Clay County, Kentucky
Income Data
At a Glance
How Clay County Compares
Detailed Income Statistics
Data Story
About Household Income in Clay County, Kentucky
Clay County faces significant income gap
Clay County's median household income of $39,607 falls 47% below the national median of $74,755, placing it among the lowest-income counties in the nation. Per capita income of $21,888 is roughly 26% below Kentucky's state average, indicating widespread economic hardship.
Among Kentucky's lowest earners
Clay County ranks near the bottom of Kentucky's 120 counties, with median household income roughly 29% below the state average of $55,909. This deep income gap reflects limited job opportunities and lower wage industries concentrated in the region.
Struggling compared to Appalachian peers
Clay County's $39,607 income ranks below neighboring Perry County and Owsley County, with households earning $5,000 to $10,000 less annually than similar Appalachian counties. The disparity reflects Clay's reliance on declining coal and agriculture sectors.
Housing costs strain tight budgets
At 21.1%, Clay County's rent-to-income ratio exceeds the 30% affordability threshold for many households, signaling housing stress among renters. The median home value of $87,300 may be accessible, but incomes are too low to support comfortable ownership and maintenance costs.
Start small with accessible savings goals
Even modest savings of $25–50 monthly through employer retirement plans or community credit unions can compound over time. Explore local microfinance programs, job training grants, and income-boosting opportunities that serve low-income workers in Appalachian communities.
Frequently Asked Questions
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Your income is above the Clay County median
County median: $39,607 per year
vs. County Median
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vs. State Average
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vs. National Median
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.