Clay Center, NE—68933
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Clay Center, NE
Clay Center, NE lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $175,000 | -0.2% |
| Single Family | $175,000 | -0.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $136,000 | -3.5% |
3 Bed | $205,000 | 2.5% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Clay Center, NE
As of July '25, Rentcast reports the average rent in Clay Center, NE is $525, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Clay Center, NE is 2-bedrooms: $525. The most common rental property sizes in Clay Center, NE are 3-bedroom and 2-bedroom, accounting for 42.9% and 41.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $525 | $525 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $525 | $525 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Clay Center, NE
As of Oct '25, Realtor.com reports that the median days on market for a home in Clay Center, NE is 108. This is a increase of 61.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $261,000 | 87.0% |
Listing Count | 6 | -19.0% |
| Listings as % of Homes | 0.7% | -19.0% |
Days on Market | 108 | 61.0% |
Demographics — Clay Center, NE
As of the latest ACS Survey released in 2023, Clay Center, NE has a population of 860, which has decreased by -4.2% over the past 5 years. Clay Center, NE is a moderately popular place for families, as children make up 24.0% of the population. The area has a poorly educated workforce, with 21.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 860 | -4.2% |
% Under 18 | 24.0% | 9.6% |
% Seniors | 20.2% | 6.9% |
% WFH | 4.6% | 130.0% |
% w/ College Degree | 21.8% | 6.9% |
As of the latest ACS Survey released in 2023, Clay Center, NE is a predominantly white area, with 90.2% of the population identifying as white. The white population has shrunk by 4.9% in the last 5 years. The second most common race or ethnicity in Clay Center, NE is hispanic, making up 4.8% of the population. Foreign-born residents account for 2.1% of the population in Clay Center, NE, and this percentage has increased by 200.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 90.2% | -4.9% |
% Black | 1.2% | 500.0% |
% Hispanic | 4.8% | 166.7% |
% Asian | 0.1% | ∞% |
% Foreign Born | 2.1% | 200.0% |
Mortgage and Risk — Clay Center, NE
According to HUD data as of 2023, there were 46 mortgage originations in Clay Center, NE, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Clay Center, NE. Investor activity is low, as 11.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 46 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 11.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Clay Center, NE
Clay Center, NE lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 26 |
Total Units Section 8 | 0 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $730 |
| 2 Bedroom | $385 | $525 | $910 |
| 3 Bedroom | N/A | N/A | $1,090 |
| 4 Bedroom | N/A | N/A | $1,270 |
Affordability — Clay Center, NE
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 1.9 |
| Median Home Price | $175,000 |
| Median Household Income | $81,800 |