Cost of Living in Clay County, Illinois
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, Illinois
Clay County rents stretch thin incomes
At 14.9% of income devoted to rent, Clay County ranks slightly above the Illinois average and reflects tight household finances. The $57,266 median income—more than 23% below the national median—makes even modest $709 rents feel substantial for working families.
Below-average income limits affordability gains
Clay County's 14.9% rent-to-income ratio edges above the state average of 14.7%, but its struggle stems from below-average incomes rather than high rents. At $709 per month, the median rent ranks among Illinois's lowest, yet households earning only $57,266 still feel the squeeze.
Cheapest rents, but smallest incomes too
Clay County's $709 rent ranks lowest among central Illinois peers, yet its $57,266 income also trails neighbors like Clark ($70,625) and Cass ($64,907). This income disadvantage erodes the county's rent advantage, making it a trade-off between cost and earning potential.
Homeownership offers slight relief here
Renters spend $709 monthly while homeowners pay $734—a modest difference reflecting the county's overall affordability. The $94,300 median home value keeps ownership accessible, though the low median income means most households carry tight housing budgets regardless of tenure.
Clay County suits income-flexible relocators
Consider Clay County if you can afford lower incomes—it offers the state's cheapest rents at $709 and a 14.9% burden. But compare it against better-paying neighbors like Clark County before moving; a higher salary in a neighboring county may leave you better off financially despite slightly higher rents.
Affordability Calculator
See how your income compares to housing costs in Clay County
Rent Burden
14.9%
of gross income
Max Housing (28% Rule)
$1,336
per month
Owner Cost Burden
15.4%
of gross income
You can likely afford the median home in Clay County
Median home value is $94,300. Estimated monthly cost: $753 vs. your max of $1,336.
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.