Clay, KY housing market
The typical Clay home is worth about $137,000, down 13.8% in a year, 41% below the Kentucky typical home.
Home values, sales, trends and how Clay compares with the towns next door — updated as new data is published.
Clay at a glance
Typical home value, 2016–2026
Show as a table
| January | Clay | Kentucky |
|---|---|---|
| 2017 | $83,000 | $131,000 |
| 2018 | $88,000 | $138,000 |
| 2019 | $92,000 | $146,000 |
| 2020 | $95,000 | $155,000 |
| 2021 | $113,000 | $173,000 |
| 2022 | $132,000 | $191,000 |
| 2023 | $150,000 | $207,000 |
| 2024 | $156,000 | $216,000 |
| 2025 | $168,000 | $229,000 |
| 2026 | $142,000 | $233,000 |
| August 2026 | $137,000 | $233,000 |
5.8 years of income
The typical Clay home costs about 5.8 years of the town's median household income, more than across Kentucky (3.7 years).
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,050
HUD's Fair Market Rent for a two-bedroom in Clay is $1,050 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Clay pay a median of $666, so moving in tends to cost more than staying put. A two-bedroom takes about 53% of the town's median household income, above the 30% guideline for affordable housing.
Studio $720 · 4 bedrooms $1,610
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (40312; Lexington-Fayette, KY MSA), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.