countyscore
45.5
County Score
Income & Jobs 89.3Soil Quality 76.2Lawn Care 75.9

County Report Card

About Clay County, Missouri

Trailing the National Median

Clay County's composite score of 45.5 sits just below the national median of 50.0. While it is a hub for wealth and health, it is held back by high costs and environmental risks. It represents a classic suburban trade-off between convenience and expense.

A Sub-Average Score in the State

With a 45.5, Clay County falls slightly behind Missouri's state average of 50.3. Despite its high status in the Kansas City metro, the cost of living and tax burden drag its overall ranking down. It remains a prosperous area, but one that requires a high financial entry point.

Elite Income and Healthcare Access

Clay County is an economic engine, boasting an income score of 89.3 and a median income of $86,150. This is paired with a strong health score of 73.8, indicating excellent access to medical services. Residents are generally well-compensated and well-cared for.

Navigating High Costs and Taxes

The county's primary struggles are a cost score of 13.4 and a tax score of 31.1, driven by an effective tax rate of 1.099%. Environmental risk is also a concern with a score of only 10.2. These factors make it a more volatile and expensive place to live than its neighbors.

A Haven for Career-Focused Families

Clay County is the destination for those who want to be in the center of the action and have the income to afford it. It is best for professionals who prioritize great healthcare and high earning potential over low taxes. If you can handle the cost, the amenities and schools offer a strong suburban lifestyle.

2040608010031.113.454.273.858.389.310.234.552.6Tax31.1Cost13.4Safety54.2Health73.8Schools58.3Income89.3Risk10.2Water34.5Weather52.645.5/100
This county
National avg
2 above average4 below average

Clay County DNA

Foverall

How Clay County compares to the national average across 9 dimensions

Clay County is a tale of two counties — exceptional in Income (89.3/100) but notably weak in Disaster Risk (10.2/100). This polarized profile creates distinct trade-offs for residents.

Dimension Breakdown

Tax
31.1-20.9
Cost
13.4-34.6
Safety
54.2
Health
73.8+23.799999999999997
Schools
58.3
Income
89.3+38.3
Risk
10.2-36.8
Water
34.5-23.5
Weather
52.6
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Can You Afford to Live Here?

Median Home Price

$256,400

National median: $174,650

Median Rent

$1,220/mo

National median: $854/mo

Income Needed (home)

$256,400/yr

28% front-end rule

Income Needed (rent)

$48,800/yr

30% rent rule

Affordability Spectrum3.0x income
AffordableNational avgExpensive
Local median income: $86,150/yr
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Economic & Education Snapshot

Primary Care

37.2

per 100K

Data from Federal Reserve (FRED), U.S. Department of Education College Scorecard, and CMS NPPES.

Explore this county

Property Taxtaxbycounty.comCost of Livingcostbycounty.comIncome & Jobsincomebycounty.comSafetycrimebycounty.comHealthhealthbycounty.comSchoolsschoolsbycounty.comDisaster Riskriskbycounty.comWater Qualitywaterbycounty.comWeather & Climateweatherbycounty.comSoil Qualitysoilbycounty.comLawn Carelawnbycounty.comFarmers Marketsmarketsbycounty.comView on Mapcountyscore.com/map
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Counties with similar scores

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Seminole County
Georgia
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Ulster County
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Caldwell County
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Beaufort County
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Hickman County
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Gillespie County
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Median income: $67,799
45.5

Nearby counties

Jackson County
Missouri
35.7
Wyandotte County
Kansas
37.4
Platte County
Missouri
45.2
Ray County
Missouri
42.2
Clinton County
Missouri
47.7
Johnson County
Kansas
42
Leavenworth County
Kansas
39.9
Lafayette County
Missouri
56.2

Deep Dives

Clay County across the ByCounty Network

Detailed analysis from 11 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Clay County

via TaxByCounty

Clay has the state's highest tax rate

Clay County's effective tax rate of 1.099% sits well above the national median of 0.93%, making it one of the highest-tax counties in America. Homeowners here pay $2,817 annually on a $256,400 median home, approaching the national median tax bill despite similar home values.

Highest effective rate in Missouri

Clay County claims the highest effective property tax rate among Missouri's 114 counties at 1.099%, significantly outpacing the state average of 0.733%. Its median tax of $2,817 more than doubles Missouri's median of $1,199, reflecting the county's hefty tax burden.

