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Learn about the people, housing, costs and businesses in Clay, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Clay.
True all-in cost — P&I, taxes, insurance & utilities for homes in Clay.
Find and compare lenders active near Clay.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Clay.
Seismic risk and earthquake insurance estimates for Clay.
Wildfire exposure and insurance estimates for Clay.
As of today, the 30-year fixed mortgage rate for Clay is approximately 6.986% (7.028% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ClayThe median home value in Clay is $149k. The median monthly rent is $728. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Clay have increased 8.0% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $676/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $29k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Clay is $75k/year.
Calculate your buying powerThe largest employment sectors in Clay are public administration (29%) and information and media (8%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.