The median home in Clay, Alabama is valued at $244,192, down 0.4% year over year. Typical monthly rent is $1,727, producing a price-to-rent ratio of 11.8x — below the national average of 18x. Clay is part of the Birmingham-Hoover, AL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$244,192

-0.4%

Rent$1,727/mo

Prices falling — better for buyers.

Affordability

Enter your income for Clay.

Income (annual)

Down Payment

$48,838 on $244,192

Example: $75,000 household income. Change it above to see your own.

Affordable24.3% of income

Under the 28% guideline.

PITI$1,518

P/I24.3%

Afford$282K

Room+$37K

P&I $1,235Tax $83Ins $200

Buying $209/mo cheaper ($1,727 rent)6.50% 30yr, 20% down, county tax + AL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Alabama

Compare Clay with other housing markets across Alabama.

Mountain Brook$985K Orange Beach$665K Equality$637K Jacksons Gap$591K Indian Springs Village$569K Vestavia Hills$539K Homewood$533K Dadeville$508K

Full Birmingham-Hoover, AL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Birmingham-Hoover, AL metro.

View Birmingham-Hoover, AL metro

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Clay, AL