Dramatically higher taxes than nearby counties

Clay County's 1.099% rate far exceeds all regional peers: Carroll (0.844%), Cass (0.879%), Cedar (0.587%), and Clark (0.969%). Only statewide comparison shows Clark approaching Clay's elevated tax pressure.

Nearly $2,800 yearly on typical home

A typical Clay County homeowner with a $256,400 home pays $2,817 in annual property tax, or about $235 per month. With a mortgage, escrow increases that to $2,885 as it bundles insurance, levies, and other property-related costs.

Appeals offer biggest savings potential here

Clay County's highest-in-state tax rate makes assessment challenges especially valuable—even small reductions in assessed value yield substantial annual savings. If you suspect overassessment, a free appeal is a smart financial move that could save you hundreds annually.

Full property tax analysis on TaxByCounty

Cost of Living in Clay County

via CostByCounty

Clay's premium costs exceed national norms

Clay County renters face a 17.0% rent-to-income ratio, slightly above the national average near 16%, while median rent of $1,220 ranks among Missouri's highest. With a median household income of $86,150—about 15% above the national median—Clay's premium housing reflects the county's position as a prosperous Kansas City suburb.

Kansas City's priciest county housing market

Clay County's $1,220 median rent significantly exceeds Missouri's $768 state average, while its 17.0% rent-to-income ratio surpasses the state's 15.6%. Clay stands out as Missouri's most expensive county for renters, though higher incomes partially offset these elevated costs.

Most expensive suburban option in region

Clay County commands the highest median rent ($1,220) among all surveyed counties, exceeding neighboring Cass County's $1,147 and Christian County's $979. Its median home value of $256,400 similarly ranks among the highest, positioning Clay as the region's premium residential destination.

Highest costs, highest incomes collide

On a median household income of $86,150, Clay County residents allocate $1,220 monthly to rent (17.0%) or $1,367 to mortgage payments. While these absolute costs are the region's highest, they consume less than one-fifth of income, reflecting Clay's affluent demographic.

Clay for Kansas City's top earners

Clay County suits households earning $85,000 or more, particularly those prioritizing premium suburban schools and proximity to Kansas City's employment core. Compare Clay's $1,220 rent against your household income—it's an excellent fit for dual-earner professional families seeking Missouri's most affluent suburbs.

Full cost of living analysis on CostByCounty

Income & Jobs in Clay County

via IncomeByCounty

Clay County exceeds national income

Clay County's median household income of $86,150 surpasses the national median of $74,755 by $11,395—a 15% advantage. This Kansas City suburb ranks in the top quartile nationally and reflects the region's strong professional employment base.

Second-wealthiest Missouri county

Clay County ranks as Missouri's second-most prosperous county with median household income of $86,150, exceeding the state average by $26,647. Per capita income of $42,336 is the highest or near-highest in the state, indicating widespread individual earnings power.

Peer to Cass County prosperity

Clay County ($86,150) matches Cass County ($87,413) as a Kansas City prosperity leader, both vastly outpacing all other comparison counties. The counties represent the region's most desirable address for affluent families and corporate professionals.

Housing affordable despite premium

Clay County households spend 17.0% of income on rent—slightly above Cass County but well within the 30% affordability threshold. With median home values at $256,400 and robust household incomes, homeownership and wealth accumulation are accessible to most families.

Advanced wealth strategies

Clay County's top-tier incomes support sophisticated wealth strategies including 529 college savings plans, charitable giving accounts, and real estate investment diversification. Families should work with financial advisors to optimize tax efficiency and create generational wealth.

Full income & jobs analysis on IncomeByCounty

Safety in Clay County

via CrimeByCounty

Clay County maintains a high safety rating

With a total crime rate of 1,035.2 per 100K, Clay County is much safer than the national average of 2,385.5. The county boasts a high safety score of 98.4 out of 100.

One of Missouri's safer metropolitan counties

Clay County’s safety score of 98.4 is higher than the Missouri average of 97.0. Its crime rate is nearly half the state average of 1,926.2 per 100K people.

A secure choice compared to neighbors

Clay County is far safer than neighboring Cass County, which reports a massive crime rate of 33,157.5. It stands out as a regional pocket of safety despite its large population and 11 reporting agencies.

Very low violent and property crime

The violent crime rate is only 113.4, which is roughly one-third of the national average. Property crime also remains low at 921.8 per 100K, compared to 2,015.7 nationally.

