Clay, WV 25043 housing market

What this means

• Prices. Home values are down 1.2% over the past year (U.S.: +1.2%), 7% below their 2022-23 peak.
• Supply. Listings are 79% below the 2017-19 norm and falling (−60% vs. a year ago): still a tight market.
• Negotiating. Buyer leverage is low (0/100; U.S.: 54): homes sell for about 4.5% below their final list price (as of Mar 2026); 0% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 17% of the median household income (U.S.: 35%); it takes about $27k a year to keep the payment at 30% of gross pay. That includes about $984 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $295 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
• Outlook. Leaning up: likely −4% to +12% over the next 12 months (78% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −4.5% to +11.8% (80% range; middle estimate +4.8%), chance of a rise 78%, of a 5%+ drop 8%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

Other ZIP codes in Clay County, WV