The story of this market
The typical home in Clay County, Nebraska sells for about $350,000, or $185 per square foot.
Prices are roughly flat from a year ago (0%), a market in balance. Homes take about 29 days to sell, which is fast. Over the long run, values in this county have grown 188% since 2001. The biggest natural hazard here is hail, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,014 a month.
HUD sets the fair market rent for a 2-bedroom at $1,014 a month. FEMA's National Risk Index rates overall hazard risk here as Very High.
Price climate
Every year of price change, 2001–2025
-0.4%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+21.2%). Worst: 2009 (-4.7%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3.2%
NE · 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
$1,208
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.
Neighborhood price trend
Long-run price trend, 2001–2025
-0.4%
2025 change
FHFA repeat-sales index, median of 2 census tracts in this county (2001 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
99
Very High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $20,160,552.
Mortgage activity
Home lending in this county
79.3%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 165 | 85 | 79.3% | 4.6% | $125,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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, Nebraska
Clay County, Nebraska, maintains a stable housing market characterized by low inventory and steady pricing. The market is driven by local agricultural economic factors and limited new construction activity.
1 distress filing(s) on the ARED verified county foreclosure ledger. 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 · 5 cities · 8 ZIP reports
Median prices moved up 1.2% year over year.
Homes spend a median of 0 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.32% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.8% · poverty 9.2% — a stable, low-distress profile.
Deterministic aggregate of 8 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.
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 28
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| 68933 | Clay Center | $145,000 | $98 | +2.1% | 62 | 97.5% | 12% | 4.5 | 18 | $625 | researched Sep 28 |
| 68935 | Edgar | $156,555 | — | +5.1% | — | — | — | — | — | $391 | researched Sep 28 |
| 68938 | Fairfield | — | — | — | — | — | — | — | — | $635 | researched Sep 28 |
| 68944 | Harvard | $145,000 | $105 | +3.5% | 88 | 96.5% | 8.3% | 6 | 12 | $738 | researched Sep 28 |
| 68952 | Inavale | — | — | — | — | — | — | — | — | — | researched Sep 28 |
| 68975 | Saronville | — | — | — | — | — | — | — | — | — | researched Sep 28 |
| 68978 | Superior | $106,000 | $77 | +2.1% | 105 | 94.5% | 12% | 7 | 28 | $663 | researched Sep 28 |
| 68979 | Sutton | $156,300 | — | — | — | — | — | — | — | $907 | researched Sep 28 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The economy is primarily driven by agricultural production and related services.
- Island Oasis Water Park4.426.3 mi
- Spring City Indoor Trampoline Park4.329.7 mi
- Nebraska State Fair4.426.1 mi
- Fonner Park4.425.9 mi
- BigIron Events Center4.425.9 mi
- Adams County Fairgrounds4.318.7 mi
- Hastings Museum4.618.1 mi
- Golden Ticket Cinemas Hastings 34.219.9 mi
- Rivoli 34.518 mi
- Pastime Lanes4.218.6 mi
- Edgerton Explorit Center4.718.2 mi
- Stuhr Museum4.726.2 mi
- Hastings Museum4.618.1 mi
- Pete's Safari4.928.6 mi
- Edgerton Explorit Center4.718.2 mi
- Lee's Legendary Marbles & Collectibles4.628.6 mi
- Hastings Museum4.618.1 mi
- Duncan Field4.717.3 mi
- Heartwell Park4.617.4 mi
- Brickyard Park4.519.1 mi
- Crosier Park4.617.5 mi
- Hastings Elks Lodge 159 and Golf Course4.415.3 mi
- Dollar General4.316.9 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 U.S. Census Bureau QuickFacts for Clay County, Nebraska.
applies when — Applies to qualified claimants including certain veterans, individuals with disabilities, and low-income seniors based on income and property value thresholds.
Provides a reduction or exemption of property taxes on the primary residence (homestead) of qualified individuals. The specific exemption amount is determined by income brackets and disability status as defined in state statutes.
Neb. Rev. Stat. §§ 77-3501 to 77-3530.
Real property is assessed at or near 100% of actual value, except for agricultural and horticultural land, which is assessed at 75% of actual value. Agricultural land is assessed at 50% of actual value for school bond tax purposes. Taxes are calculated by applying local mill levies to the assessed value.
Nebraska Constitution Article VIII; Neb. Rev. Stat. § 77-1344; 2025 Property Assessment Division Annual Report.
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.