Rent in Clay County, FL at a glance
2-bedroom rent (HUD)
$1,658$19,896 a year · HUD fiscal year 2026From October 1, 2026: $1,694 (+2.2%)How much rent can you afford in Clay County, FL?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
Rent in Clay County, FL by bedroom, and the pay it takes
Income needed keeps rent at 30% of gross pay; the hourly figure assumes one full-time job, 2,080 hours a year.
| Size | A month | A year | Income needed | Hourly wage needed |
|---|---|---|---|---|
| Studio | $1,355 | $16,260 | $54,200 | $26.06/hr |
| 1 bedroom | $1,382 | $16,584 | $55,280 | $26.58/hr |
| 2 bedroomsMost searched | $1,658 | $19,896 | $66,320 | $31.88/hr |
| 3 bedrooms | $2,043 | $24,516 | $81,720 | $39.29/hr |
| 4 bedrooms | $2,561 | $30,732 | $102,440 | $49.25/hr |
Cost of living in Clay County, FL: income, prices and a budget →
Living and working in Clay County, FL
Rent in Clay County, FL: common questions
How much is rent going up in Clay County, FL in 2027?
HUD's Fair Market Rent for fiscal 2027, which takes effect October 1, 2026, is $1,694 for a two-bedroom, up 2.2% from $1,658. A one-bedroom goes from $1,382 to $1,421, a studio from $1,355 to $1,401.
These are HUD's estimates of what a typical recently rented unit costs, used for housing vouchers. A landlord's increase on your lease follows your lease and your state's rules, not this figure.
What is the average rent in Clay County, FL?
HUD's Fair Market Rent for 2026 is $1,382 for a one-bedroom and $1,658 for a two-bedroom, utilities included. That is $19,896 a year for the two-bedroom.
It is not an average of current listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so asking rents on newer places usually run higher.
How much do you need to make to afford rent in Clay County, FL?
To keep a $1,658 two-bedroom at 30% of gross pay, one full-time worker needs $31.88 an hour, or $66,320 a year. A one-bedroom at $1,382 takes $26.58 an hour.
How much is a 1, 2 or 3-bedroom apartment in Clay County, FL?
At HUD's 2026 Fair Market Rent: studio $1,355, one bedroom $1,382, two $1,658, three $2,043 and four $2,561 a month.
Is rent affordable in Clay County, FL?
For the typical household, earning $87,820 a year ($7,318 a month, Census ACS), a two-bedroom at $1,658 takes 22.7% of income. Under 30% is the usual line for affordable; this is under it.
How is the income needed for rent worked out?
Rent for a year divided by 0.30, the share of gross income HUD treats as affordable: ($1,658 × 12) ÷ 0.30 = $66,320. Divided by 2,080 working hours, that is $31.88 an hour.