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Clay Center city, KS

ZIP 67432 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 67432

Median Home Value
$146,900
Median Rent
$626
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$944/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 67432 in Clay Center city, KS, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $944. That sits below the local median household income ($65,072), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.8%+5% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
10.3%-20% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
15.5%-69% vs US avg
x
Mortgage-Free
52.2%+37% vs US avg
x
$146,900
Home Value
$626
Rent
1963
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached84.2%
  • 1-unit attached2.6%
  • 2-9 units3.5%
  • 10+ units7.0%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,900
Median rent$626
Owner-occupied68.8%
Vacant7.4%
Price-to-income2.3x
Est. income to buy$40,000