Clay County, Nebraska home prices
Typical home $180,934 · +6.0% in a year · property tax 1.2%
The typical home in Clay County is worth $180,934, 35% less than the Nebraska typical home ($278,299). Values changed +6.0% in the past year and +38.2% over five years. Homeowners here pay a median 1.2% of their home's value in property tax each year ($2,174 on the typical home), versus 1.31% 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 | $36,187 | $144,747 | $974 | $0 | $272 | $1,245 | $53,400 |
| 10% down | $18,093 | $162,841 | $1,095 | $68 | $272 | $1,435 | $61,500 |
| 5% down | $9,047 | $171,887 | $1,156 | $72 | $272 | $1,500 | $64,300 |
| 3.5% down (FHA) | $6,333 | $177,657 | $1,195 | $80 | $272 | $1,547 | $66,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.2% 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 Nebraska.
Nebraska counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Red Willow County | $181,358 | +1.5% | 1.18% |
| Holt County | $181,816 | +8.8% | 1.11% |
| Fillmore County | $180,015 | +5.8% | 0.99% |
| Valley County | $179,973 | +2.6% | 1.32% |
| Box Butte County | $179,655 | +3.1% | 1.51% |
| Thomas County | $182,513 | -5.7% | 1.25% |
| Custer County | $179,132 | +8.1% | 1.16% |
| Nemaha County | $183,504 | +5.5% | 1.44% |
| Logan County | $175,598 | +3.8% | 0.98% |
| Garden County | $175,060 | +2.1% | 1.01% |
Frequently asked questions
What is the average home price in Clay County, NE?
The typical home value in Clay County is $180,934 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clay County?
About $53,400 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 1.2% of home value a year (Census ACS 2024 5-year estimates).