Real Estate Price Maphome prices by county

Clay County, NC home prices

Clay County, NC: the typical home is worth $345,538 as of 2026-05, down -0.9% over the past year and +258.6% since 2000. Listings run about $235/sq ft…

Data as of · by the Real Estate Price Map data team · methodology & sources

Clay County is flat and overvalued — a stretch for what people here earn.

Momentum-0.9%Flat
Valuation+72%High bubble risk
Affordability5/10Stretched
Market68 daysBalanced

Real Estate Price Map scores, derived from the data on this page · how we calculate them

1997: $81,983 → 2026: $345,538 (4.2×) pre-2000 estimated via FHFA index

Typical value$345,5382026-05
1-year-0.9%
5-year+34.2%
10-year+104.1%
Since 2000+258.6%
Population12k2024
Median income$53,2292023 · 6.5× income
New homes/yr1432024
Price / sq ft$235listings
Days on market682026-06
Active listings1722026-06
Price cuts14%of listings

Market read

At $345,538, homes in Clay County sit 25% above the North Carolina median ($275,414) and 48% above the US median ($233,954). That ranks #29 of 100 North Carolina counties by price.

Prices are holding steady (-0.9% in the last year) — a balanced market.

Homes here take a while to sell — a median 68 days on the market, with 14% of listings cutting their asking price.

At 6.5× local income, that's pricier than the typical US county (~3.8×).

Against the typical US price-to-income and price-to-rent, homes here look ~72% expensive for local incomes and rents.

Home value history

Zillow ZHVI, monthly from 2000 · recessions shaded. See the full 1975 history on the interactive map →

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Nearby counties

Towns County, GA ($400,447) · Cherokee County, NC ($274,117) · Macon County, NC ($363,712) · Union County, GA ($383,194) · Graham County, NC ($226,064) · Rabun County, GA ($407,940)

Frequently asked questions

What is the average home price in Clay County, NC?
The typical home in Clay County is worth $345,538 as of 2026-05, based on the Zillow Home Value Index.
Are home prices in Clay County rising or falling?
Prices are down -0.9% over the past year and +258.6% since 2000 — a balanced market.
Is Clay County affordable?
At 6.5× the local median income of $53,229, Clay County is pricier than the typical US county.
How fast do homes sell in Clay County?
Homes here take a median of 68 days to sell, with 14% of listings cutting their asking price.
Median home value by year
YearMedian home value
2000$96,347
2001$104,830
2002$107,585
2003$113,878
2004$116,014
2005$124,859
2006$148,200
2007$162,918
2008$171,195
2009$170,256
2010$161,138
2011$155,101
2012$146,900
2013$148,542
2014$149,223
2015$156,563
2016$166,752
2017$174,260
2018$179,820
2019$192,200
2020$200,470
2021$235,261
2022$282,678
2023$318,890
2024$336,779
2025$348,022
2026$344,684