Market Overview
Home Prices in Clayton, AL
The median home value in Clayton, AL is $118,797 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.2% compared to a year ago and down 5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Clayton are priced71% below average. Clayton is part of the Eufaula, AL-GA metro area.
Over the past five years, Clayton home values have risen by approximately1.1%, reflecting modest growth in this market.
Price History
Clayton Home Price Trend
2020
$101,924
$102K
—
2021
$117,482
$117K
+15.3%
2022
$130,138
$130K
+10.8%
2023
$133,315
$133K
+2.4%
2024
$123,616
$124K
-7.3%
2025
$117,413
$117K
-5.0%
2026
$118,797
$119K
+1.2%
City Comparison
Clayton vs. National Median
🏠 Clayton
$118,797
National Median
$410,000
At $118,797, homes in Clayton cost 71% below the national median of $410,000. This makes Clayton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Clayton?
20% Down Payment
$23,759
on $118,797
Monthly P&I
$620/mo
30-yr @ 6.8%
Total Monthly Est.
~$787/mo
incl. taxes & insurance
Income Needed
$31,480
gross annual (30% rule)
10% Down Option
$11,880
+ PMI applies
Loan Amount (20% dn)
$95,038
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Clayton, AL?
The median home value in Clayton is $118,797 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.2% year-over-year.
How much have home prices changed in Clayton?
Over the past year, home values in Clayton have increased by 1.2%. Over five years, prices have risen approximately 1.1%.
How much do I need to earn to buy a home in Clayton?
To comfortably afford the median home price of $118,797 with a 20% down payment ($23,759) at today's rates (6.8%), you'd need a gross annual income of approximately $31,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Clayton compare to the national average home price?
The national median home value is approximately $410,000. At $118,797, homes in Clayton are 71% below the national average.
What metro area is Clayton part of?
Clayton is part of the Eufaula, AL-GA metropolitan area. Home prices and market conditions can vary across the broader metro region.