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)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Clay County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Clay County ranks #233 of 3,142 counties for affordability (top 7%)
Sourced county brief
Median Gross Rent in Clay County Recorded at $536 Monthly
Median gross rent in Clay County was $536 per month during the 2020-2024 period, which is $429 below the Georgia unweighted county mean of $965. The official ACS B25071 median gross rent as a percentage of household income (GRAPI) was 26.5% for the same interval. This rent-to-income percentage was 2.1 percentage points lower than the state unweighted county mean of 28.6%. For homeowners, the median home value was estimated at $94,400, while median selected monthly owner costs were $656. Both figures are below the Georgia unweighted county means of $197,933 for value and $905 for costs. Renter households in the county had a median income of $31,676. These housing-cost statistics are derived from the latest American Community Survey 5-Year Estimates. See ACS table B25064 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Clay County
Affordability Verdict
ACS B25071 estimates median gross rent at 26.5% of renter household income in Clay County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $536 per month; median selected monthly owner costs are $656. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $21,440 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Georgia unweighted mean of county median rents is $965 per month. Clay County's $536 median is 44.5% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Clay County
Rent Burden
13.1%
of gross income
Max Housing (28% Rule)
$1,147
per month
Owner Cost Burden
16.0%
of gross income
You can likely afford the median home in Clay County
Median home value is $94,400. Estimated monthly cost: $754 vs. your max of $1,147.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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