Maintain vigilance in your neighborhood

Even in safe counties like Clay, property crime still occurs occasionally. Participating in a neighborhood watch and keeping your home well-lit at night helps maintain these excellent safety numbers.

Full safety analysis on CrimeByCounty

Schools in Clay County

via SchoolsByCounty

A Massive Education Hub with Eighty Schools

Clay County is a major educational center in Missouri, featuring 80 public schools and serving 41,675 students. The extensive network includes 44 elementary, 13 middle, and 16 high schools, plus several specialized alternative programs. This infrastructure supports six districts that range from urban centers to rural towns.

Leading the State in Graduation Success

Clay County's 96.0% graduation rate is among the highest in Missouri, far surpassing the 91.3% state average and 87% national average. The county spends $6,414 per student, aligning with the state's average investment while delivering an impressive school score of 55.4. This high performance indicates an exceptionally effective educational environment.

North Kansas City and Liberty Giants

North Kansas City 74 is the county’s largest district, managing 34 schools and over 20,500 students. Liberty 53 is also a major player with 20 schools and 12,367 students, together making up the bulk of the county's enrollment. Despite the large student population, the county does not currently have any charter schools.

From City Centers to Suburban Campuses

Clay County offers unmatched diversity in locales, with 30 city schools, 27 suburban schools, 14 in towns, and 9 in rural areas. The average school size is 556, but Liberty North High School is a standout with 2,326 students. This variety ensures every family can find a school environment that fits their specific needs.

Discover Homes Near Top-Performing Schools

With a 96% graduation rate, Clay County is one of the premier destinations for families in the Kansas City region. Homes in Liberty or the North Kansas City district offer access to some of the state's most successful public schools. The sheer variety and quality of schools make this county a powerhouse for residential real estate.

Full schools analysis on SchoolsByCounty

Disaster Risk in Clay County

via RiskByCounty

Clay County faces highest risk

Clay County scores 89.79—the highest among these eight counties and well above Missouri's state average of 50.56—earning a Relatively Moderate national rating. The county's extreme tornado exposure (96.18) and severe flooding (87.75) create the most challenging disaster risk profile in the region.

Missouri's riskiest county

Clay County ranks among Missouri's highest-risk jurisdictions, with a 89.79 score driven by exceptional tornado and flood vulnerability. Few Missouri counties face comparable natural disaster exposure.

Severe hazards dominate

Clay County's 89.79 score far exceeds all nearby counties, including Christian County (66.48) and Cass County (74.90). Its tornado risk of 96.18 stands as the highest recorded across these eight counties, making it a distinct severe-weather hotspot.

Tornadoes and flooding rule

Tornadoes present an extreme threat with a 96.18 risk score—the highest in the region—while flooding (87.75) poses an equally serious secondary hazard affecting basements, crawl spaces, and low-lying structures. Earthquake (63.71) and wildfire (69.12) risks compound the exposure.

Multi-layer protection critical

Clay County residents must invest in safe rooms or shelters, ensuring homeowners insurance includes tornado coverage with high limits and guaranteed replacement cost. Flood insurance is essential for any property near rivers, creeks, or low areas; review coverage annually and maintain emergency supplies year-round.

Full disaster risk analysis on RiskByCounty

Water Quality in Clay County

via WaterByCounty

Frequent Health Violations Result in Grade F

Clay County recorded 56 health violations over the last five years, earning a Grade F. Despite the high number of incidents, the rate of 48.3 per 100K remains below the Missouri state average of 81.5.

Watershed Assessments Not Yet Recorded

No local water bodies in Clay County are currently covered in the federal §303(d) assessment. This means federal agencies have not yet officially graded the county's streams for chemical or biological impairment.

Deep Monitoring of Organics and Pesticides

With 24 sites and 3,987 measurements, Clay County has a dense monitoring footprint. The data highlights a strong focus on tracking pesticides and organic pollutants in the local water supply.

Little Platte River Reaches Critical Low

The Little Platte River at Smithville is flowing at a mere 14 cfs, just 8% of its long-term mean. This represents an extreme drought condition that can significantly impact local water intake quality.

Extreme Low Flow Demands Caution

Given the high number of violations and the critical 8% streamflow, residents should be alert for changes in water taste or color. Use of high-quality water filters is advised to manage risks from concentrated pollutants during this drought.

