← Map/← Alabama/Counties/Clay

Clay
Alabama

14K

Population

$48K

Median Income

$177K

Median Home

R+63

Politics

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What stands out

If you had to describe Clay County in numbers, start here: the property tax rate is among the lowest in America (0.24%), the restaurant count per person is in the bottom 4% of American counties (0.3 per 1,000), and rainfall is in the top 5% of American counties (57 inches a year). Within Alabama it ranks 5th of 67 counties for the property tax rate, counting from the bottom.

Where you are

You live in Clay County, Alabama. 14,209 people live here with you. The population shrank 0.5% last year, and more Americans moved in than out (net +2).

Alabama's property taxes are among the lowest in the country because assessments are capped at a fraction of market value, but the state makes it up with one of the highest combined sales-tax rates, and groceries are taxed. Huntsville's aerospace and defense payroll sets it apart from the rest of the state; the Gulf coast around Mobile and Baldwin County carries real hurricane exposure and insurance costs to match.

Money

The typical household here brings in $48,074 a year, lower than 82% of American counties. Employers pay an average wage of $44,540. Unemployment runs 2.3%, lower than 90% of American counties. 5% of workers work from home.

Alabama takes 4.9% of that median income in state income tax, about $2,364 a year.

Home

The median home costs $182K, cheaper than 71% of American counties, about 2.4 years of the median household's income. A two-bedroom rents for around $591 a month. Property tax is 0.24% of home value, roughly $343 a year on that median home, lower than almost every county in America. 78% of households own rather than rent.

Safety and health

Violent crime here is 4.5 per 1,000 residents, higher than 82% of American counties. Drug overdoses killed 19 people per 100,000 in 2024.

A child born here can expect to live 71.8 years, shorter than 89% of American counties. There are 7 active physicians in the county, about 4.9 per 10,000 people. 10.9% of people under 65 have no health insurance.

School

Local students test at grade level 2.66 where 3.0 is national grade level, lower than 93% of American counties. 83% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 63 points, among the most lopsided counties in the country. 66% of eligible voters turned out. Under Alabama law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is medical only.

Weather and risk

The year averages 62°F, highs near 74 and lows near 50, warmer than 74% of American counties. About 57 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 22 out of 100, safer than 78% of American counties; the county has had 24 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 101 Mbps down, slower than 87% of American counties. There is 1 airport in the county, counting general aviation. For a night or a weekend out: 0.3 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$48K
This county
national avg ~$75K
Poverty Rate17.0%
This county
national avg ~11.5%
Unemployment Rate2.3%
This county
national avg ~3.8%
GDP per Capita$38,402
Federal Spending per Capita$278
Median Individual Earnings$40K
This county
national avg $45K
Professional/Management Workers33.5%
Average Adjusted Gross Income$57K
Avg Credit Score650
Work From Home %4.9%
This county
national avg 17.0%
Population Under 1820.5%
This county
national avg 22.0%
Single-Person Households26.1%
This county
national avg 28.0%
Banks & Finance Firms5
Income (20th Percentile)$19K
Income (80th Percentile)$106K
Income (95th Percentile)$165K
Bachelor's Degree or Higher12.8%
This county
national avg 34.3%
Less Than High School16.7%
This county
national avg 11.0%
Knowledge Economy GDP %1.3%
Dependency Ratio0.70
Medicare Spending / Person$3,571
SS Benefits / Person$4,753
Education Wage Premium1.74x
Median Earnings (Bachelor's)$59K
Median Earnings (Graduate)$59K
Median Earnings (HS Diploma)$34K
Public Assistance Recipients4.4%
Average Annual Wage$45K
Professional Services Concentration0.13x national
This county
1.0 = national average share
Federal Government Jobs Located Here40
Federal Share of Jobs Located Here0.9%
Residents Who Work for the Federal Government1.9%
Federal Civilian Share of Earnings1.3%
Federal Contract Dollars Performed Here (FY2025)$335,233
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars93%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$177K
This county
$218K state avg
$303K national
Market Rent (ZORI)$576/mo
This county
$1050/mo state avg
$1400/mo national
Property Tax Rate0.24%
This county
0.39% state avg
1.10% national

Annual tax on median home: $343

Affordability & Supply

HUD Fair Market Rent (2BR)$776/mo
Home Price Change (1 yr)+26.6%++10.2% since 2024
Home Value to Income Ratio2.4x income
Severely Cost-Burdened Households7.1%
Homeownership Rate78.3%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
20.2%
Active Listings
31

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage
197 days
Months of Supply (Redfin)— High inventory — buyers market
26.0 mo
Sold Above List (Redfin)
0.0%
Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list
95.0%

