Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$180,934+6.0% YoY · prices are rising fast
Market right nowSeller's marketMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$39,223About 0.5× the local median income ($83,266): affordable for a typical household
Days on market72 daysFaster than a year ago: sellers have the edge
The typical home in Clay County, NE is worth $180,934, up 6.0% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $175,317, so the area is 3.2% overvalued. It is a seller's market: homes take about 72 days to sell, listings are up 10% from a year ago, 11% of listings have had a price cut. A household needs about $39,223 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $83,266. In the latest IRS figures, 27 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$180,934
Change in 1 year
+6.0%
Overvalued %
+3.2%
Show 6 more
Fair home value
$175,317
Change in 5 years
+38.2%
Home value to income
2.2×
Monthly mortgage payment (20% down)
$981
Income needed to afford it
$39,223
Property tax rate
1.20%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+10.0%
Days on market
72
Listings with a price cut
11.1%
Show 3 more
Homes for sale
22
Pending sales per 100 listings
45
Asking price per sq ft
$120
People and jobs
Median household income
$83,266
Population change (1 year)
+0.9%
Unemployment rate
1.9%
Show 4 more
Population
6,170
Income adjusted for cost of living
$96,484
Net moves in (IRS)
−27
Cost of living (US = 100)
86.3
Schools, risk and environment
School rating (1 to 10)
5.8
FEMA hazard risk score (0 to 100)
56.0
Flood risk score
15.2
Show 3 more
Wildfire risk score
59.5
Walkability (1 to 20)
6.2
Road, rail and air noise
51 dB
Questions people ask
Is Clay County, NE overvalued?
Home prices in Clay County, NE are slightly above what local incomes have historically supported: fair value is about $175,317, so the area is 3.2% overvalued.
Is Clay County, NE a buyer's or seller's market?
Clay County, NE is a seller's market: homes take about 72 days to sell, listings are up 10% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Clay County, NE?
Home values in Clay County, NE are up 6.0% over the last year.
How much do you need to earn to buy a home in Clay County, NE?
A household needs about $39,223 a year to afford the typical home in Clay County, NE at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $83,266.