States · West Virginia · Clay County

Duck, West Virginia.

Typical home $137,714 (+3.0% in a year). Charleston, WV metro.

What it costs per month · Duck $723/mo

to buy the typical home at today's mortgage rate — +$411 (+132%) since Jan 2020.

What the home itself did
1 year
Up $4,057 +3%
$133,657$137,714 since Sep 2025
5 years
Up $23,036 +20%
$114,678$137,714 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Duck $723 West Virginia $927 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Duck$723
  • West Virginia$927
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 19 years.

Typical home values in Duck, WV rose 3.0% over the past year — faster than the nation's +1.2%.

Living in Duck, Clay County, West Virginia

The Census does not count Duck on its own, so the figures here are Clay County's. 76% of the county's homes are lived in by their owners and 24% are rented. Unemployment in Clay County was 6.0% in August 2026, and the county had 7.1% fewer jobs in 2025 than the year before. The most people in Clay County work in schools and health care, then construction.

People 8,000 about, in Clay County: the Census does not count Duck on its own
Household income Too few homes in Clay County for the Census survey to measure.
Unemployment 6.0% Clay County, August 2026; 6.8% a year before
Homes 76% lived in by their owners; 24% rented

Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Duck is a small town in Clay County, in the hills of central West Virginia, where most homes are lived in by their owners. Many residents are older than people in much of the country, and a larger share live below the poverty line than across the country as a whole. Winters are cold and January is the coldest month, summers are warm with July the warmest, and snow falls most winters, along with a good deal of rain.

Work. Most people in the area work in schools, hospitals and social care, in the building trades, in government, or in shops. Jobs fell over the past year, and unemployment has eased from a year earlier but remains a concern for many families. Relatively few adults hold a four-year degree, and most people drive a long way to reach their jobs, with few working from home.

Things to do. Birch River runs in or beside the town, making it the most convenient place for a walk or a quiet afternoon by the water. The West Fork Little Kanawha River is a short drive away and offers another river setting close at hand. For a wider outing, the Gauley River National Recreation Area is a longer drive away and is a protected area of rivers and wild country.

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  • 2,972households
  • 45.4median age
  • 11%of adults have a degree
  • 26%below the poverty line
  • 45 mintypical commute
  • 7%work from home

What people in Clay County work in

  • Schools, hospitals and social care33%
  • Building trades13%
  • Government12%
  • Shops (retail)10%
  • Farming, forestry and mining6%
  • Professional and business services6%

Employed residents by industry, from the Census survey. Clay County had 1,572 jobs in 2025, 7.1% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 42° and 22°; warmest in July, 85° and 64° 20° 40° 60° 80° J 42° 22° F M A M J J 85° 64° A S O N D
Average daily high and low for each month: coldest in January, 42° and 22°; warmest in July, 85° and 64° 20° 40° 60° 80° J 42° 22° F M A M J J 85° 64° A S O N D

Coldest in January, with highs near 42° and lows near 22°; warmest in July, with highs near 85° and lows near 64°. About 17 inches of snow and 51 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Gassaway weather station, 10 miles away (NOAA).

Largest workplaces in Clay County

  1. Clay County SchoolsSchool district247FTE
  2. Wvnh EMPNursing care facilities79
  3. C S MasonryCement block laying35
  4. Pierson Lumber CompanyBoards, wood, made from logs or bolts24

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 138 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. LandslidesRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Clay County, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clay County and the Charleston, WV metro.

Duck home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 2019 2020 2021 2022 2023 2024 2025 2026 Duck $137,714 West Virginia $176,576 United States $366,157
$100,000 $200,000 $300,000 2020 2022 2024 2026
  • Duck$137,714
  • West Virginia$176,576
  • United States$366,157

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
falling flat warming hot overheating runaway

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

4 4 4 2026 Duck 4
4 4 4 2026
  • Duck4

Zip codes with a Duck address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Duck — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Duck