Clay City, KY population, income and ZIP codes

Clay City city is a small town in Kentucky, with 1,352 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #211 of 554 ranked by population — larger than 62% of them. The median age here is 36.1 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Clay City city earn a median of $32,571 a year, 58.5% below the national figure of $78,538 and 41% below the $55,469 median for the 246 Kentucky cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 38.9% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Clay City city is valued at $108,600, 64.2% below the national figure and 31% below the $157,200 peer median, while median gross rent runs $609 a month, 56.7% below the national figure, or roughly $7,308 across a full year. A household on the local median income would put about 22.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 42.2% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.