Clay County, TX at a glance
Median household income
$80,114$6,676 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Clay County, TX?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Clay County, TX? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Wichita Falls, TX MSA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $831 | $9,972 | $33,240 | 12.4% |
| 1-Bedroom Apartment | $925 | $11,100 | $37,000 | 13.9% |
| 2-Bedroom ApartmentBenchmark | $1,136 | $13,632 | $45,440 | 17% |
| 3-Bedroom Home | $1,553 | $18,636 | $62,120 | 23.3% |
| 4-Bedroom Home | $1,759 | $21,108 | $70,360 | 26.3% |
What a typical income covers in Clay County, TX
The 50/30/20 rule applied to the local median of $80,114 a year ($6,676 a month before tax).
What $80,114 leaves after Texas taxes
Federal income tax, Social Security, Medicare and Texas tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Texas
Living in Clay County, TX: common questions
What is the median household income in Clay County, TX?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Clay County, TX is $80,114 per year (approximately $6,676 per month).
What is the average rent in Clay County, TX?
The closest official figure is HUD's Fair Market Rent for 2026: $831 for a studio, $925 for one bedroom, $1,136 for two, $1,553 for three and $1,759 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Clay County, TX expensive to live in?
Prices there run 10.5% below the U.S. average. BEA's regional price parity for the metro area is 89.5, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Clay County, TX?
To keep a $1,136 two-bedroom under 30% of gross income, a household needs about $45,440 a year, or $3,787 a month. That is 57% of what the typical household in Clay County, TX earns.
How much do you need to live comfortably in Clay County, TX?
On the local median income of $80,114 ($6,676 a month before tax), the 50/30/20 rule leaves $3,338 a month for needs like rent, utilities and groceries, $2,003 for everything else and $1,335 for savings or debt. A two-bedroom at $1,136 takes 34% of the needs share.
How much is the electric bill in Clay County, TX?
Homes in Texas paid 15.9¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $143. Your bill depends mostly on heating and cooling.