Clayton, DE—19938
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Clayton, DE
As of Oct '25, the median home price in Clayton, DE is $415,000, with a year-over-year change of 3.9%. This indicates that home prices in Clayton, DE are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $415,000 | 3.9% |
| Single Family | $416,000 | 3.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $270,000 | 5.1% |
3 Bed | $378,000 | 4.1% |
4 Bed | $463,000 | 2.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Clayton, DE
As of July '25, Rentcast reports the average rent in Clayton, DE is $1,790, with a year-over-year rent change of -15.6%. Per bedroom, the median rent as of July '25 in Clayton, DE is studios: $750, 2-bedrooms: $1,520, 3-bedrooms: $1,840, 4-bedrooms: $2,800. The most common rental property sizes in Clayton, DE are 3-bedroom and 2-bedroom, accounting for 70.8% and 15.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,600 | $1,790 |
| Studio Rent | $750 | $750 |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,520 | $1,520 |
| 3 Bed Rent | $1,800 | $1,840 |
| 4 Bed Rent | $2,800 | $2,800 |
% of Rental Stock
Property Listings — Clayton, DE
As of Oct '25, Realtor.com reports that the median days on market for a home in Clayton, DE is 69. This is a increase of 48.0% 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 30.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $454,000 | -2.0% |
Listing Count | 27 | 18.0% |
| Listings as % of Homes | 0.6% | 18.0% |
Days on Market | 69 | 48.0% |
Demographics — Clayton, DE
As of the latest ACS Survey released in 2023, Clayton, DE has a population of 9,870, which has increased by 12.0% over the past 5 years. Clayton, DE is a popular place for families, as children make up 28.1% of the population. The area has a poorly educated workforce, with 23.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 9,870 | 12.0% |
% Under 18 | 28.1% | 7.7% |
% Seniors | 13.4% | -6.3% |
% WFH | 5.2% | 33.3% |
% w/ College Degree | 23.4% | 52.9% |
As of the latest ACS Survey released in 2023, Clayton, DE is a predominantly white area, with 70.7% of the population identifying as white. The white population has shrunk by 6.9% in the last 5 years. The second most common race or ethnicity in Clayton, DE is black, making up 21.3% of the population. Foreign-born residents account for 5.0% of the population in Clayton, DE, and this percentage has increased by 51.5% 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 | 70.7% | -6.9% |
% Black | 21.3% | 45.9% |
% Hispanic | 4.8% | 14.3% |
% Asian | 1.6% | -15.8% |
% Foreign Born | 5.0% | 51.5% |
Mortgage and Risk — Clayton, DE
According to HUD data as of 2023, there were 154 mortgage originations in Clayton, DE, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Clayton, DE. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 154 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Clayton, DE
Clayton, DE lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 4 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | 1.7% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,450 |
| 2 Bedroom | $300 | $1,520 | $1,820 |
| 3 Bedroom | $700 | $1,800 | $2,500 |
| 4 Bedroom | -$50 | $2,800 | $2,750 |
Affordability — Clayton, DE
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $415,000 |
| Median Household Income | $96,300 |