Clay County
KY · Pop. 20,105 · Suburban County
Clay County, Kentucky covers 469 square miles with a population of 20,105 and a density of 42.9 people per square mile. The agricultural economy is rated weak, built on hay, haylage, soybeans. The median home price is $87,000, with an effective property tax rate of 0.68%. The climate sits in USDA hardiness zone 7a with a 165-day growing season, average summer highs of 85.2°F and average winter lows of 23.4°F. Annual rainfall averages 50.4 inches, generally adequate for the region's crops and pasture. Adventhealth Manchester is 2.6 miles away and includes an emergency room. Broadband reaches 88.9% of homes. On the hazard side, flood risk is very high, tornado risk is high, wildfire risk is very high, so plan infrastructure and insurance accordingly.
Pros
- A low effective property tax rate of 0.68% holds annual carrying costs down.
- A median home price of $87,000 makes land and property relatively affordable.
- Adventhealth Manchester, with an emergency room, is just 2.6 miles away — strong local healthcare access.
- Annual rainfall of 50.4 inches supports rain-fed gardens and pasture in most years.
Cons
- Wildfire risk is very high, requiring defensible space, fire-resistant construction, and an evacuation plan.
- Flood risk is very high, so careful parcel siting and flood insurance are essential.
- A poverty rate of 31.8% reflects a constrained local economy with limited off-farm income options.
- The agricultural economy is rated weak, so local farm markets, suppliers, and services are limited.
At a glance
Clay County, KY is a strong overall fit for homesteading.
- Homestead score
- 85/100
- Median home price
- $87k
- Property tax
- 0.68%
- Growing season
- 165 days (zone 7a)
- Annual rainfall
- 50.4"
- Broadband
- 88.9%
- Nearest hospital
- Adventhealth Manchester, 2.6 mi
Taxes & Cost of Living
Land & Building
Climate & Growing
Natural Disaster Risk
Healthcare
Infrastructure & Community
Business & Employment
Homesteading in Clay County: FAQ
- What is the growing season like in Clay County?
- Clay County is in USDA hardiness zone 7a with a 165-day growing season, average summer highs of 85.2°F, and average winter lows of 23.4°F. The established crops are hay, haylage, soybeans.
- How affordable is land and property here?
- The median home price is $87,000 and the effective property tax rate is 0.68%. There's no published county per-acre figure, so use recent comparable sales to gauge raw-land value.
- Is broadband internet available?
- Broadband reaches 88.9% of homes, so verify service at a specific parcel before purchasing.
- How close is healthcare?
- Adventhealth Manchester is 2.6 miles away and includes an emergency room; there is 1 hospital in the county.
Explore Kentucky Resources
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LandWatch
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AcreTrader
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More counties in Kentucky
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The closest counties to Clay County by distance, including across state lines.
Data sources
Verified
Figures are sourced from public datasets: U.S. Census Bureau — ACS 5-year & Gazetteer, USDA NASS Census of Agriculture, USDA Plant Hardiness Zone Map, NOAA NCEI U.S. Climate Normals (1991–2020), FEMA National Risk Index, FCC Broadband Data Collection, BLS Local Area Unemployment Statistics, HIFLD Hospitals. Always confirm specifics locally before relying on them. See our methodology for how the homestead score is calculated.
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