The Town FilesPenney Farms, Florida
Town in Clay County · population 821 (2020 Census)
- Median home
- $230,800
- Household income
- $52,500
- Jan low / Jul high
- 45° / 92°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 15
- Median age
- 81.1
Penney Farms is a town of 821 people in Clay County, Florida. The median home is worth $230,800, below the typical Florida town ($331,600). It ranks better for retirees than 96% of Florida towns, better for first-time buyers than 94% of Florida towns, quieter than 75% of Florida towns.
How Penney Farms ranks
Percentile among Florida towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Florida towns.
Homes and cost of living
The median home in Penney Farms is worth $230,800, below the typical Florida town ($331,600). Homes cost about 4.4 times the median household income of $52,500, which is more affordable than 55% of Florida towns. Median rent is $1,946 a month. 15.3% of households own their home.
| Housing | Penney Farms | Typical Florida town |
|---|---|---|
| Median home value | $230,800 | $331,600 |
| Median rent | $1,946 | $1,569 |
| Median household income | $52,500 | $71,140 |
| Home value ÷ income | 4.4× | 4.5× |
| Homeownership | 15.3% | 73.5% |
| Median year built | 1954 | 1985 |
| Seasonal / vacation homes | 2.6% | — |
Who lives in Penney Farms
| People | Penney Farms | Typical Florida town |
|---|---|---|
| Median age | 81.1 | 42.8 |
| Age 65 and over | 91.1% | 20.2% |
| Under 18 | 0.0% | — |
| Bachelor's degree or higher | 49.7% | 28.8% |
| Below the poverty line | 9.6% | 11.3% |
| Veterans | 18.4% | — |
| Born outside the U.S. | 4.4% | — |
| Work from home | 6.7% | 13.5% |
| Average commute | — min | 27.5 min |
| Homes with broadband | 84.3% | 92.4% |
Weather in Penney Farms
July highs average 92.4°F and January lows 45.3°F. About 53.4 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical Florida town: 0.0 in). Expect about 92 days a year at 90°F or hotter and 15 nights at or below freezing.
Tornadoes, storms and disasters
15 tornadoes have passed within 10 miles of Penney Farms since 1950, compared with 35 for the typical Florida town. 3 rated (E)F2 or stronger. The strongest, an F2, struck on March 29, 2001 about 6.5 miles from the town center. The most recent was on September 26, 2023.
Hail of 1 inch or larger has been reported within 10 miles 25 times; the largest was 2.00 inches on April 26, 2023.
Severe weather in Clay County since 1996
Clay County has been included in 39 federal disaster or emergency declarations since 1953, most often for fire, freezing, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| April 22, 2026 | Fire | FM-5631: Railroad Complex Fire |
| October 11, 2024 | Hurricane | DR-4834: Hurricane Milton |
| October 7, 2024 | Hurricane | EM-3622: Hurricane Milton |
| September 28, 2024 | Hurricane | DR-4828: Hurricane Helene |
| August 10, 2024 | Tropical Storm | DR-4806: Hurricane Debby |
Jobs and pay in Clay County
Clay County had 57,413 jobs in 2024, paying an average of $54,688 a year. Unemployment was 2.9% in 2023; in Penney Farms itself the ACS puts it at 0%.
Towns near Penney Farms
- Asbury Lake, FL4.9 mi · 11,036 people · home $329,600
- Middleburg, FL7.2 mi · 12,881 people · home $254,600
- Green Cove Springs, FL7.8 mi · 9,786 people · home $371,000
- Fleming Island, FL10.1 mi · 29,142 people · home $422,400
- Lakeside, FL11.1 mi · 31,275 people · home $273,900
- Oakleaf Plantation, FL13.4 mi · 31,034 people · home $351,200
- Fruit Cove, FL13.9 mi · 32,143 people · home $484,000
- Bellair-Meadowbrook Terrace, FL14.5 mi · 14,482 people · home $224,900
Penney Farms questions
Is Penney Farms, Florida a good place to retire?
On The Town Files lifestyle rankings, Penney Farms scores better for retirees than 96% of Florida towns and quieter than 75%. 91.1% of residents are 65 or older (median age 81.1).
How much does a house cost in Penney Farms?
The median owner-occupied home in Penney Farms is valued at $230,800 (Census ACS 2020–2024), against a median household income of $52,500, so homes cost about 4.4 times income. Median rent is $1,946 a month.
What is the weather like in Penney Farms?
July highs average 92.4°F and January lows 45.3°F (NOAA 1991–2020 normals). It gets about 53.4 inches of precipitation a year and 0.0 inches of snow.
Does Penney Farms get tornadoes?
15 tornadoes have passed within 10 miles of Penney Farms since 1950 (NOAA Storm Events); the strongest was a F2 on March 29, 2001. The typical Florida town has had 35.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)