Market Overview
Home Prices in Clayton, NC
The median home value in Clayton, NC is $367,056 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.3% compared to a year ago and down 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Clayton are priced10% below average. Clayton is part of the Raleigh-Cary, NC metro area.
Over the past five years, Clayton home values have risen by approximately24.0%, reflecting strong long-term appreciation in this market.
Price History
Clayton Home Price Trend
City Comparison
Clayton vs. National Median
At $367,056, homes in Clayton cost 10% 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
$73,411
on $367,056
Monthly P&I
$1,914/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,431/mo
incl. taxes & insurance
Income Needed
$97,240
gross annual (30% rule)
10% Down Option
$36,706
+ PMI applies
Loan Amount (20% dn)
$293,645
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, NC?
The median home value in Clayton is $367,056 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.3% year-over-year.
How much have home prices changed in Clayton?
Over the past year, home values in Clayton have decreased by 1.3%. Over five years, prices have risen approximately 24.0%.
How much do I need to earn to buy a home in Clayton?
To comfortably afford the median home price of $367,056 with a 20% down payment ($73,411) at today's rates (6.8%), you'd need a gross annual income of approximately $97,240. 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 $367,056, homes in Clayton are 10% below the national average.
What metro area is Clayton part of?
Clayton is part of the Raleigh-Cary, NC metropolitan area. Home prices and market conditions can vary across the broader metro region.