Market Overview
Home Prices in Clay Center, KS
The median home value in Clay Center, KS is $167,189 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.9% compared to a year ago and down 0.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Clay Center are priced59% below average.
Over the past five years, Clay Center home values have risen by approximately32.1%, reflecting strong long-term appreciation in this market.
Price History
Clay Center Home Price Trend
2020
$110,833
$111K
—
2021
$126,606
$127K
+14.2%
2022
$144,468
$144K
+14.1%
2023
$147,283
$147K
+1.9%
2024
$154,046
$154K
+4.6%
2025
$153,556
$154K
-0.3%
2026
$167,189
$167K
+8.9%
City Comparison
Clay Center vs. National Median
🏠 Clay Center
$167,189
National Median
$410,000
At $167,189, homes in Clay Center cost 59% below the national median of $410,000. This makes Clay Center a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Clay Center?
20% Down Payment
$33,438
on $167,189
Monthly P&I
$872/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,107/mo
incl. taxes & insurance
Income Needed
$44,280
gross annual (30% rule)
10% Down Option
$16,719
+ PMI applies
Loan Amount (20% dn)
$133,751
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Clay Center, KS?
The median home value in Clay Center is $167,189 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.9% year-over-year.
How much have home prices changed in Clay Center?
Over the past year, home values in Clay Center have increased by 8.9%. Over five years, prices have risen approximately 32.1%.
How much do I need to earn to buy a home in Clay Center?
To comfortably afford the median home price of $167,189 with a 20% down payment ($33,438) at today's rates (6.8%), you'd need a gross annual income of approximately $44,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Clay Center compare to the national average home price?
The national median home value is approximately $410,000. At $167,189, homes in Clay Center are 59% below the national average.