Clay City, KY

The affordability dashboard for Clay City, KY aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 5,898 residents, then layers in county-level federal data to produce an overall grade of F (39/100). The headline inputs are median household income of $42,564, median home value of $144,600, median rent of $711 per month, and 11.3% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $866 per month (studio $619, 1BR $660, 3BR $1,204, 4BR $1,453). Department of Labor data lists infant center-based childcare at $10,126 per year, consuming 24% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education, childcare. Unemployment currently reads 3.3% and poverty 23.1% — numbers worth keeping alongside the headline grade.