Source: Redfin · Updated monthly

Health

Life Expectancy71.8 yrs
This county
national avg ~78.5 years
Food Insecurity15.0%
This county
national avg ~11%
Food Environment Index7.4 / 10
This county
higher = better access
Primary Care Shortage Score11
This county
national avg 5
Mental Health Shortage Score19
Dental Care Shortage Score18
Healthcare Shortage Score16.0
Healthcare Offices10
Obesity Rate (BRFSS)42.4%
This county
national avg 32.0%
Smoking Rate (BRFSS)18.7%
This county
national avg 14.0%
Poor Health Rate (BRFSS)24.8%
This county
national avg 18.0%
Physical Inactivity (BRFSS)30.5%
This county
national avg 24.0%
High Blood Pressure (BRFSS)40.6%
This county
national avg 32.0%
Active Physicians7
Nursing Home Rating4.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients611 / 1,000
Medicare Cost per Beneficiary$11,440
Uninsured (under 65)10.9%
This county
national avg ~10%
Adults with Depression26.0%

Education

Math Test Scores2.53 grade level
Reading Test Scores2.78 grade level
HS Diploma Holders3,161
Bachelor's Degree Holders926
HS Completion Rate83.3%
This county
national avg ~85%

Safety

Violent Crime Rate4.5 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate23.8 / 100K
This county
national avg ~13.6/100K
Social Vulnerability (CDC SVI)62th pct
Drug Overdose Deaths (2024)18.9 / 100K
Suicide Rate29.3 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.2
January Sunshine-0.08
January Temperature0.94
Average Temp62°F+0.3% since 2022
Avg High Temp74°F+0.1% since 2022
Avg Low Temp50°F+1.2% since 2022
Median AQIAQI 41
Good Air Days221 days/yr
Unhealthy Air Days0 days/yr
Annual Precipitation57.1 in/yr-7.0% since 2022
Avg Storm Events3.6 storms/yr
Avg Annual Storm Damage$0
Ozone Days0 days/yr
This county
national avg 50 days/yr
Drought Index (2022)0.41
Heating Degree Days2,762 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,698 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)3,079 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,537 CDD/yr
Avg Tornadoes / Year0.4
Avg Flood Events / Year0.4
Avg Hail Events / Year1.2
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)22 / 100
Community Resilience (FEMA)41 / 100
Federal Disaster Declarations24 since 1953
Fine Particulate Pollution (PM2.5)6.8 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)2 properties
FAA-Registered Airports2 total
Airports (excl. heliports)1 airports

Internet & Remote Work

Download Speed101 Mbps
This county
national avg ~120 Mbps
Upload Speed41 Mbps
Fixed Internet (Q1 2026)370 Mbps
Mobile Internet (Q1 2026)172 Mbps
Mobile Upload (Q1 2026)12 Mbps
Mobile Latency (Q1 2026)38 ms
Households with 100Mbps+32.1%
This county
national avg 75.0%
Cellular-Only Internet19.8%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)237 Mbps

EV Infrastructure

EV Charging Stations1 stations
DC Fast Chargers0 chargers
Level 2 EV Chargers2

Commute & Transit

Remote Workers254 workers
Public Transit Commuters13 workers
Walk to Work (workers)37 workers
Extreme Commutes (90+ min)193 workers
Walk to Work0.7%

Families & Childcare

Childcare Cost Burden25.0%
This county
national median ~27% of household income
Childcare Centers8.1 per 10K residents

Civic & Community

Voter Turnout66.4%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)5.543
Nonprofit Organizations53
Veterans Share6.3%
This county
national avg 7.0%
Married Adults57.5%
Never-Married Adults24.9%
Divorced Adults8.7%
Religious Organizations15
Asian Population0.3%
Native American Population0.0%
Membership Associations11.3 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.30 per 1K residents
Grocery Stores4
Professional Services Firms9
Real Estate Firms7
Debt Burden
Avg Mortgage Balance$45K
Avg Student Loan Balance$8K
Avg Credit Card Balance$3K
Loan Delinquency Rate53.3%
This county
national avg 4.0%

Innovation

Inventor Rate0.05%

Politics

R+63

2024 Presidential · Alabama was R+28 statewide

vs Alabama State

Income tax
5%Same (state law)
Property tax
0.24%0.39% state avg
Politics
R+63R+28
COL Index
87state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +2

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.83x avg income)

Economic Mobility

41%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Clay County

Median home value: $182K

View on Zillow →View on Realtor.com →

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Full Alabama profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable