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KY area data

Clay, KY

Clay, KY.

Population: 2,109 (Census ACS)

The typical home value in Clay, KY is $142,250 — up 11.1% over the past year. Homes sell for a median $285,000 after a median 89 days on market. 1 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with ice storm, drought, strong wind the top-rated hazards. Cost of living is 9.8% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$142,250

Typical home value

+11.1%

1-year change

89

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Typical home value
$142,250
1-year appreciation
+11.1%
3-year appreciation
+17.4%
5-year appreciation
+32.8%
10-year appreciation
+96.8%
Peak value since 2000 (Aug 2026)
$142,250
House Price Index (state)
413.6 (+4.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$285,000
Median list price
$274,950
Median price per sqft
$95
1-year sale-price change
+119.2%
Median days on market
89 days
Homes sold (recent period)
5
For-sale inventory
14
Sale-to-list ratio
92.0%
Active listings
3
New listings (monthly)
3

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$650/mo
1BR fair-market rent
$695/mo
2BR fair-market rent
$909/mo
3BR fair-market rent
$1,241/mo
4BR fair-market rent
$1,270/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.2 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$14.20/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
1
Elementary schools
1
Middle schools
0
High schools
0
Avg student-teacher ratio
15.0 : 1
Schools include
Clay Elementary School

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
ice storm, drought, strong wind
Notable hazard ratings (county)
ice storm: Relatively High · drought: Relatively Moderate · strong wind: Relatively Moderate · hail: Relatively Low · tornado: Relatively Low · cold wave: Relatively Low
Wildfire risk to homes (county)
Higher than 18% of US counties
Buildings in wildfire direct-exposure zone
71.6%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
51.7 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

Airports within 30 mi
14
Nearest airport
Providence Webster County Airport (6 mi)
Hospitals in or near this ZIP
16
Hospitals include
FERRELL HOSPITAL COMMUNITY FOUNDATIONS, HARDIN COUNTY GENERAL HOSPITAL & CLINIC, DEACONESS HOSPITAL INC
Avg hospital rating (CMS)
2.6 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.3 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
-9 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1974
Housing built before 1970
42.2%
Housing built 2000 or later
20.4%
Median annual property tax
$1,013
Mean commute to work
31 min
Households with broadband internet
48.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
2,166
Average weekly wage
$1,166
Top industries (by employment)
Construction, Finance & Insurance, Administrative Services
Annual residential building permits (county)
5

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ClayState medianUS median
Typical home value$142,250$169,240$288,527
Median sale price$285,000$234,500$325,000
Median days on market89 days57 days51 days
Median annual property tax$1,013$921$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in Clay, KY?
$142,250.
What is the median sale price in Clay, KY?
$285,000.
How long do homes take to sell in Clay, KY?
Median days on market: 89 days.
What is typical rent in Clay, KY?
2-bedroom fair-market rent: $909/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in Clay, KY?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: ice storm, drought, strong wind.
What is the wildfire risk in Clay, KY?
Risk to homes is higher than 18% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Clay, KY?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Clay, KY?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve Clay, KY?
1 schools (1 elementary) (NCES, 2024-25).
What is the cost of living in Clay, KY?
Regional Price Parity: 90.2 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

ZIP code for Clay

Listing a home in Clay, KY?

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents