Moss, Tennessee.
Typical home $211,783 (+2.8% in a year).
to buy the typical home at today's mortgage rate — +$448 (+67%) since Feb 2022.
- 1 year
- Up $5,706 +3%
- $206,077$211,783 since Sep 2025
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.
- Moss$1,112
- Tennessee$1,737
- United States$1,922
Typical home values in Moss, TN rose 2.8% over the past year — faster than the nation's +1.2%.
Living in Moss, Clay County, Tennessee
The Census does not count Moss on its own, so the figures here are Clay County's. Half the county's households earn more than $39,972 a year and half less; 24% of the county's people live below the poverty line. 74% of the county's homes are lived in by their owners and 26% are rented. Unemployment in Clay County was 3.8% in August 2026, and the county had 3.9% fewer jobs in 2025 than the year before. The most people in Clay County work in schools and health care, then construction.
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 It can be wrong or out of date.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. Moss is a small community in Clay County, Tennessee, where most homes are lived in by their owners, a larger share than across the country. Residents tend to be older than the national typical, and incomes sit below the country's usual level. A larger share of people live below the poverty line than across the country, which is worth knowing when weighing the cost of living.
Work. Schools, hospitals and social care, building trades, manufacturing and retail are the main kinds of work people here do. Unemployment has eased over the past year, although the county had fewer jobs in its most recent year than the year before. Fewer adults hold a degree than across the country, and few people work from home. The winters are cold with light snow, the summers are hot, and the county gets more rain and melted snow than most of the country.
Things to do. The Obey River lies a short drive away and is one of the closest rivers for those who enjoy time on the water. Dale Hollow National Fish Hatchery, also a short drive away, is a park where visitors can see how fish are raised. Old Mulkey Meetinghouse State Historic Site, a short drive away, is a protected area that preserves an early meetinghouse from the nineteenth century.
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- 3,486households
- 48.5median age
- 12%of adults have a degree
- 24%below the poverty line
- 28 mintypical commute
- 6%work from home
What people in Clay County work in
Employed residents by industry, from the Census survey. Clay County had 1,334 jobs in 2025, 3.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 24°; warmest in July, with highs near 90° and lows near 65°. About 5 inches of snow and 56 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Gainesboro weather station, 13 miles away (NOAA).
Largest workplaces in Clay County
- Clay County SchoolsSchool district179FTE
- V & F TransformerPower transformers, electric, manufacturing54
- East Coast PowerlineElectric power transmission line and tower construction50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 104 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
FEMA rates every natural hazard here relatively low or very low.
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.
Moss home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Moss$211,783
- Tennessee$330,844
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Moss5
Zip codes with a Moss address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Moss — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.