Cost of Living in Clay County, Texas
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, Texas
Clay County offers exceptional housing relief
Clay County's rent-to-income ratio of 12.8% ranks among the lowest in our analysis, sitting 2.2 percentage points below the national average and 5.3 points below Texas's 18.1% state benchmark. Residents here enjoy some of the nation's healthiest housing cost burdens despite managing median rents of $825 monthly.
A Texas affordability leader
Clay County ranks among Texas's most affordable counties with a 12.8% rent-to-income ratio—a full 5.3 percentage points below state average. This exceptional positioning makes the county one of the best places in Texas for housing affordability across all income levels.
Comparison: Clay County's advantage
Clay County's $825 median rent runs $138 below the state average, while its $77,355 median household income outpaces most rural Panhandle neighbors like Childress ($60,333) and Cochran ($42,137). This combination of strong local incomes and moderate rents creates exceptional affordability.
Robust finances, lean housing costs
Renters in Clay County dedicate just $825 monthly from a $77,355 household income, investing only 12.8% in rent—among the lowest ratios in the region. Homeowners pay $872 toward a median home value of $161,300, creating manageable total housing burdens across both renter and owner households.
Clay County: Texas affordability gem
For families prioritizing housing affordability without sacrificing reasonable local wages, Clay County delivers exceptional value in the Texas Panhandle region. The county's 12.8% housing burden and strong household incomes leave substantial room for savings and life quality beyond housing.
Affordability Calculator
See how your income compares to housing costs in Clay County
Rent Burden
12.8%
of gross income
Max Housing (28% Rule)
$1,805
per month
Owner Cost Burden
13.5%
of gross income
You can likely afford the median home in Clay County
Median home value is $161,300. Estimated monthly cost: $1,288 vs. your max of $1,805.
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.