40312
Clay City, Kentucky.
Clay City, Powell County, KY · population 5,994
to buy the typical home at today's mortgage rate — +$346 (+109%) since Jan 2020.
- 1 year
- Down $17,018 -12%
- $143,397$126,379 since Sep 2025
- 5 years
- Up $11,394 +10%
- $114,986$126,379 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 40312$663
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 37 years.
Typical home values in zip 40312 fell 11.9% over the past year — slower than the nation's +1.2%.
Zillow also publishes an index for the city itself: Clay City, KY — measured over the city limits, which is a different area from this zip.
Typical home value — 40312
Mid-tier homes, smoothed and seasonally adjusted.
- 40312$126,379
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 8.4 | 40380 | Stanton | 7,100 | — | $159,570 |
| 8.5 | 40337 | Jeffersonville | 5,244 | — | $207,192 |
| 9.2 | 40472 | Ravenna | 1,276 | — | $88,495 |
| 11.5 | 40336 | Irvine | 12,718 | — | $116,607 |
| 13.2 | 40385 | Waco | 2,233 | — | $243,064 |
| 14.0 | 40346 | Means | 819 | — | $159,126 |
| 14.6 | 40391 | Winchester | 36,796 | $1,431 | $252,174 |
| 15.3 | 40353 | Mount Sterling | 22,725 | $1,172 | $232,058 |
| 17.3 | 40322 | Frenchburg | 3,238 | — | $130,954 |
| 20.0 | 40358 | Olympia | 1,012 | — | $206,128 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.