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© 2026 OnePercent · Estimates carry bands, never promises.the line

813 S Main St, Clay City, IL 62824 — $99,000 · ~1.6% rule | OnePercent

813 S Main St, Clay City, IL 62824

$99,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Clay City 62824·813 S Main St, Clay City, IL 62824

Last confirmed 5 days ago

813 S Main St, Clay City, IL 62824

Clay City · SINGLE_FAMILY·source listing ↗

$99,000

rent, three ways

OnePercent model (vv1)$1,582/mo

p10–p90 confidence band

HUD Fair Market Rent · 62824 · $630/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Clay

Flood risk indexRelatively High FEMA NRI

Median household income$61,591

Median area rent$607/mo

Median home value$102,100

the verdict

1.60%vs 1.0% target

wide confidence band

Modeled rent: $1,582/morent estimate
Property tax: —listing
Insurance: $2,072/yrstate avg
HOA: Nonelisting

Cap rate: 12.4%
Cash flow: +$519/mo
Cash-on-cash: 27.3%

financing: 20% down · — (FRED, live) · 30yr

$99,000

1.60% · rent $1,582

Intrinsic value · income approach

$99,000

0% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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