Clay County, Kentucky

Income Data

-29% vs. Kentucky average
$39,607
Median Household Income
$21,888
Per Capita Income

At a Glance

Median Household Income
$39,607
-29% vs. state avg
Per Capita Income
$21,888
-45% vs. national
Income-to-Housing Ratio
45.4%
income as % of home value
Rank in Kentucky
#110 / 120
by median household income

How Clay County Compares

Clay County$39,607
Kentucky Average$55,909
National Median$74,755

Detailed Income Statistics

$39,607
Median Household Income
$21,888
Per Capita Income
$87,300
Median Home Value
45.4%
Income-to-Housing Ratio

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

What is the median household income in Clay County, Kentucky?
The median household income in Clay County, Kentucky is $39,607, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Clay County?
The per capita income in Clay County is $21,888, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $39,607.
How does Clay County compare to the Kentucky average?
Clay County's median household income of $39,607 is lower than the Kentucky state average of $55,909. The per capita income is $21,888, compared to the state average of $29,616.
What is the per capita income in Clay County, Kentucky?
The per capita income in Clay County, Kentucky is $21,888, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Is Clay County a low-income area in Kentucky?
Clay County's median household income of $39,607 is below the Kentucky average of $55,909. The per capita income of $21,888 is also lower than the state average of $29,616. Lower incomes can reflect the local economic base, rural vs. urban location, and employment opportunities available in the area.
How does Clay County rank for income in Kentucky?
Clay County ranks #110 out of 120 counties in Kentucky by median household income (1 = highest). With a median household income of $39,607 and per capita income of $21,888, it falls in the bottom third of counties statewide.

Income Comparison Calculator

See how your household income compares in Clay County

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County median: $39,607 per year

vs. County Median

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vs. State Average

-29%

vs. National Median

-47%

vs. Clay County MedianAbout equal
vs. Kentucky Average29% below
vs. National Median47% below

Income Adequacy

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Your monthly income ($3,301) vs. median rent ($698/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.