Cost of Living in Clay County, Missouri
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, Missouri
Clay's premium costs exceed national norms
Clay County renters face a 17.0% rent-to-income ratio, slightly above the national average near 16%, while median rent of $1,220 ranks among Missouri's highest. With a median household income of $86,150—about 15% above the national median—Clay's premium housing reflects the county's position as a prosperous Kansas City suburb.
Kansas City's priciest county housing market
Clay County's $1,220 median rent significantly exceeds Missouri's $768 state average, while its 17.0% rent-to-income ratio surpasses the state's 15.6%. Clay stands out as Missouri's most expensive county for renters, though higher incomes partially offset these elevated costs.
Most expensive suburban option in region
Clay County commands the highest median rent ($1,220) among all surveyed counties, exceeding neighboring Cass County's $1,147 and Christian County's $979. Its median home value of $256,400 similarly ranks among the highest, positioning Clay as the region's premium residential destination.
Highest costs, highest incomes collide
On a median household income of $86,150, Clay County residents allocate $1,220 monthly to rent (17.0%) or $1,367 to mortgage payments. While these absolute costs are the region's highest, they consume less than one-fifth of income, reflecting Clay's affluent demographic.
Clay for Kansas City's top earners
Clay County suits households earning $85,000 or more, particularly those prioritizing premium suburban schools and proximity to Kansas City's employment core. Compare Clay's $1,220 rent against your household income—it's an excellent fit for dual-earner professional families seeking Missouri's most affluent suburbs.
Affordability Calculator
See how your income compares to housing costs in Clay County
Rent Burden
17.0%
of gross income
Max Housing (28% Rule)
$2,010
per month
Owner Cost Burden
19.0%
of gross income
The median home in Clay County may be a stretch
Median home value is $256,400. Estimated monthly cost: $2,047 vs. your max of $2,010.
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.