City

CLAY, KY

Median home value: $126K (+3.9% YoY).

Limited Data

Basic Zillow data only. For stress scores, AI analysis, and trends, explore tracked metros.

Home Value$126,304
+3.9%
AFFORDABILITY

Enter your income for Clay.

$25,261 on $126,304
Affordable — 13.8% of income

Under the 28% guideline.

PITI$863
P/I13.8%
Afford$256K
Room+$130K
P&I $606Tax $91Ins $167
6.00% 30yr, 20% down, county tax + KY ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Clay Housing Market | CrashWatch