The median home in Clay, West Virginia is valued at $104,389, down 4.8% year over year. Clay is part of the Charleston, WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Charleston, WV stress score, crash risk, and 12-month forecast →

Home Value$104,389

-4.8%

AFFORDABILITY

Enter your income for Clay.

Income (annual)

Down Payment

$20,878 on $104,389

Affordable — 11.1% of income

Under the 28% guideline.

PITI$695

P/I11.1%

Afford$263K

Room+$158K

P&I $528Tax $50Ins $117

6.50% 30yr, 20% down, county tax + WV ins. 28% per HUD.

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

Other cities in West Virginia

Compare Clay with other housing markets across West Virginia.

Shepherdstown$469K Summit Point$446K Shenandoah Junction$440K Charles Town$396K Harpers Ferry$390K Kearneysville$376K Gerrardstown$332K Hedgesville$326K

Full Charleston, WV analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Charleston, WV metro.

View Charleston, WV metro →

CLAY, WV