Clay County, Georgia home prices
Typical home $161,975 · +7.2% in a year · property tax 0.99%
The typical home in Clay County is worth $161,975, 51% less than the Georgia typical home ($329,115). Values changed +7.2% in the past year and +13.2% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($1,608 on the typical home), versus 0.77% statewide.
Mortgage on the typical Clay County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,395 | $129,580 | $872 | $0 | $215 | $1,087 | $46,600 |
| 10% down | $16,197 | $145,777 | $981 | $61 | $215 | $1,256 | $53,800 |
| 5% down | $8,099 | $153,876 | $1,035 | $64 | $215 | $1,314 | $56,300 |
| 3.5% down (FHA) | $5,669 | $159,041 | $1,070 | $72 | $215 | $1,356 | $58,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Georgia.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Miller County | $159,989 | +5.1% | 1.29% |
| Wilkes County | $164,586 | +7.0% | 1.05% |
| Bacon County | $159,283 | +6.9% | 1.13% |
| Webster County | $159,107 | +8.1% | 1.12% |
| Colquitt County | $165,756 | +6.3% | 0.84% |
| Appling County | $156,534 | +5.7% | 0.94% |
| Dodge County | $155,734 | +14.2% | 0.87% |
| Echols County | $168,349 | +4.0% | 0.91% |
| Jenkins County | $155,166 | +0.3% | 0.86% |
| Cook County | $168,973 | +6.9% | 0.78% |
Frequently asked questions
What is the average home price in Clay County, GA?
The typical home value in Clay County is $161,975 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clay County?
About $46,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clay County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).