Clayton, IN—46118
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Clayton, IN
As of Oct '25, the median home price in Clayton, IN is $321,000, with a year-over-year change of 1.7%. This indicates that home prices in Clayton, IN are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $321,000 | 1.7% |
| Single Family | $321,000 | 1.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $208,000 | 2.0% |
3 Bed | $316,000 | 1.6% |
4 Bed | $381,000 | 2.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Clayton, IN
Clayton, IN lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,350 | $1,350 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,350 | $1,350 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Clayton, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Clayton, IN is 73. This is a increase of 1.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $346,000 | -16.0% |
Listing Count | 16 | 28.0% |
| Listings as % of Homes | 0.5% | 28.0% |
Days on Market | 73 | 1.0% |
Demographics — Clayton, IN
As of the latest ACS Survey released in 2023, Clayton, IN has a population of 4,340, which has decreased by -12.2% over the past 5 years. Clayton, IN is a moderately popular place for families, as children make up 20.0% of the population. The area has a poorly educated workforce, with 22.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,340 | -12.2% |
% Under 18 | 20.0% | -14.5% |
% Seniors | 21.0% | 14.8% |
% WFH | 9.3% | 138.5% |
% w/ College Degree | 22.7% | 29.7% |
As of the latest ACS Survey released in 2023, Clayton, IN is a predominantly white area, with 96.3% 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, IN is black, making up 1.5% of the population. Foreign-born residents account for 0.8% of the population in Clayton, IN, and this percentage has decreased by 38.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 96.3% | 1.7% |
% Black | 1.5% | -11.8% |
% Hispanic | 1.5% | 87.5% |
% Asian | 0.3% | -57.1% |
% Foreign Born | 0.8% | -38.5% |
Mortgage and Risk — Clayton, IN
According to HUD data as of 2023, there were 179 mortgage originations in Clayton, IN, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Clayton, IN. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 179 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Clayton, IN
Clayton, IN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,040 |
| 2 Bedroom | N/A | N/A | $1,220 |
| 3 Bedroom | $240 | $1,350 | $1,590 |
| 4 Bedroom | N/A | N/A | $1,920 |
Affordability — Clayton, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $321,000 |
| Median Household Income | $77,500 |