Housing Market Report
Clay County, TX
Data through February 2026 · Updated monthly
Homes are selling quickly with few price cuts
Avg Home Value
$198,100
▼ 2.1% year-over-year
Days to Pending
--
Homes For Sale
51
Avg Rent/Month
--
The Clay County, TX housing market is showing signs of cooling. The average home value is $198,100, down 2.1% year-over-year as of February 2026. 0.1% of active listings have had a price cut.
There are currently 51 homes for sale in the county, with 8 new listings hitting the market each month.
For homebuyers, the estimated monthly mortgage payment on a median-priced home in Clay County with 10% down is $1,229.
Bottom-tier homes (under the 33rd percentile) are currently valued at $105,711, making them the primary target range for investors looking at wholesale deals, fix-and-flip projects, or BRRRR strategies.
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Market Snapshot
Clay County Housing Market at a Glance
Key metrics for Clay County as of February 2026. Year-over-year changes show how the market has shifted in the last 12 months.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $195,256 | $196,875 | $198,100 | ▲ 1.5% |
| Single Family Value | $195,171 | $196,789 | $198,029 | ▲ 1.5% |
| Median List Price | $253,183 | $253,283 | $268,133 | ▲ 5.9% |
| Homes For Sale | 61 | 56 | 51 | ▼ 16.4% |
| New Listings | 11 | 9 | 8 | ▼ 27.3% |
| % Listings w/ Price Cut | 0.1% | 0.1% | 0.1% | ▼ 8.3% |
Home Values
Clay County Home Value Trend (2000–2026)
All-home median values including the 2008 housing crash, 2020 COVID surge, and 2022 rate shock. Switch between All Homes, Single Family, Bottom Tier, Top Tier, and Rent to compare trends.
Source: Zillow Research ZHVI / ZORI · Updated monthly
Market Tiers
Buyer vs. Investor Segments
Bottom-tier homes (under 33rd percentile) are the primary target for wholesale investors using the 70% rule. In Clay County, bottom-tier homes are valued at $105,711.
Bottom Tier
Under 33rd percentile
$105,711
▼ 4.6% YoY
Wholesale / investor range
Mid Tier
33rd-67th percentile
$198,100
▼ 2.1% YoY
Typical buyer range
Top Tier
Over 67th percentile
$384,177
Luxury / high-end
Market Activity
Supply, Demand and Pricing Power
How quickly homes are selling, how many are available, and whether sellers or buyers have the upper hand in Clay County.
Homes For Sale
51
8 new/month
% Listings w/ Price Cut
0.1%
Median List Price
$268,133
Affordability
Monthly Cost to Own in Clay County
Estimated mortgage payments on the median-priced home at current rates.
| Down Payment | Est. Monthly Payment |
|---|---|
| 5% down | $1,733/mo |
| 10% down | $1,664/mo |
| 20% down | $1,396/mo |
Metro Context
Clay County vs. Wichita Falls
How Clay County compares to the broader Wichita Falls metropolitan area.
| Metric | Clay County | Metro Avg |
|---|---|---|
| Avg Home Value | $198,100 | $169,210 |
| Days to Pending | -- | -- |
| % Sold Below List | -- | 0.7% |
| Avg Rent/Month | -- | $1,235 |
By Neighborhood
Home Values in Clay County by ZIP Code
Compare home values and price trends across neighborhoods in Clay County. Click any ZIP to see its full market report.
Nearby Markets
Other Counties in TX
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Frequently Asked Questions
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Data Sources and Methodology
Market data on this page comes from the Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI), updated monthly by Zillow Research. ZHVI measures the typical home value for a given region based on Zillow's proprietary automated valuation model, smoothed and seasonally adjusted to remove noise. ZORI measures the typical observed market-rate rent across the region, controlling for quality mix changes.
Sale price, inventory, days-on-market, and sale-to-list metrics are sourced from Zillow Research public data releases. All data is refreshed on the 17th of each month. This report was last updated February 2026.
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