Cost of Living in Clay County, Nebraska
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, Nebraska
Clay County offers genuine housing relief
Clay County residents spend just 11.1% of income on rent, one of the most favorable ratios in Nebraska and well below both the state average of 14.2% and national norms. With median household income of $75,938—slightly above the national median of $74,755—and rent of just $701 monthly, this county delivers real affordability.
Nebraska's most affordable rental market
Clay County ranks among Nebraska's best housing buys, with its 11.1% rent-to-income ratio placing it near the top of the state's affordability rankings. The combination of low rents and solid incomes makes this an exceptionally accessible housing market.
Lowest rents in the region
Clay County's median rent of $701 is the lowest among comparable nearby counties—significantly cheaper than Cheyenne ($912), Colfax ($902), and Cuming ($800). This price advantage compounds when viewed against Clay's strong median income of $75,938.
Rent and ownership both manageable
Monthly rent of $701 consumes just 11.1% of the median income, while homeownership costs $766—both modest burdens on the $75,938 median household income. At a median home value of $146,300, Clay County offers accessible paths to both renting and buying.
An affordable Nebraska destination
If housing affordability matters to your relocation decision, Clay County delivers. The combination of low rents, fair homeownership costs, and solid local incomes makes this one of Nebraska's most accessible places to live.
Affordability Calculator
See how your income compares to housing costs in Clay County
Rent Burden
11.1%
of gross income
Max Housing (28% Rule)
$1,772
per month
Owner Cost Burden
12.1%
of gross income
You can likely afford the median home in Clay County
Median home value is $146,300. Estimated monthly cost: $1,168 vs. your max of $1,772.
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.