Mold Removal Cost And Risk In Clay County, TN

A typical professional mold job in Clay County runs about $1,250 to $5,100 before rebuild, using the Tennessee nonmetro price level. Below are the 2 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Tennessee rules.

1982Median year homes were built

47%Homes built before 1980

22%Homes rented, not owned

$136,900Median home value

3,987Housing units

7,621People

Housing figures from Census ACS 2019 to 2023.

Half the homes in Clay County were built before 1982, and 47 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out. About 22 percent of homes in Clay County are rented, so most households here carry an owner's policy on the building itself.

Housing age swings by neighborhood. ZIP 38575 has the oldest homes here, a median year of 1980, and ZIP 38551 the newest, 1981.

Typical Prices In Clay County

JobSizeNational RangeClay County Estimate
Mold Remediationa typical professional job$1,500 to $6,000$1,250 to $5,100
Mold Remediationan attic$2,000 to $7,500$1,700 to $6,350
Mold Inspection and Testinga visual inspection$200 to $600$150 to $500
Mold Inspection and Testingan inspection with samples$300 to $1,000$250 to $850
Mold Inspection and Testinga clearance test$300 to $800$250 to $700

Estimate is the national range times 84.9 divided by 100, the price level for the nonmetro part of the state, rounded to $50. National ranges from Remediational cost guide, price level from BEA Regional Price Parities 2024.

The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,100, that cap falls short by about $100 at the top of that range. Read the form

Water Hazards FEMA Rates Here

FEMA rates none of the water hazards below as high for Clay County.

HazardFEMA Risk Rating
Inland floodingVery Low
Coastal floodingNot Applicable
HurricaneVery Low
Cold waveRelatively Low
Winter weatherRelatively Low

Source FEMA National Risk Index, December 2025, county level.

ZIP Code Neighborhoods In Clay County

ZIPAreaMedian Year BuiltBuilt Before 1980Median Home Value
38551Clay County198148%$121,900
38575Clay County198050%$152,700

ZIP areas are Census ZIP Code Tabulation Areas, placed in the county that holds most of their land, per the Census 2020 ZIP relationship files.

Tennessee Rules On Mold

Who May Do Mold Work

Tennessee has no stand alone mold inspector license. Instead, the Board for Licensing Contractors has a Mold Remediation classification on its contractor license. Tennessee requires a contractor license for jobs of $25,000 or more, so a large mold job should go to a company licensed in that classification.

State law does not bar one company from both inspecting and remediating the same job, so hiring an independent inspector is your own choice. You can check a contractor’s license and classification on the state’s online license lookup.

Tennessee Board for Licensing Contractors

All Tennessee counties

Guides

Area Map

Clay County Area

Tennessee