Loan Limits / Florida / Clay County
2026 Loan Limits · Florida · JACKSONVILLE, FL
Clay County, FL.
2026 conforming and FHA loan limits, calibrated to a median sales price of $486,000.
Median Sales Price
$486,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$580,750
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $580,750 |
| 2-unit (duplex) | $743,450 |
| 3-unit (triplex) | $898,700 |
| 4-unit (fourplex) | $1,116,850 |
About this county
About Clay County
Clay County is located in the northeastern part of the U.S. state of Florida along the west bank of the St. Johns River. As of 2020, the population was 218,245 and in 2023, that number increased to 232,439, making it the third largest county in the Jacksonville metropolitan area. While most of the county is unincorporated, there are 4 municipalities with Green Cove Springs being the county seat and the unincorporated Lakeside CDP being the largest place. It is named in honor of Henry Clay, a famous American statesman, member of the United States Senate from Kentucky, and United States Secretary of State in the 19th century. Read more on Wikipedia →
Population
223,436
U.S. Census ACS 2023
Median Household Income
$86,094
U.S. Census ACS 2023
Median Home Value (Census)
$281,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in Clay County
The 2026 conforming 1-unit limit for Clay County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Clay County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $580,750. The HUD CHUMS table pegs the median sales price for Clay County at $486,000. Clay County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Clay County ($486,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Clay County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Clay County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.