Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$120,944−0.4% YoY · prices are flat
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 0% have cut their price
Income needed to buy, per year$26,218About 0.5× the local median income ($48,528): affordable for a typical household
Days on market73 daysFaster than a year ago: sellers have the edge
Next 12 months+2.4%Zillow expects prices to rise slightly
The typical home in Clay County, WV is worth $120,944, about the same as a year ago. That is slightly below what local incomes have historically supported: fair value is about $133,706, so the area is 9.5% undervalued. It is a balanced market, leaning toward sellers: homes take about 73 days to sell, listings are down 7% from a year ago, 0% of listings have had a price cut. Zillow expects prices to rise about 2.4% over the next year. A household needs about $26,218 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 $48,528. In the latest IRS figures, 32 more people moved in than out.
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
$120,944
Change in 1 year
−0.4%
Overvalued %
−9.5%
Show 7 more
Fair home value
$133,706
Change in 5 years
+9.1%
Zillow forecast, next 12 months
+2.4%
Home value to income
2.5×
Monthly mortgage payment (20% down)
$655
Income needed to afford it
$26,218
Property tax rate
0.35%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,048
Market activity
Listings vs a year ago
−7.1%
Days on market
73
Listings with a price cut
0.0%
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Homes for sale
13
Pending sales per 100 listings
46
Asking price per sq ft
$143
People and jobs
Median household income
$48,528
Population change (1 year)
−2.0%
Unemployment rate
11.9%
Show 4 more
Population
7,538
Income adjusted for cost of living
$54,710
Net moves in (IRS)
+32
Cost of living (US = 100)
88.7
Schools, risk and environment
School rating (1 to 10)
3.7
FEMA hazard risk score (0 to 100)
22.3
Flood risk score
53.5
Show 3 more
Wildfire risk score
28.0
Walkability (1 to 20)
3.4
Road, rail and air noise
52 dB
Questions people ask
Is Clay County, WV overvalued?
Home prices in Clay County, WV are slightly below what local incomes have historically supported: fair value is about $133,706, so the area is 9.5% undervalued.
Is Clay County, WV a buyer's or seller's market?
Clay County, WV is a balanced market, leaning toward sellers: homes take about 73 days to sell, listings are down 7% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Clay County, WV?
Home values in Clay County, WV are down 0.4% over the last year. Zillow's forecast for the next 12 months is +2.4%.
How much do you need to earn to buy a home in Clay County, WV?
A household needs about $26,218 a year to afford the typical home in Clay County, WV at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $48,528.