Market Overview
Home Prices in Clayton, OK
The median home value in Clayton, OK is $169,561 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.2% compared to a year ago and up 5.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Clayton are priced59% below average.
Over the past five years, Clayton home values have risen by approximately38.0%, reflecting strong long-term appreciation in this market.
Price History
Clayton Home Price Trend
2020
$98,241
$98K
—
2021
$122,835
$123K
+25.0%
2022
$150,418
$150K
+22.5%
2023
$151,089
$151K
+0.4%
2024
$151,474
$151K
+0.3%
2025
$159,641
$160K
+5.4%
2026
$169,561
$170K
+6.2%
City Comparison
Clayton vs. National Median
🏠 Clayton
$169,561
National Median
$410,000
At $169,561, homes in Clayton cost 59% 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
$33,912
on $169,561
Monthly P&I
$884/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,123/mo
incl. taxes & insurance
Income Needed
$44,920
gross annual (30% rule)
10% Down Option
$16,956
+ PMI applies
Loan Amount (20% dn)
$135,649
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, OK?
The median home value in Clayton is $169,561 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.2% year-over-year.
How much have home prices changed in Clayton?
Over the past year, home values in Clayton have increased by 6.2%. Over five years, prices have risen approximately 38.0%.
How much do I need to earn to buy a home in Clayton?
To comfortably afford the median home price of $169,561 with a 20% down payment ($33,912) at today's rates (6.8%), you'd need a gross annual income of approximately $44,920. 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 $169,561, homes in Clayton are 59% below the national average.