Clay County housing scorecard.
As of 2026-09-24, in Clay County, the typical home is worth $174,002; up about 2.6% a year over five years; the Momentum Market Score is 45/100 (neither side has a clear edge right now); the market looks about 6% undervalued. Data from Zillow, Realtor.com, the U.S. Census and Citizens Property Insurance; scores by Momentum Realty.
Everything the paid data sites charge for, free and built for Georgia: home value, rent, cap rate, 5-year growth, price versus incomes, overvaluation and our 0 to 100 Momentum Market Score.
At about 3.57 times the local median income, prices sit close to the Georgia norm. Values are up roughly 2.6% a year over the last five years. Owning the typical home at today's 6.95% 30-year rate takes about 22.7% of a median income in principal and interest, the affordability squeeze in one number. About 21.4% of listings have cut their price.
Clay County housing market, in one paragraph
As of 2026-09-24, in Clay County, the typical home is worth $174,002; up about 2.6% a year over five years; the Momentum Market Score is 45/100 (neither side has a clear edge right now); the market looks about 6% undervalued. Data from Zillow, Realtor.com, the U.S. Census and Citizens Property Insurance; scores by Momentum Realty.
Typical home value, last 13 months
Ten years ago the typical home here was about $115,746; today it is $174,002.
Quick answers: is now a good time to buy in Clay County, is it overvalued, and more.
Run the numbers for Clay County: true monthly cost · rental underwrite · insurance check · property tax · compare vs another county.
What drives the score
Each bar is this county ranked against every other Georgia county (0 = lowest, 100 = highest) on that input, then weighted into the score. Higher overall = more buyer value and leverage. See the full methodology.
Momentum scores for Clay
Three composite reads, each built from the labeled components below it (0 = lowest in Georgia, 100 = highest). Every input is public and the formula is published, unlike the paywalled black-box versions elsewhere.
10-year upside from appreciation, incomes, demographics, affordability and valuation.
Rental-investor attractiveness from yield, rent growth, appreciation, demographics and valuation.
Near-term price direction signal from recent appreciation, days on market, inventory and price cuts. A momentum read, not a guaranteed forecast.
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Free housing data from Momentum Realty · Zillow, Realtor.com, Census & FRED sources.
Housing stock and economy in Clay
Housing tenure, vacancy, financing, education and remote work. Source: U.S. Census Bureau, American Community Survey 5-Year. These figures describe the housing stock and economy of an area, not its residents. Momentum Realty does not steer buyers or sellers and complies fully with the Fair Housing Act.
ZIP-level scorecards in Clay County
Zoom in from the county to any ZIP for its own home value, cap rate, overvaluation and buyer-value score (1 scored ZIP codes, highest score first):
Go deeper
Neighborhood-level view: Clay neighborhood market pulse. Compare nearby counties:
Common questions
Is Clay County a buyer's or seller's market?
By our Momentum Market Score, Clay County reads balanced (45 out of 100), meaning it is neither side has a clear edge right now. The score blends value versus local incomes, price cuts, inventory growth, affordability and rent yield.
How much is a home worth in Clay County?
The typical home value is $174,002 (Zillow Home Value Index, 2026-09-24), up about 2.6% a year over the last five years.
Is Clay County housing overvalued or undervalued?
On price versus the local long-term trend and incomes, Clay County looks about 6% undervalued, with a price-to-income ratio of 3.57x. Overvaluation compares the current typical value to its own historical relationship with local income, not to other markets.
How much is homeowners insurance in Clay County?
Insurance costs in Clay County vary widely by home. Citizens is Georgia's insurer of last resort, so its county average is a realistic floor; private quotes vary by roof age, elevation and flood zone. Insurance is now one of the largest line items in a Georgia housing budget.
Is Clay County a good place to invest in rental property?
Rental math in Clay County depends on the specific property. Run the full numbers, including taxes and insurance, in our Georgia investment property calculator.
Where does this data come from?
Home values and rent are from Zillow Research, days on market and listings from Realtor.com, income and population from the U.S. Census, mortgage rates from Freddie Mac via FRED, and insurance from Citizens Property Insurance. Derived metrics and the Momentum Market Score are computed by Momentum Realty with a published methodology.
Data: Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census Bureau ACS (income, population), and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED (rate). Momentum Market Score and derived metrics computed by Momentum Realty.
Thinking about Clay County?
A score is the 30,000-foot view. We live here. Talk to the founders about what the number means for a specific neighborhood, street, or budget.
Talk to the founders