Clay County, West Virginia home prices
Typical home $120,944 · -0.4% in a year · property tax 0.35%
The typical home in Clay County is worth $120,944, 32% less than the West Virginia typical home ($176,576). Values changed -0.4% in the past year and +9.1% over five years. Homeowners here pay a median 0.35% of their home's value in property tax each year ($418 on the typical home), versus 0.51% 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 | $24,189 | $96,755 | $651 | $0 | $95 | $746 | $32,000 |
| 10% down | $12,094 | $108,850 | $732 | $45 | $95 | $873 | $37,400 |
| 5% down | $6,047 | $114,897 | $773 | $48 | $95 | $916 | $39,300 |
| 3.5% down (FHA) | $4,233 | $118,753 | $799 | $53 | $95 | $948 | $40,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.35% 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 West Virginia · part of the Charleston metro area.
West Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Gilmer County | $118,423 | +6.6% | 0.49% |
| Barbour County | $124,357 | -0.4% | 0.43% |
| Ritchie County | $116,307 | -3.9% | 0.66% |
| Roane County | $126,181 | +4.4% | 0.44% |
| Tyler County | $113,494 | +0.3% | 0.57% |
| Brooke County | $128,596 | -0.8% | 0.53% |
| Lewis County | $128,840 | -2.7% | 0.46% |
| Wetzel County | $112,058 | +1.7% | 0.67% |
| Logan County | $107,969 | +2.9% | 0.56% |
| Wirt County | $107,854 | -4.9% | 0.52% |
Frequently asked questions
What is the average home price in Clay County, WV?
The typical home value in Clay County is $120,944 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clay County?
About $32,000 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 0.35% of home value a year (Census ACS 2024 5-year estimates).