Cost of Living in Clay, KY

Get 300+ Local Insights for Any Address in Clay, KY

Get Access to 300+ Local Data Points
A+
19%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
56%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Clay Kentucky National
Cost of living8188100
Groceries9798100
Health care9497100
Housing4470100
Transportation9796100
Utilities9495100
Lifestyle & Entertainment9995100
Household Items9997100
Education & Childcare9994100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

Homes For Sale In Clay, KY

property for sale

164 College St

Clay, KY
property for sale

221 Hall St

Clay, KY
property for sale

661 State Route 109 N

Clay, KY
property for sale

851 State Route 109 N

Clay, KY
See the Newest Homes For Sale In Clay, KY

Cost Of Living Quick Facts

  • The cost of living in Clay is 8% lower than the Kentucky average
  • The cost of living in Clay is 19% lower than the national average
  • Clay housing is 56% lower than the national average
  • Kentucky general sales tax is 18% higher than the national average
  • Kentucky state income tax is 73% higher than the national average

Most Affordable Places to Live in and Around Clay

See all the best places to live around Clay

Compare Clay, KY Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Clay?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Clay?
      Write a review to give others more information about this area.
      See all Clay poll results

      The best places in Kentucky

      Here are the best places to live in KentuckySafest States In The USSafest Cities In The USMost Dangerous Cities In The US
      Best Places in Kentucky

      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$44,389$3,699$1,036$1,332
      Renters$82,581$6,882$1,927$2,478

      Kentucky Sales Tax

      State General Sales Tax With Max Surtax
      Kentucky 6% 6%

      Kentucky Income Tax

      State Income Tax (Low) Income Tax (High)
      Kentucky 4.5% 4.5%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Poole, KY73973.1%
      Wheatcroft, KY1607524.6%
      Providence, KY3,0747921.4%
      Sturgis, KY1,6968118.8%
      Marion, KY2,9878217.6%
      Clay, KY1,2788118.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Dilkon, AZ1,2788613.8%
      Bridgehampton, NY1,278247147.0%
      Prospect, OH1,2789010.2%
      Rock Island, WA1,2781054.5%
      Musquash, NB1,278n/a 
      Clay, KY1,2788118.9%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
      General
      For Professionals
      Follow Us
      AV on Twitter AV on Facebook
      © AreaVibes Inc. 2010-2026