Cost of Living in Clay County, NC

What does it cost to live in Clay County? Income, housing, and affordability breakdown.

Median Income

$57,065

Median Rent

$793/mo

Median Home

$251,900

Affordability

328

Housing Cost Breakdown

Owning (20% down, 6.5%)

Mortgage (P&I)$1,274
Property Tax$92
Insurance$84

Total Monthly$1,450
% of Income30.5%

Renting

Median Rent$793
Renter's Insurance$25

Total Monthly$818
% of Income16.7%

Living in Clay County, North Carolina

Clay County has a median household income of $57,065 with housing costs that represent 30.5% of income for owners and 16.7% for renters. Housing costs exceed the recommended 30% threshold, suggesting affordability challenges.

The affordability index of 328 (100 = median income perfectly covers median housing costs) gives a quick snapshot. Use our calculator for a comprehensive comparison across counties, including taxes, utilities, healthcare, and commute costs.

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Family and education

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Bureau of Labor Statistics, Bureau of Economic Analysis. Estimates are county-level medians. This is not financial advice.