Full water quality analysis on WaterByCounty

Weather & Climate in Clay County

via WeatherByCounty

Classic four-season climate

Clay County averages 54.5°F annually, sitting right in the middle of the national climate distribution. This humid continental zone experiences distinct seasonal changes.

Typical Kansas City weather

The county is slightly cooler than the state average of 54.9°F. It represents the standard climate experience for the northern Kansas City metropolitan region.

Heavier snow than southern peers

Clay leads this group in snowfall with 15.2 inches, nearly three times the amount seen in Cedar County. It remains drier than the state average with 39.8 inches of annual rain.

Cold winters and hot peaks

Extreme heat hits for 38 days each year when temperatures exceed 90°F. Winter averages 31.4°F, which is notably colder than counties in southern Missouri.

Winterize for snow and ice

Winterize your home and vehicle to handle the 15.2 inches of annual snowfall. Summer planning should account for over five weeks of temperatures topping 90°F.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Clay County

via SoilByCounty

Clay County’s Top-Tier Soil

Clay County boasts a premier soil score of 76.2 and a near-perfect pH of 6.52. This matches the national median almost exactly, providing one of the most favorable chemical environments for plants in Missouri.

Silt-Dominated Productivity

The soil is 61.2% silt and 26.1% clay, with very little sand at just 12.2%. This high silt content makes for a very smooth, fertile soil that holds both nutrients and structure exceptionally well.

Exceptional Water and Nutrients

An available water capacity of 0.200 in/in ensures that crops have access to water even during dry spells. Combined with 2.72% organic matter, this soil provides a rich, reliable medium for high-yield gardening.

Stable and Productive Land

Though specific taxonomic orders and drainage classes are broadly categorized, the high score indicates very few limitations for land use. The heavy silt and clay profile suggests a stable foundation for both agriculture and development.

Perfect Planting in Zone 6a

The combination of ideal pH and high water capacity makes Clay County a gardener’s dream in Zone 6a. Whether you are planting flowers or food, these soils are ready to support a thriving, lush landscape.

Full soil quality analysis on SoilByCounty

Lawn Care in Clay County

via LawnByCounty

Strong lawn performance in Clay County

Clay County earns a high lawn difficulty score of 75.9, making it significantly easier to maintain a lawn here than in the average US county. This score also beats the Missouri state average of 63.7. The 6a Hardiness Zone provides a reliable framework for consistent turf health.

Classic Missouri climate for active growth

The county sees 39.8 inches of annual rain and 4023 growing degree days, providing plenty of energy for grass. While there are 38 extreme heat days, they are balanced by a climate that generally supports cool-season turf. This environment allows for a vigorous mowing and maintenance schedule.

Ideal pH levels simplify lawn care

The average soil pH is 6.52, falling perfectly within the most productive range for residential grass. Soil consists of 26.1% clay and only 12.2% sand, which helps the ground retain the moisture it receives. Regular core aeration is recommended to prevent this clay-heavy soil from compacting over time.

Watch for emerging dry conditions

Clay County has faced 17 weeks of drought over the past year, and the entire county is currently abnormally dry. However, the absence of severe drought (0.0% D2+) means that most lawns are still in good health. Simple conservation steps like raising mower blades can help the grass shade its own roots.

Time your planting for the late spring

For best results in Zone 6a, wait for the last frost on April 18 before beginning major spring seeding. The first fall frost on October 20 marks the end of the primary growing season. Selecting a high-quality Tall Fescue blend will take advantage of these local conditions.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Clay County's county score?
Clay County, Missouri has a composite county score of 45.5 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Clay County rank among counties in Missouri?
Clay County ranks #75 among all counties in Missouri on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Clay County, Missouri?
The median annual property tax in Clay County is $2,817, with an effective tax rate of 1.10%. This earns Clay County a tax score of 31.1/100 on CountyScore (higher = lower taxes).
What is the median household income in Clay County?
The median household income in Clay County, Missouri is $86,150 per year according to U.S. Census Bureau data. Clay County earns an income score of 89.3/100 on CountyScore.
Is Clay County, Missouri a good place to live?
Clay County scores 45.5/100 on CountyScore's overall county ranking, ranking #75 in Missouri. The best way to evaluate Clay County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Clay County with other counties side by side.
By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

ByCounty Network

Property TaxCost of LivingIncome & JobsSafetyHealthSchoolsDisaster RiskWater QualityWeather & ClimateSoil QualityLawn CareFarmers Markets

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.