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Housing in Clay County
Both Census and HUD figures represent gross rent — contract rent plus estimated utility costs for electricity, heat, water, and sewer.
Rent in Clay County averages $1,243/month for a 2‑bedroom in 2024, compared to the Missouri median of $1,033 and the national median of $1,413. Local renters spend approximately 29% of household income on rent, below the national average of 32%.
HUD 2026 50th Percentile Rent Estimates for Clay County FMR Area are $1,179 for a studio, $1,289 for 1‑bedroom, $1,462 for 2‑bedroom, $1,904 for 3‑bedroom, and $2,264 for 4‑bedroom.
HUD 2026 Rent Estimates reflect market movement since 2024 Census data — a $219 increase for a 2-bedroom in Clay County shows a 18% rise over that period.
The U.S. Bureau of Labor Statistics annual unemployment rate for Clay County was 3.2% in 2024, compared to Missouri at 3.7% and the national rate of 4.0%.
