Financial Literacy in Clay County, Florida

About 236,760 people live in Clay County, Florida. The population has grown 8.1% since 2020, a pace fast enough to reshape who lives there, from 218,956 to 236,760. The median age is 40.2.

28.7% of Clay County residents 25 and older have completed a bachelor's degree or more. That tracks the Florida average of 29.4% closely. Put the other way round: of the 155,026 adults 25 and over counted in the 2019–2023 ACS, roughly 110,534 — 71.3% — are building their financial lives without a four-year degree behind them.

The typical household here earns $86,094 a year. That is $18,573 above the Florida median. About 9.1% of residents live below the poverty line. The median home is valued at $281,500 — about 3.3× the median household income, a ratio that makes the arithmetic of a mortgage worth understanding before signing one.

Clay County by the numbers

Measure	Value
Population (2024)	236,760
Change since 2020	+8.1%
Median household income	$86,094
Adults 25+ with a bachelor’s degree	28.7%
Adults 25+ with a high school diploma	93.3%
Median age	40.2
Poverty rate	9.1%
Unemployment rate	3.8%
Median home value	$281,500
Land area	604.598 sq mi
Population density	392 / sq mi

What Florida teaches — and to whom

Florida has committed to 1 semester of personal finance as a graduation requirement, phasing in with the class of 2027 — so today's middle schoolers will be the first cohort held to it. That covers students still in the system. It does nothing for the adults already out of it — which, in Clay County, is most of the people reading this.

LearnLife organises this the way the decisions actually arrive: Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Emotional regulation — the self-management that decides whether the other skills ever get used.

Where to start in Clay County

Know the newcomer paperwork

Clay County has grown 8.1% since 2020. Fast in-migration means a lot of residents are navigating a new state's rules at once — registration and licensing deadlines, residency for tax purposes, and lease terms that differ from wherever they moved from.

Questions people ask about Clay County

Do high school students in Clay County, Florida have to take a personal finance class?

Yes — Florida has adopted a standalone requirement, phasing in with the graduating class of 2027. Students graduating before then are not covered.

How many adults in Clay County, Florida have a college degree?

28.7% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 71.3% are managing their finances without one.

What is the median household income in Clay County, Florida?

$86,094, per the Census Bureau's 2019–2023 American Community Survey.

Where can adults in Clay County, Florida learn personal finance?

Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.

Start with whichever one is costing you money right now.

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Population and demographic figures: U.S. Census Bureau — 2024 Gazetteer, Vintage 2024 Population Estimates, and the American Community Survey 2019–2023 5-year estimates. Graduation-requirement status: NGPF Live U.S. Dashboard, read 2026-09-14. Figures marked as unavailable are suppressed by the Census Bureau for small populations.