Middleburg 32068

Clay County, FL · 27,485 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

60affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
24.1%
affordable
Days on market
63
daily
Price cuts
27.8%
of active
Valuation
-13.5%
vs assessor
Look up an address
65
/100
Stable
stable · seller slight · prices easing year-over-year.
Price trend
35
Affordability
95
Valuation
70
Economic health
60

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

50/ 100SellerBalancedBuyer
Balanced Market
DOM: 82d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)60
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)75
Days on Market (5%)75

Balanced market in 32068. List price is roughly fair — focus on condition and value. Payment burden: 24.1% of median income. Median days on market: 82. Renting is approximately 15% cheaper than buying (price-to-rent ratio: 13.8). Market appears 14% overpriced vs. assessed values.

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLESELLER SLIGHT

Market is holding steady with balanced conditions. Sellers hold a slight edge.

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Market snapshoteach number, once

Median price
$327,916
▾ 1.0% YoY
Days on market
63
daily · zip_data
Median rent
$1,978
ZORI
Investor score
72/100
cash-flow lens
Active listings
323
90-day

Valuation3 lenses, different anchors

vs assessor
-13.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$283,700
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+67.5%
County-wide market — the widest, slowest signal.
Clay+67.5%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$163
Price-to-income4.0×

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How 32068 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity56%
Supply tightness32%
Affordability83%
Investment yield64%
Appreciation64%

Affordability, supply & momentum

23SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.1 mo
Days on Market63d
Inv vs History-0.8%
Listing Density15.9/1k
Affordability — payment burden
Monthly payment (P&I)$1,656
Payment burden24.1%
Median income · ZIP$82,410
Mortgage rate6.49% · 30yr
Total monthly own$1,984
Monthly rent$1,978
Market dynamics
Price cut %27.8%
Momentumstable
LeverageSELLER SLIGHT
Months of supply18.1
Sales (90d)0
Investment analysis
Median rent$1,978
Price-to-rent13.8
Est. cap rate4.7%
Buy vs rentfavors buying

Livability

Walk score2
Transit score—
Bike score—

Historical trends

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Clay County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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