ZIP Code 32065

In ZIP 32065, near Orange Park, homes carry a median value of $299,400 while households earn a median of $97,455, or $36,874 per person. Clay County's 0.72% effective property tax rate works out to roughly $2,156 a year on that median home — a figure that stays contained against the area's income levels. Combined with a 7.50% sales tax rate, the overall tax picture leaves room in most household budgets, though buyers stretching toward the top of the market should weigh how assessments and insurance can shift annual costs.