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Cost of Living in Clay County, TX

Population 10,495 · Census ACS 2020–2024 5-year estimates

Median rent$811
Median home value$171,500
Median household income$80,114

The median rent in Clay County, TX is $811/month, 42% lower than the Texas median and 43% lower than the U.S. median. The median home value is $171,500, 48% lower than the national median. Households earn a median of $80,114 a year, 2% higher than the state median.

Affordability

Rent as a share of median income: 12.1%
Income needed for median rent (30% rule): $32,440/yr
Home price-to-income ratio: 2.1×
Est. mortgage on the median home (20% down, 6.5% for 30 yrs, principal + interest): $867/mo

Run your own numbers: mortgage calculator · hourly to salary

Clay County vs. Texas vs. U.S.

Clay CountyTexasU.S.
Median rent$811$1,403$1,413
Median home value$171,500$283,800$332,700
Median household income$80,114$78,476$80,734
Homeownership rate84.0%62.6%65.2%
Bachelor's degree or higher22.4%33.8%35.7%
Poverty rate8.4%13.8%12.5%
Unemployment rate2.0%5.3%5.2%
Work from home7.2%14.4%15.1%
Median age47.535.638.9

FAQ

What is the average rent in Clay County, TX?

The median gross rent in Clay County, TX is $811 per month (ACS 2020–2024 5-year estimate).

How much do I need to earn to live in Clay County, TX?

Using the common 30% rule, renting a median-priced home takes about $32,440 a year in gross income.

Is Clay County, TX expensive to live in?

Rent there is 43% lower than the U.S. median, and the median home costs about 2.1 times the median household income.

Other counties in Texas

Harris County, TXRent $1,401 · Income $74,983Dallas County, TXRent $1,565 · Income $76,547Tarrant County, TXRent $1,547 · Income $84,207Bexar County, TXRent $1,354 · Income $72,341Travis County, TXRent $1,744 · Income $99,611Collin County, TXRent $1,859 · Income $121,600

Counties with a similar cost of living

Washington County, ILRent $818 · Income $78,224Carbon County, MTRent $844 · Income $80,261Jefferson County, KSRent $835 · Income $81,278Jersey County, ILRent $846 · Income $80,361Henry County, OHRent $849 · Income $80,099Wabasha County, MNRent $830 · Income $82,007

Source: U.S. Census Bureau, American Community Survey 5-year estimates. Estimates have margins of error, especially for smaller places. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

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