Clay County, Minnesota
Income Data
At a Glance
How Clay County Compares
Detailed Income Statistics
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
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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.