Cost of Living in Clay County, Georgia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Clay County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Clay County, Georgia
Clay County's housing is a national bargain
With a rent-to-income ratio of just 14.2%, Clay County residents spend barely one-seventh of earnings on rent—well below the U.S. average of roughly 21%. At $578 monthly rent, this is one of Georgia's most affordable rental markets.
Georgia's most renter-friendly county
Clay County's 14.2% rent-to-income ratio is Georgia's best, nearly 4.4 percentage points below the state average of 18.6%. Median rent of just $578 undercuts the state average by $349, making this rural southwest Georgia county unmatched for affordability.
Clay: the regional affordability champion
At $578 monthly, Clay rents run the lowest in this eight-county comparison—well below Clinch ($505) but with stronger income at $48,715. The $92,500 median home value ranks among the region's most accessible, pairing low rents with low home prices.
Modest means, minimal housing burden
Renters allocate just 14.2% of income to rent, leaving nearly 86% for all other expenses and savings. Homeowners dedicate 16.1% to ownership costs, so both renters and buyers enjoy genuine affordability relief here.
Clay County: affordability reimagined
If stretching housing dollars matters most, Clay County delivers unmatched value in Georgia—the lowest rent-to-income ratio in this region. Trade-offs include rural isolation and limited job diversity, but housing security here is Georgia's best-kept secret.
Affordability Calculator
See how your income compares to housing costs in Clay County
Rent Burden
14.2%
of gross income
Max Housing (28% Rule)
$1,137
per month
Owner Cost Burden
16.1%
of gross income
You can likely afford the median home in Clay County
Median home value is $92,500. Estimated monthly cost: $738 vs. your max of $1,137.
Rent Affordability Guide
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.