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Indiana›Kosciusko County
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Clay TownshipIN

A town of 1,661.

Population
1,661
2025 Census estimate · +0.5% since 2020
Median home value
$199K
Census ACS
Household income
$92K
median
Median age
43.1
years
Jobs based here
213
A commuter town

Is Clay Township a good place to live?

The best of Clay Township’s subject grades is an A− for cost of living; the weakest is a D− for walkability. On walkability, just 37 of Indiana’s 1,097 towns do worse. Clay Township’s average trip to work is 32 minutes, above both Indiana’s towns (24 minutes) and U.S. towns (25 minutes). Clay Township has fewer than 2,500 residents, so it gets subject grades but no overall grade.

StrongestAHazard riskA−Cost of livingWeakestD−Walkability

What makes Clay Township stand out

Where Clay Township beats most towns.

24Low riskLowerHigher
Natural hazardsA
Low risk of storm and flood damage
FEMA National Risk Index.
Warsaw Community Schools
SchoolGradesStudents
Claypool Elementary SchoolPK–6253
SchoolsB+
On state tests and graduation
NCES · EDFacts.
A commuter town

99% of working residents leave Clay Township for work

Where Clay Township’s working residents go each day. Line width shows the share.

32% → Warsaw Warsaw 32% 4% → Fort Wayne Fort Wayne 4% 3% → Pierceton Pierceton 3% 3% → North Manchester North Manchester 3% 3% → Wayne Township Wayne Township 3% 3% → Winona Lake Winona Lake 3% Clay Township · 1% stay
213jobs based in Clay Township
1%of working residents work in town
10 mimedian commute distance

Census LEHD 2023

How Clay Township grades

Each subject compared with towns across the country (schools within Indiana), ordered by how far Clay Township is from typical.

How grading works

WalkabilityEPA walkability 3 of 20; 0.2% of households have no car; 0% of workers walk, bike or ride transitD−Open →Hazard riskFEMA risk higher than 24% of U.S. communities; inland flooding tops the listAOpen →Cost of livingTypical home $199K, 2.6 years of the Warsaw area’s $75K median household incomeA−Open →SchoolsB+Open →HealthKosciusko Community Hospital 7.6 miles awayCOpen →Jobs & income$92K median household incomeB+Open →
Character Graded, but not part of the overall grade.
Outdoors1 mile of trail; 2% conserved landDOpen →HistoryBOpen →Civic life1.3 community nonprofits per 1,000 residentsCOpen →
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.
Climate–Open →Who lives here–Open →

How TownRatings grades towns →

Getting set up

Moving to Clay Township: who provides what

Who provides power, water and the rest in Clay Township, and how to reach them.

The full setup list →
PowerNIPSCO22.1¢/kWh · EIA 2025HIFLD · EIA
WaterIndiana American Water - ClaypoolNo health-based violations in 5 years · EPAEPA
Internet9 providers100% of addresses get 100/20 MbpsFCC
Trash & dumpNot on file yetWe don’t have Clay Township’s trash rules yet
SchoolsWarsaw Community SchoolsWhich school depends on your addressNCES
Register to voteOnlineIn Indiana you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.gov
Who runs elections hereKosciusko County Circuit Court ClerkKosciusko County; contacts on the Handbook page.FVAP, Sep 2025
ZIP codes46510, 4658046510 83% · 46580 17%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.

The data

Ordered by what stands out in Clay Township.

Work & commuteJobs & income grade B+

A smaller share of working residents work locally in Clay Township than in most of Indiana or the rest of the country

0.9% of Clay Township working residents work locally, where Indiana’s towns sit at 11% and U.S. towns at 8%. Since 2013, Clay Township has added 61 jobs, to 213 in 2023. 5.3% of Clay Township residents live below the poverty line.

1%work in town
Clay TownshipIndiana townsU.S. towns
Working residents who work in town0.9%11%8%
Below the poverty line5.3%10%9.6%
Median household income$92,000$71,000$80,000

Where working residents work

In Clay Township1%
Warsaw32%
Fort Wayne4%
Pierceton3%
North Manchester3%
10 mi
median commute distance
213
jobs based in Clay Township
A commuter town
jobs vs. working residents
D−
Walkability grade: more walkable than 1% of U.S. towns
Full pageClay Township’s work & commute pageOpen the page
The jobs here213 jobs based here · A commuter townWhere people work1% work in Clay TownshipCommute times32 minutes · The average commuteHow far they goHalf commute less than 10 miles

Census LEHD 2023 · ACS

SchoolsB+

Public schools in Clay Township beat 73% of Indiana districts

Its public schools are run by the Warsaw Community Schools. Its one school is below.

73%of IN districts it outscoresB+School Grade
SchoolLevelStudentsLetter
Claypool Elementary SchoolLargest public elementary schoolGrades PK–6Grades PK–6253B−
Full pageClay Township’s schools pageOpen the page
The districtsWarsaw Community SchoolsVs. the neighborsAhead of 2 of its 3 graded neighborsEvery school1 school · Claypool Elementary SchoolQuestions“Are Clay Township’s schools good?”

NCES · EDFacts · graded within IN on state tests and graduation

Natural hazardsHazard risk grade A

Clay Township faces a low natural-hazard risk, led by inland flooding

Expected storm and flood damage is lower than in 76% of U.S. communities.

24risk score of 100
FEMA risk score
24Low riskLowerHigher
Inland floodingCold wavesTornadoes
Full pageClay Township’s hazards pageOpen the page
What it facesLow riskFlood claims0 paid flood claims · No paid flood claims on recordPast disasters16 disaster declarations · Declared for the countyGet ready0.5 events a year, on average · Ready for inland flooding

FEMA National Risk Index · OpenFEMA

HealthC

On CDC estimates, Clay Township is less healthy than 68% of U.S. towns

Clay Township beats the Indiana average on 1 of 32 CDC measures and trails it on 0. 40% of adults have high blood pressure in Clay Township.

32%healthier than U.S. townsCHealth Grade
Clay TownshipIndiana townsU.S. towns
High blood pressure (CDC PLACES)40%39%35%
Smoke cigarettes (CDC PLACES)18%17%14%
Get no exercise (CDC PLACES)27%26%25%
Depression (CDC PLACES)26%26%23%
32 measures vs. Indiana
1 better31 too close to call0 worse
What stands outClay TownshipIN
Fewer adults facing a utility shut-off7%8.4%
Kosciusko Community Hospital
7.6 mi away · emergency room
2 of 3
care shortages: dental, mental health
Full pageClay Township’s health reportOpen the page
Everyday habitsMore smokersHospitals & doctors nearby7.6 miles to an ER · Kosciusko Community HospitalHow adults are doingMore adults in frequent physical distressEvery CDC estimateBetter than IN on 1 of 32

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

Climate

In Clay Township, expect four seasons and pleasant summers

Clay Township has chilly, snowy winters and pleasant summers. July afternoons reach 84°, January nights drop to 17° and about 32 inches of snow falls in a winter.

32″snow a winter

Typical low → high °F

Winter20–35°
Spring39–60°
Summer60–82°
Fall42–63°
Oct 18
typical first frost
Apr 28
typical last frost
+1.1°
vs. the 20th-century average
Full pageClay Township’s climate pageOpen the page
A year of weatherJuly highs 84°, January lows 17°Rain & snow32″ of snow a winter · 39 inches of rain and snow a yearHeating & coolingMostly a heating billThen and now+1.1° vs. the 20th century · Warmer than the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

Who lives here

Fewer children than Indiana overall

Children under 18 are 18% of residents (23% statewide). Clay Township’s median age is 43.1 years. 24% of adults 25 and older have a bachelor’s degree or more, vs 30% across Indiana.

43.1median age · IN 38.1
Clay TownshipIndiana townsU.S. towns
Under 1818%23%22%
Median age43.1 years39.4 years40.5 years
Aged 65 or older17%18%18%
Bachelor’s degree or more, 25+24%22%29%
Clay TownshipIndianaUnited States

Ages · share of residents

Education · adults 25 and older

No diploma7%
High school50%
Some college14%
Associate’s5%
Bachelor’s17%
Graduate8%

Women and men · all residents

56% women, 44% men

That’s an even split within the survey’s margin of ±6.5 points. Across Indiana, 50.4% of residents are women.

Ages and education in Clay Township
Clay TownshipINU.S.
Under 107.6%12.4%11.6%
10 to 1710.4%10.9%10.3%
18 to 249.2%9.6%9.1%
25 to 3415.3%13.1%13.7%
35 to 449.9%12.7%13.2%
45 to 5419.3%12%12.2%
55 to 6411.5%12.5%12.7%
65 to 743.9%10.1%10.2%
75 and older12.9%6.7%7%
No diploma6.9%9.6%10.4%
High school49.6%32.5%26%
Some college14.3%19.3%19.1%
Associate’s4.7%9.1%8.8%
Bachelor’s16.5%18.7%21.6%
Graduate7.9%10.8%14.1%
Full pageClay Township by the numbersOpen the page
Ages43.1 median age · 17% are 65 or olderSchooling24% have a four-year degreeHomes94% own their home · HomeownersIncome$92K a year · Median household income

U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 1,700, single groups can be off by several points

OutdoorsD

1.5% of Clay Township is conserved land

1.0 miles of trail in 0 parks and preserves.

1.5%conserved
1.5%
conserved · 288 of 18,966 acres
1.0 mi
of trails · 0 per sq mi
Full pageClay Township’s outdoors pageOpen the page
Trail map1.0 miles of trail, mappedPick a walkPick a walkConserved land1.5% conserved · 288 acres protectedQuestions“Where can I hike in Clay Township?”

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Keep exploring

Everything we know about Clay Township

17pages on Clay Township
The big questions
SchoolsB+Beat 73% of IN districts · 1 schoolHealthCBetter than IN on 1 of 32 CDC measuresCost of livingA−Work & commuteB+$92K median household income · 213 jobs hereNatural hazardsAFEMA risk higher than 24% of U.S. communities · inland flooding
Out and about
OutdoorsD1 mi of trails · 2% conserved landPlacesAttractions25 nearby · Forks of the Wabash 24 miLibraryCWarsaw Community Public LibraryCollegesGrace College and Theological Seminary is 6.4 mi away
The story
Town Hall & politicsClimate84° summer highs · 32″ of snow
Day to day
NewsWeatherHandbookTown SquareNeighbors
After high school

Colleges nearby

2 within 15 miles of the center of Clay Township

Grace College and Theological SeminaryUniversity or college · Private nonprofit · Winona Lake6.4 mi$31,200 tuitionManchester UniversityUniversity or college · Private nonprofit · North Manchester9.7 mi$37,135 tuition

About 2 of every 100 Clay Township residents are enrolled in college, against 6 across Indiana.

Prices by family income, graduation and earnings →

About Clay Township

Township in Indiana, United States

Clay Township is one of the 17 townships in Kosciusko County, Indiana, United States. As of the 2020 census, its population was 1,657, a decrease from 1,712 at 2010 and it contained 753 housing units.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Area
30 sq mi
Elevation
896 ft

Clay Township’s neighbors

3 towns share a border with Clay Township.

Explore the map →
Lake TownshipSeward TownshipMonroe TownshipLake TownshipSeward TownshipMonroe TownshipClay Township
Lake Township
S
Visit
Seward Township
W
Visit
Monroe Township
E
Visit
How the neighbors grade
TownIN rankOverallCostSafetySchoolsHealth
Clay Township——A−—B+C
Lake Township——A—B+C
Seward Township——A+—B+C
Monroe Township——A—C+C

Clay Township, Lake Township, Seward Township and Monroe Township have fewer than 2,500 residents, so they get subject grades but no overall grade. Clay Township, Lake Township, Seward Township and Monroe Township report no FBI crime data of their own. Compare Clay Township with a neighbor →

Questions about Clay Township

Short answers, built from the data on this page.

Is Clay Township, IN expensive?

Not for the area. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades A−.