The story of this market
The typical home in Clay County, Mississippi sells for about $155,767, or $129 per square foot.
Prices are down 1.35% from a year ago, which gives buyers more room to negotiate. Homes take about 46 days to sell. The biggest natural hazard here is tornado, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $905 a month.
HUD sets the fair market rent for a 2-bedroom at $905 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Monthly price momentum
Home values since 2015
+2.5%
MS · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,131
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Natural hazard exposure
The area's risk shape
79
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $8,817,281.
Mortgage activity
Home lending in this county
67%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 559 | 272 | 67% | 5.3% | $105,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Clay County, Mississippi
The Clay County housing market remains stable with a median home value of $155,767, reflecting a slight year-over-year decline. Market conditions are balanced, supported by a 3.6-month supply of inventory and a median time on market of 46 days. Economic indicators show a modest unemployment rate and a population that has remained relatively steady.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 3 cities · 7 ZIP reports
Median prices moved down 1.5% year over year.
Homes spend a median of 48 days on market with 1.4 months of supply — a fast-moving market.
4% of listings have cut prices · homes sell at 26.25% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.5% · poverty 20.9% — a stable, low-distress profile.
Deterministic aggregate of 7 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Clay County, Mississippi — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 30
researched Sep 27
researched Sep 27
| 39730 | Aberdeen | $135,000 | $85 | +2.4% | 92 | 96.5% | 12% | 6.8 | 48 | $728 | researched Sep 27 |
| 39740 | Caledonia | $145,000 | $98 | +2.1% | 62 | 96.5% | 12% | 4.2 | 45 | $743 | researched Sep 27 |
| 39744 | Eupora | $401,871 | $212 | -3% | 41 | — | — | — | — | $669 | researched Sep 27 |
| 39751 | Mantee | $192,000 | $105 | +2.1% | 88 | 96.5% | 12% | 6.5 | 25 | $638 | researched Sep 27 |
| 39754 | Montpelier | $135,000 | $98 | +2.4% | 62 | 96.5% | 12% | 5.5 | 44 | $950 | researched Sep 30 |
| 39755 | Pheba | $145,000 | $98 | +3.5% | 62 | 97.5% | 12% | 4.2 | 45 | $950 | researched Sep 27 |
| 39773 | West Point | $145,000 | $98 | +2.1% | 62 | 96.5% | 18% | 4.8 | 45 | $828 | researched Sep 27 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county recorded a violent crime rate of 507 per 100,000 residents and a property crime rate of 2,080 per 100,000 in 2024, which is higher than most counties nationally.
The local economy is characterized by a 4.5% unemployment rate as of May 2026, with a population base that has seen a slight decline of 2.1% since 2020.
Property taxes are assessed at the county level; specific millage rates and exemptions are determined by local jurisdiction and school district requirements.
The median gross rent is $817 per month, with a renter cost burden profile consistent with regional economic trends.
The economy is driven by local industry with an unemployment rate of 4.5% as of May 2026.
The mean travel time to work is 21.8 minutes, which is lower than the state and national averages.
- Davis Wade Stadium4.714 mi
- Harveys4.614 mi
- Dudy Noble Field4.813.5 mi
- Rick's Cafe4.513.1 mi
- UEC Hollywood Premier Cinema4.114.4 mi
- McKee Park4.514.7 mi
- Moncrief Park4.412.9 mi
- McKee Park4.514.7 mi
- Witch Dance4.318.8 mi
- Moncrief Park4.412.9 mi
- Starkville Dog Park4.412.9 mi
- West Point City Park4.610.9 mi
- Columbus Marina4.621.9 mi
- Asian Foods Market-Restaurant4.414 mi
- Starkville Crossings4.114.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data retrieved from Census Reporter and U.S. Census Bureau QuickFacts.
applies when — Parcels located within a district created by petition of property owners
Imposes additional assessments on parcels falling under the purview of homeowners' associations or improvement districts.
Miss. Code Ann. Section 21-33-561.
applies when — Default on a mortgage or deed of trust containing a power-of-sale clause
Allows for foreclosure without court intervention; requires publication of notice of the foreclosure sale in a newspaper in the county where the property is located.
Standard practice under Mississippi law for deeds of trust.
applies when — Transfer of residential real property by a seller
Requires the transferor to provide a written disclosure statement regarding the condition of the property to the transferee, subject to specific statutory exemptions.
Governed by Miss. Code Ann. Sections 89-1-501 through 89-1-523; amended by HB 1271 (2024).
Formula: (True Value × Assessment Ratio) × Millage Rate = Taxes. Class I (single-family owner-occupied) is assessed at a 10% ratio. Homestead exemptions for homeowners over 65 or disabled provide an exemption on the first $7,500 of assessed value.
Governed by Miss. Code Ann. Sections 27-35-1 through 27-35-167; assessments updated at least every four years.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.