Clay
Tennessee

Population

$40K

Median Income

$215K

Median Home

R+65

Politics

Economy

Median Household Income$40K

This county

national avg ~$75K

Poverty Rate20.5%

This county

national avg ~11.5%

Unemployment Rate4.6%

This county

national avg ~3.8%

GDP per Capita$33,833

Federal Spending per Capita$840

Median Individual Earnings$34K

This county

national avg $45K

Professional/Management Workers30.4%

Average Adjusted Gross Income$49K

Avg Credit Score664

Work From Home %4.1%

This county

national avg 17.0%

Population Under 1820.2%

This county

national avg 22.0%

Single-Person Households32.0%

This county

national avg 28.0%

Banks & Finance Firms3

Income (20th Percentile)$15K

Income (80th Percentile)$85K

Income (95th Percentile)$134K

Bachelor's Degree or Higher12.7%

This county

national avg 35.0%

Less Than High School15.0%

This county

national avg 11.0%

Knowledge Economy GDP %1.6%

Dependency Ratio1.22

Medicare Spending / Person$3,535

SS Benefits / Person$4,912

Education Wage Premium1.54x

Median Earnings (Bachelor's)$43K

Median Earnings (Graduate)$49K

Median Earnings (HS Diploma)$32K

Public Assistance Recipients3.8%

Average Annual Wage$38K

Professional Services Concentration0.25x national

This county

1.0 = national average share

Housing

Median Home Value$211K

This county

$350K state avg

$303K national

Market Rent (ZORI)$588/mo

This county

$1400/mo state avg

$1400/mo national

Property Tax Rate0.59%

This county

0.45% state avg

1.10% national

Annual tax on median home: $787

Affordability & Supply

HUD Fair Market Rent (2BR)$925/mo

Home Price Change (1 yr)+17.3%

Home Value to Income Ratio2.3x income

Severely Cost-Burdened Households8.4%

Homeownership Rate78.6%

This county

national avg ~65%

Market Activity

Listings with Price Cuts— Low — market moving fast

12.3%

Active Listings

New Listings / Month

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage

160 days

Months of Supply (Redfin)— High inventory — buyers market

10.0 mo

Sold Above List (Redfin)

