Clay County, IL

Comprehensive housing, income, and cost of living data for Clay County, Illinois. Population: 13.2K.

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Median Home Price

$110.9K

Based on 6 cities

Median Household Income

$57.3K

Annual household income

Price-to-Income Ratio

1.9x

Highly affordable

Salary Needed to Buy

$31.5K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax

$1,523

Average annual amount

Effective Tax Rate

1.37%

Property tax / home value

Monthly Housing Costs

Mortgage (P&I)$561

Property Tax$127

Insurance$46.22

Total Monthly$734

Historical Home Prices

2015

$74.5K

2016

$77.4K

+4.0%%

2017

$75.9K

-2.0%%

2018

$75.6K

-0.3%%

2019

$82.1K

+8.6%%

2020

$90.0K

+9.7%%

2021

$92.4K

+2.6%%

2022

$89.9K

-2.7%%

2023

$95.5K

+6.3%%

2024

$97.8K

+2.3%%

2025

$101.7K

+4.1%%

Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate

4.4%%

Near national average

Population Density

People per square mile

Political Lean (2020)

Competitive

R+1

Racial Demographics

White

95%

Black

0.7%

Hispanic

0.7%

Asian

0.3%

Two or More Races

2.9%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature

55°F

Annual average

Sunny Days

156

Days per year

Annual Rainfall

45.9"

Inches per year

Natural Disaster Risk

Moderate Risk

Score: 41/100

January Low

10°F

Average winter low

July High

78°F

Average summer high

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