Market Overview
Home Prices in Clayton, ID
The median home value in Clayton, ID is $530,908 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 17.8% compared to a year ago and up 9.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Clayton are priced29% above average.
Over the past five years, Clayton home values have risen by approximately42.6%, reflecting strong long-term appreciation in this market.
Price History
Clayton Home Price Trend
2020
$274,760
$275K
—
2021
$372,264
$372K
+35.5%
2022
$455,214
$455K
+22.3%
2023
$420,398
$420K
-7.6%
2024
$413,011
$413K
-1.8%
2025
$450,849
$451K
+9.2%
2026
$530,908
$531K
+17.8%
City Comparison
Clayton vs. National Median
🏠 Clayton
$530,908
National Median
$410,000
At $530,908, homes in Clayton cost 29% above the national median of $410,000. Buyers in Clayton should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Clayton?
20% Down Payment
$106,182
on $530,908
Monthly P&I
$2,769/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,517/mo
incl. taxes & insurance
Income Needed
$140,680
gross annual (30% rule)
10% Down Option
$53,091
+ PMI applies
Loan Amount (20% dn)
$424,726
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, ID?
The median home value in Clayton is $530,908 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 17.8% year-over-year.
How much have home prices changed in Clayton?
Over the past year, home values in Clayton have increased by 17.8%. Over five years, prices have risen approximately 42.6%.
How much do I need to earn to buy a home in Clayton?
To comfortably afford the median home price of $530,908 with a 20% down payment ($106,182) at today's rates (6.8%), you'd need a gross annual income of approximately $140,680. 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 $530,908, homes in Clayton are 29% above the national average.