HomeWest VirginiaClay CountyClay
Clay, West Virginia: commercial real estate data.
Clay is a Census town of 378 people across 0.56 square miles of land, in Clay County. 22.4 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $175,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
This is a small place, and the figures below carry wide margins.
The American Community Survey reaches Clay through a sample, not a count, and in a place this size that sample is thin. The population estimate here is 378 with a margin of error of plus or minus 241, which is 63.8 percent of the estimate itself. Every figure whose margin reaches 20 percent is printed with that margin beside it, so you can see the width of each one rather than having to assume it.
Nothing has been removed or adjusted. These are the published federal estimates, shown with the uncertainty the Census publishes alongside them.
Clay
What Clay is
- Census place typetown
- Land area0.56 sq mi
- Water area0.06 sq mi
- Population per square mile of land678 plus or minus 432
- County holding the largest share of its areaClay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay
How many people live in Clay
- Population378 plus or minus 241
- Median age30.4
- Population under 18145 plus or minus 85
- Share under 1838.4 percent plus or minus 33.2
- Population 65 and over49 plus or minus 30
- Share 65 and over13.0 percent plus or minus 11.4
- Households152 plus or minus 89
- Family households117 plus or minus 84
- Share of households that are families77.0 percent plus or minus 32.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay
Income and work in Clay
- Per capita income$8,406 plus or minus $5,924
- Civilian labor force32 plus or minus 20
- Employed32 plus or minus 20
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over229 plus or minus 115
- Adults 25 and over with a high school diploma or higher92.6 percent
- Adults 25 and over with a bachelor degree or higher3.9 percent plus or minus 6.7
- Adults 25 and over with a graduate degree3.5 percent plus or minus 6.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay
Housing in Clay
- Housing units282 plus or minus 112
- Occupied units152 plus or minus 89
- Vacant units130 plus or minus 58
- Vacancy rate46.1 percent plus or minus 9.4
- Owner occupied34 plus or minus 22
- Renter occupied118 plus or minus 85
- Ownership rate22.4 percent plus or minus 6.2
- Median owner-occupied home value$44,300 plus or minus $21,944
- Median gross rent, monthly$665
- Single family units118 plus or minus 51
- Share single family41.8 percent
- Units in buildings of two or more125 plus or minus 91
- Share in buildings of two or more44.3 percent plus or minus 27.0
- Mobile homes39 plus or minus 33
- Median year structure built1957
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay
How Clay gets to work
- Workers 16 and over who commute30 plus or minus 20
- Commuting under 15 minutes15 plus or minus 14
- Share commuting under 15 minutes50.0 percent plus or minus 31.4
- Commuting 30 minutes or more7 plus or minus 15
- Share commuting 30 minutes or more23.3 percent plus or minus 48.6
- Drove alone67.7 percent plus or minus 20.8
- Carpooled3.2 percent plus or minus 9.5
- Public transport0.0 percent
- Walked16.1 percent plus or minus 23.6
- Worked from home3.2 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clay
SBA loans in Clay (7(a))
- Approvals2
- Gross approval$175,000
- Average approval$87,500
- Median approval$87,500
- Largest approval$150,000
- Jobs supported12
- Jobs per approval6.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Clay, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clay
Flood risk in Clay
- NFIP communityTown of Clay
- NFIP community number540023
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/06/13
The Town of Clay participates in the National Flood Insurance Program as community 540023 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clay County, not Clay
Clay County context, not Clay figures
- Establishments in Clay County82
- Covered employment, Clay County1,693
- Average annual pay, Clay County$53,390
- Housing units permitted, Clay County1
Every figure in this section is published for Clay County as a whole and is not a measurement of Clay.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Clay questions, answered from the record.
How many people live in Clay, West Virginia?
378, in 152 households. Clay town covers 0.56 square miles of land, which is 678 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clay in?
Clay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
How much SBA lending goes to Clay businesses?
2 7(a) approvals totaling $175,000 since FY2020, across 1 lenders, median approval $87,500. These count approvals to borrowers whose address is in Clay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clay borrowers get paid back?
No rate is published for Clay. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Clay in the National Flood Insurance Program?
Yes. Clay appears in the FEMA Community Status Book as Clay, town of, community 540023, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Clay figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Clay.
Is zoning published for Clay?
No. Nothing on this page presents parcel level zoning.