Clay County, Kansas home prices
Typical home $170,455 · +7.6% in a year · property tax 1.32%
The typical home in Clay County is worth $170,455, 31% less than the Kansas typical home ($246,055). Values changed +7.6% in the past year and +29.9% over five years. Homeowners here pay a median 1.32% of their home's value in property tax each year ($2,247 on the typical home), versus 1.24% 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 | $34,091 | $136,364 | $917 | $0 | $272 | $1,190 | $51,000 |
| 10% down | $17,045 | $153,409 | $1,032 | $64 | $272 | $1,368 | $58,600 |
| 5% down | $8,523 | $161,932 | $1,089 | $67 | $272 | $1,429 | $61,300 |
| 3.5% down (FHA) | $5,966 | $167,367 | $1,126 | $75 | $272 | $1,474 | $63,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.32% 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 Kansas.
Kansas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Doniphan County | $171,952 | +10.5% | 1.07% |
| Kingman County | $173,003 | +0.4% | 1.74% |
| Dickinson County | $167,372 | +2.6% | 1.47% |
| Haskell County | $173,585 | -2.6% | 1.45% |
| Cheyenne County | $166,502 | +8.6% | 1.3% |
| Ottawa County | $176,212 | +7.3% | 1.66% |
| Chase County | $164,690 | +3.9% | 1.37% |
| Thomas County | $176,313 | +1.5% | 1.41% |
| Stevens County | $164,384 | +5.3% | 1.88% |
| Marshall County | $163,544 | +8.9% | 1.23% |
Frequently asked questions
What is the average home price in Clay County, KS?
The typical home value in Clay County is $170,455 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clay County?
About $51,000 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 1.32% of home value a year (Census ACS 2024 5-year estimates).