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Clay County, North Carolina VA Home Loan Information

clay cntyThe 2021 $0 down, VA home loan limit for Clay County is $548,250.

Located on the southwestern edge of North Carolina, Clay County provides some of the best views of the beautiful landscape. Home of the Nantahala River and a portion of the Nantahala National Forest, Clay County has many opportunities for outdoor activities. The county was created in 1861 from a portion of Cherokee County. The county was named after famous American statesman, Henry Clay. Encompassing a total area of 221 square miles, Clay County is the third-smallest county in North Carolina. Clay County is an excellent place for artists, musicians, actors, and all other creative types. The total population is 10,581, including a veteran population of 1,365.

The Nantahala National Forest is one of the most beautiful locations in North Carolina and is easily accessed from Clay County. Nantahala is the largest national forest in North Carolina. For some of the best hiking, visit one of the trails in the Nantahala National Forest. Located along these trails are many beautiful sights, including overlooks and waterfalls. Be sure to look around for some of the diverse wildlife, including white-tailed deer, rabbits, and many species of birds. There is also a multitude of campsites in the Nantahala National Forest with many amenities.

If you are a fan of the water, then be sure to visit either the Nantahala River or the Hiwassee River. Both of these rivers are excellent places for boating, swimming, canoeing, kayaking, and more! Enjoy the warm shores of the Nantahala River for a relaxing summer day. The Hiwassee River is full of many different species of fish, which makes it a paradise for fishers. Take advantage of one of the many convenient boat ramps located along both rivers. The shores of these rivers are great places for a picnic with friends or family.

Golfers will enjoy the beautiful golf courses that can be found in Clay County. The Ridges Golf Course is an 18-hole course with everything you need for a fun day of golfing. Ridges provide visitors with golf cart rentals and a pro shop. There are also several golf events and classes held at the Ridges Golf Course throughout the year. Another great course in Clay County is Chatuge Shores.

There is a Veterans Office and several other veteran resources located in proximity to Clay County. Disability compensation, employment assistance, and property tax exemption eligibility are just a few of the benefits offered to veterans living in North Carolina. The median housing cost in the county is $154,700, and the median household income is $38,828.

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Clay County Property Search

Hayesville, Brasstown, Elf, Tusquittee, Warne

28734, 28902, 29804, 30582, 28904, 28741, 28906, 30546, 28909

For help finding a VA-approved home or condo in Clay County, contact VA Home Loan Centers.

Clay County Condo Search

There are not currently any VA-approved condos in Clay County. Call VA Home Loan Centers at 888-573-4496 for help getting your condo approved.

VFW Post

Post 6812 Allison-Bristol Post
PO Box 825
Hayesville, NC 28904
United States
Phone: (828) 389-3160

Meeting Location & Time
357 Anderson Street
Hayesville, NC 28904
United States
7:00 pm 2nd Thursday

Quartermaster: Philip Page
James Worley

Maximum VA Appraisal Fees Allowable in Clay County

  • Single Family: $400
  • 2-4 Units: $550
  • Condo: $450
  • Partial Releases: $450
  • Repair/Completion Certificates: $100


  1. North Carolina VA Loan Information: https://www.vahomeloancenters.org/north-carolina-maximum-military-mortgage-home-loan-amount-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/