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Learn about the people, housing, costs and businesses in Clay Joint, California
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Clay Joint.
True all-in cost — P&I, taxes, insurance & utilities for homes in Clay Joint.
Find and compare lenders active near Clay Joint.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Clay Joint.
Seismic risk and earthquake insurance estimates for Clay Joint.
Wildfire exposure and insurance estimates for Clay Joint.
As of today, the 30-year fixed mortgage rate for Clay Joint is approximately 6.922% (6.959% 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 Clay JointThe median home value in Clay Joint is $454k. The median monthly rent is $1,149. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Clay Joint have increased 23.5% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,343/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $58k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Clay Joint is $81k/year.
Calculate your buying powerThe largest employment sectors in Clay Joint are public administration (28%) and retail (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.