companies, and 14.4% work in the public sector.

Workforce demographics

Working population
108,338
2.8% year-over-year change
White collar
85,539
Blue collar
22,799
Value Percent YoY change
White collar 85,539 79% 1.9%
Blue collar 22,799 21% 6.3%
Employer type
Self employees
9.8%
Private companies
69%
Governmental workers
14.4%
Not for profit companies
6.8%
Value Percent YoY change
Self employees 10,585 9.8% 3.6%
Private companies 74,798 69% 3.4%
Governmental workers 15,618 14.4% 3.1%
Not for profit companies 7,337 6.8% -4.8%
Unemployment rate
3.8%
1.8% year-over-year change

Available workforce

The unemployment rate in Clay County stands at 3.8%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Clay County

How people get around in Clay County

Commuting methods vary: 81% of residents travel by personal vehicle and 0.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 88,151 81% 0.9%
Taxicab 351 0.3% 3.5%
Bus or trolleybus 101 0.1% -5.6%
Ferryboat 10 0% N/A
Motorcycle 428 0.4% -2.1%
Bicycle 421 0.4% 64.5%
Walk 816 0.8% -9.9%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Clay County by zipcode?

Zipcode Population Number of households Median income Average income
32656 15,836 5,910 $74,213 $89,361
32666 6,662 2,848 $68,765 $87,271
32073 43,561 16,763 $76,455 $91,769
32079 419 175 $41,094 $62,163
32234 9,678 3,272 $87,331 $100,196
32003 29,766 11,470 $116,611 $146,078
32043 34,562 13,042 $84,145 $105,301
32065 41,578 14,640 $97,455 $105,325
32068 58,983 20,769 $84,431 $101,157

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FAQs about Clay County demographics 

What is the total population of Clay County?

Clay County has a total population of 227,584 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.9% compared to a year ago.

What is the gender ratio in Clay County?

The gender ratio in Clay County is as follows:
  • 49.4% males (112,484 residents)
  • 50.6% females (115,100 residents)

What is the median age in Clay County?

The median age in Clay County is 40.4.

What is the age distribution of the population in Clay County?

The age distribution in Clay County is as follows:
  • Under 15: 18.4% (41,900 residents)
  • Ages 15-24: 12.1% (27,438 residents)
  • Ages 25-44: 25.7% (58,574 residents)
  • Ages 45-64: 26.7% (60,666 residents)
  • Over 65: 17.1% (39,006 residents)

What is the racial and ethnic makeup of Clay County?

The racial and ethnic makeup of Clay County is as follows:
  • White: 69.9% (159,072 residents)
  • Black or African American: 11.8% (26,854 residents)
  • American Indian and Alaska Native: 0.2% (473 residents)
  • Asian: 3.1% (7,004 residents)
  • Native Hawaiian and Other Pacific Islander: 0.1% (280 residents)
  • Two or More Races: 11.2% (25,568 residents)
  • Other: 3.7% (8,333 residents)

What percentage of the population in Clay County are U.S.-born citizens?

U.S.-born citizens represent 89.5% of the population in Clay County.

How many housing units are there in Clay County?

There are 88,969 housing units in Clay County, reflecting a +2.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Clay County and what is the average household size?

Clay County has a total of 83,707 households, with an average of 3 people in each.

What is the median household income in Clay County?

Clay County has a median household income of $87,820, representing a +2.0% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Clay County?

The employment rate is 96.2% in Clay County, with a workforce of 108,338 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 79% (85,539 residents)
  • Blue-collar workers: 21% (22,799 residents)

Places of employment:
  • Self-employed: 9.8% (10,585 residents)
  • Private companies: 69% (74,798 residents)
  • Governmental workers: 14.4% (15,618 residents)
  • Not-for-profit companies: 6.8% (7,337 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025