Clayton, NY—13624
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Clayton, NY
As of Oct '25, the median home price in Clayton, NY is $309,000, with a year-over-year change of 2.4%. This indicates that home prices in Clayton, NY are increasing. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $309,000 | 2.4% |
| Single Family | $308,000 | 1.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $283,000 | 2.9% |
3 Bed | $300,000 | 1.0% |
4 Bed | $361,000 | 2.0% |
| 5 Bed | $606,000 | 1.5% |
% of Housing Stock
Rental Trends — Clayton, NY
As of July '25, Rentcast reports the average rent in Clayton, NY is $1,400, with a year-over-year rent change of 6.1%. Per bedroom, the median rent as of July '25 in Clayton, NY is studios: $500, 2-bedrooms: $2,300, 3-bedrooms: $1,390. The most common rental property sizes in Clayton, NY are 3-bedroom and 2-bedroom, accounting for 32.3% and 30.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,390 | $1,400 |
| Studio Rent | $500 | $500 |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,300 | $2,300 |
| 3 Bed Rent | $1,390 | $1,390 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Clayton, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Clayton, NY is 79. This is a increase of 14.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $683,000 | 42.0% |
Listing Count | 23 | -17.0% |
| Listings as % of Homes | 0.4% | -17.0% |
Days on Market | 79 | 14.0% |
Demographics — Clayton, NY
As of the latest ACS Survey released in 2023, Clayton, NY has a population of 4,440, which has decreased by -22.3% over the past 5 years. Clayton, NY is a less popular place for families, as children make up 13.9% of the population. The area has a moderately educated workforce, with 31.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,440 | -22.3% |
% Under 18 | 13.9% | -13.1% |
% Seniors | 24.3% | 43.8% |
% WFH | 4.4% | -21.4% |
% w/ College Degree | 31.4% | 44.7% |
As of the latest ACS Survey released in 2023, Clayton, NY is a predominantly white area, with 86.1% of the population identifying as white. The white population has grown by 1.7% in the last 5 years. The second most common race or ethnicity in Clayton, NY is black, making up 7.0% of the population. Foreign-born residents account for 4.1% of the population in Clayton, NY, and this percentage has increased by 41.4% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.1% | 1.7% |
% Black | 7.0% | -4.1% |
% Hispanic | 4.3% | -30.6% |
% Asian | 0.9% | 800.0% |
% Foreign Born | 4.1% | 41.4% |
Mortgage and Risk — Clayton, NY
According to HUD data as of 2023, there were 133 mortgage originations in Clayton, NY, of which 88.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Clayton, NY. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 133 |
% Conventional Loans | 88.0% |
% Government Loans | 12.0% |
% Investor Loans | 1.0% |
% Second Loans | 23.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Clayton, NY
Clayton, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 41 |
Total Units Section 8 | 41 |
% Rentals under Section 8 | 7.1% |
% Occupied Section 8 | 94.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $940 |
| 2 Bedroom | -$1,070 | $2,300 | $1,230 |
| 3 Bedroom | $270 | $1,390 | $1,660 |
| 4 Bedroom | N/A | N/A | $2,010 |
Affordability — Clayton, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.3 |
| Median Home Price | $309,000 |
| Median Household Income | $79,200 |