25.0%

Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list

91.5%

Source: Redfin · Updated monthly

Health

Life Expectancy72.6 yrs

This county

national avg ~78.5 years

Food Insecurity17.2%

This county

national avg ~11%

Food Environment Index7.2 / 10

This county

higher = better access

Primary Care Shortage Score11

This county

national avg 5

Mental Health Shortage Score17

Dental Care Shortage Score19

Healthcare Shortage Score15.7

Healthcare Offices5

Obesity Rate (BRFSS)39.9%

This county

national avg 32.0%

Smoking Rate (BRFSS)24.1%

This county

national avg 14.0%

Poor Health Rate (BRFSS)26.7%

This county

national avg 18.0%

Physical Inactivity (BRFSS)31.2%

This county

national avg 24.0%

High Blood Pressure (BRFSS)38.3%

This county

national avg 32.0%

Active Physicians4

Nursing Home Rating4.0 / 5

This county

national avg ~3 stars

ER Visits per 1,000 Medicare Patients509 / 1,000

Medicare Cost per Beneficiary$11,919

Uninsured (under 65)14.4%

This county

national avg ~10%

Adults with Depression32.8%

Education

Math Test Scores2.65 grade level

Reading Test Scores2.91 grade level

HS Diploma Holders2,253

Bachelor's Degree Holders344

HS Completion Rate85.0%

This county

national avg ~85%

Safety

Violent Crime Rate5.1 / 1,000

This county

national avg ~4.0

Firearm Fatality Rate26.2 / 100K

This county

national avg ~13.6/100K

Traffic Fatalities1

Social Vulnerability (CDC SVI)66th pct

Drug Overdose Deaths (2024)27.8 / 100K

Suicide Rate28.6 / 100K

This county

national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale1.3

January Sunshine-0.77

January Temperature0.37

Average Temp59°F

Avg High Temp71°F

Avg Low Temp47°F

Annual Precipitation56.5 in/yr

Avg Storm Events2.0 storms/yr

Avg Annual Storm Damage$200K

Drought Index (2022)0.14

Heating Degree Days3,738 HDD/yr

This county

national avg ~4,500 HDD/yr

Cooling Degree Days1,540 CDD/yr

This county

national avg ~1,200 CDD/yr

Heating Degree Days (1901–2000 Baseline)4,144 HDD/yr

Cooling Degree Days (1901–2000 Baseline)1,314 CDD/yr

Avg Tornadoes / Year0.4

Avg Flood Events / Year0.4

Avg Hail Events / Year0.2

Avg Hurricane Events / Year0.00

Avg Wildfire Events / Year0.0

Avg Winter Storms / Year0.0

Avg Heat Events / Year0.0

Natural Hazard Risk (FEMA)10 / 100

Community Resilience (FEMA)8 / 100

Federal Disaster Declarations22 since 1953

Fine Particulate Pollution (PM2.5)7.2 µg/m³

This county

EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)2 properties

Internet & Remote Work

Download Speed211 Mbps

This county

national avg ~120 Mbps

Upload Speed144 Mbps

Fixed Internet (Q1 2026)324 Mbps

Mobile Internet (Q1 2026)305 Mbps

Mobile Upload (Q1 2026)54 Mbps

Mobile Latency (Q1 2026)25 ms

Households with 100Mbps+100.0%

This county

national avg 75.0%

Cellular-Only Internet8.7%

This county

national avg 8.0%

Fixed Upload Speed (Q1 2026)230 Mbps

Commute & Transit

Remote Workers107 workers

Public Transit Commuters14 workers

Walk to Work14 workers

Extreme Commutes (90+ min)63 workers

Walk to Work0.5%

Families & Childcare

Childcare Cost Burden31.6%

This county

national median ~27% of household income

Childcare Centers9.1 per 10K residents

Civic & Community

Voter Turnout58.4%

This county

national avg ~55%

Volunteering Rate1.0%

Income Inequality (Gini)5.563

Nonprofit Organizations25

Veterans Share7.7%

This county

national avg 7.0%

Married Adults55.6%

Never-Married Adults21.6%

Divorced Adults12.4%

Asian Population0.6%

Native American Population0.4%

Membership Associations4.0 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.66 per 1K residents

Grocery Stores4

Professional Services Firms4

Real Estate Firms5

Debt Burden

Avg Mortgage Balance$51K

Avg Student Loan Balance$6K

Avg Credit Card Balance$3K

Loan Delinquency Rate45.5%

This county

national avg 4.0%

Innovation

Inventor Rate0.02%

Politics

R+65

2024 Presidential · Tennessee was R+24 statewide

vs Tennessee State

Income tax

NoneSame (state law)

Property tax

0.59%0.45% state avg

Politics

R+65R+24

COL Index

County data92 (state)

Population & Migration

Net Domestic Migration 2023

↑ +99

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.89x avg income)

Economic Mobility

42%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Clay County

Median home value: $215K

View on Zillow →View on Realtor.com →

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Local News — Clay

Rocky Top Insider · 1 day ago

What Furman Football HC Clay Hendrix Said to Preview Tennessee Game

What Furman football head coach Clay Hendrix said to preview the upcoming game against Tennessee in …

Tennessee State Parks · 1 month ago

Christmas at Red Clay 2024: Farmhouse Decoration

Join Red Clay staff in decorating the farmhouse for Christmas at Red Clay! Volunteers are tasked wit…

Legacy | Obituary Search · 4 days ago

John Phillips, Jr. Obituary (1951 - 2026) - Memphis, TN - The Daily Memphian

John Clay Phillips Jr. known to everyone in Memphis as “Lefty” passed peacefully on 08/26/26 at home…

MLB.com · Mar 19, 2026

Tennessee Smokies Clay Clash

The Official Site of Minor League Baseball web site includes features, news, rosters, statistics, sc…

Heritage Funeral Home & Cremation Services, LLC. · Mar 3, 2026

Brandon Clay Stricklin Obituary Mar 2, 2026

Brandon Clay Stricklin, age 44, a resident of Columbia, Tennessee, passed away on Monday morning, Ma…

Chattanooga Times Free Press · Jun 3, 2026

Barbara Clay Obituary

Barbara Clay Barbara Jean Clay, a beloved mother, grandmother, and community trailblazer, passed awa…

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

ClayTennessee

Clay
Tennessee