Clay County, MN Average Home Price (2026)
The average home price in Clay County, Minnesota is about $355,500 (the 2026 median across 10 ZIP codes, at ~$195/sq ft) — 20% more expensive than the Minnesota median and 23% more expensive than the typical U.S. home.
How Clay County compares
Clay County is about average for housing nationally: its typical home costs $355,500 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $291,000 to $732,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Clay County | $355,500 | $195 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Clay County home prices by ZIP code
The 10 most valuable ZIP codes in Clay County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 56552 Hitterdal | $732,000 | $385 | +106% |
| 56546 Georgetown | $656,000 | $345 | +85% |
| 56536 Felton | $405,000 | $213 | +14% |
| 56549 Hawley | $392,000 | $190 | +10% |
| 56547 Glyndon | $359,000 | $165 | +1% |
| 56580 Sabin | $352,000 | $148 | -1% |
| 56514 Barnesville | $305,000 | $160 | -14% |
| 56585 Ulen | $297,000 | $208 | -16% |
| 56529 Dilworth | $294,000 | $200 | -17% |
| 56560 Moorhead | $291,000 | $154 | -18% |
Home value appreciation in Clay County
Home prices in Clay County have risen about 57% over the last 10 years (≈4.6% a year) and +95.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.8% — still rising. A home worth $355,500 today was worth roughly $226,867 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Minnesota is +71.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Clay County
Run the numbers for Clay County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Clay County
To buy the typical $355,500 home in Clay County with 20% down, you need a household income of roughly $97,000 a year (about $2,260 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $115,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,800 | $2,800/mo | $120,000/yr |
| 10% (+PMI) | $35,600 | $2,680/mo | $115,000/yr |
| 20% | $71,100 | $2,260/mo | $97,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Clay County
At about $195 per square foot, here is roughly how much home different budgets get you in Clay County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 1030 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1280 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1540 sq ft | around the typical home here |
| $400k | 2050 sq ft | around the typical home here |
| $500k | 2560 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Minnesota.
Estimate a specific home in Clay County
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Clay County home prices: frequently asked
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Browse all Minnesota cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.