IncomeBy County

Clay County, Minnesota

Income Data

U.S. Census Bureau ACS
+3% vs. Minnesota average
$77,664
Median Household Income
$38,791
Per Capita Income

At a Glance

Median Household Income
$77,664
+3% vs. state avg
Per Capita Income
$38,791
-2% vs. national
Income-to-Housing Ratio
30.3%
income as % of home value
Rank in Minnesota
#22 / 87
by median household income

Economic Indicators

Unemployment Rate
N/A
Labor Force Participation
N/A

How Clay County Compares

Clay County$77,664
Minnesota Average$75,757
National Median$74,755

Detailed Income Statistics

$77,664
Median Household Income
$38,791
Per Capita Income
$256,000
Median Home Value
30.3%
Income-to-Housing Ratio

Income Advisory: Clay County

Income Verdict

Clay County has a median household income of $77,664 and per capita income of $38,791 — a gap of $38,873, suggesting a typical mix of dual-income and single-earner households.

Housing Affordability

With median gross rent at $1,000/month and a median household income of $77,664, rent consumes approximately 15.5% of monthly income — well within affordable thresholds.

Economic Context

A median household income of $77,664 suggests moderate-to-strong purchasing power, generally sufficient to cover essentials with room for discretionary spending in most markets. Per capita income of $38,791 is in line with national norms for individual earners.

Neighbor Context

Clay County earns approximately 2.5% above the Minnesota state median household income of $75,757, positioning it favorably within the state.

Data Story

About Household Income in Clay County, Minnesota

Clay Meets National Income Norms

Clay County's median household income of $77,664 exceeds the U.S. median of $74,755 by 3.9 percent, keeping the county slightly above national baseline. This modest $2,909 advantage reflects a stable, working-class economy.

Modestly Above State Average

Clay ranks above Minnesota's state median of $75,757 by $1,907 annually per household. With per capita income of $38,791—just below the state average—the county performs steadily, reflecting a balanced local economy.

Solid Mid-Range Regional Position

Clay's $77,664 median positions it between Carlton ($80,042) and Chippewa ($69,192), representing typical upper-rural Minnesota economics. The county outearns lower-income Cass and Clearwater while trailing suburban and stronger regional centers.

Reasonable Housing-to-Income Balance

Clay's rent-to-income ratio of 15.4 percent signals manageable housing affordability with median home values of $256,000. Households earning $77,664 can support homeownership without excessive cost burden.

Build Steady Wealth From Stability

Clay County's stable, moderate income provides foundation for consistent wealth-building through regular savings and long-term investing. Automated transfers to retirement and investment accounts help overcome the friction of modest earnings gains.

Frequently Asked Questions

What is the median household income in Clay County, Minnesota?
The median household income in Clay County, Minnesota is $77,664, 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 $38,791, 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 $77,664.
How does Clay County compare to the Minnesota average?
Clay County's median household income of $77,664 is higher than the Minnesota state average of $75,757. The per capita income is $38,791, compared to the state average of $39,335.
What is the per capita income in Clay County, Minnesota?
The per capita income in Clay County, Minnesota is $38,791, 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.
Why is Clay County income higher than the Minnesota average?
Clay County's median household income of $77,664 is higher than the Minnesota average of $75,757. This difference of $1,907 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does Clay County rank for income in Minnesota?
Clay County ranks #22 out of 87 counties in Minnesota by median household income (1 = highest). With a median household income of $77,664 and per capita income of $38,791, it falls in the top third of counties statewide.

Income Comparison Calculator

See how your household income compares in Clay County

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Your income is above the Clay County median

County median: $77,664 per year

vs. County Median

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vs. State Average

+3%

vs. National Median

+4%

vs. Clay County MedianAbout equal
vs. Minnesota Average▲ 3% above
vs. National Median▲ 4% above

Income Adequacy

Monthly income covers median rent6.5x

Your monthly income ($6,472) vs. median rent ($1,000/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Counties with Similar Income Levels

Sauk County
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$77,648
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DeKalb County
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$77,683
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$77,684
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Bedford County
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$77,644
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Bullitt County
Kentucky
$77,640
+0%
Rogers County
Oklahoma
$77,688
+0%
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By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

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

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