Clayton, MO—63105
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Clayton, MO
As of Oct '25, the median home price in Clayton, MO is $773,000, with a year-over-year change of 3.1%. This indicates that home prices in Clayton, MO are increasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $773,000 | 3.1% |
| Single Family | $1,062,000 | 2.6% |
| Condos | $434,000 | 0.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $188,000 | 2.7% |
2 Bed | $408,000 | -0.2% |
3 Bed | $790,000 | 3.8% |
4 Bed | $1,133,000 | 2.5% |
| 5 Bed | $1,672,000 | 3.5% |
% of Housing Stock
Rental Trends — Clayton, MO
As of July '25, Rentcast reports the average rent in Clayton, MO is $2,180, with a year-over-year rent change of -1.4%. Per bedroom, the median rent as of July '25 in Clayton, MO is studios: $1,260, 1-bedrooms: $1,350, 2-bedrooms: $2,060, 3-bedrooms: $3,160, 4-bedrooms: $3,660. The most common rental property sizes in Clayton, MO are 2-bedroom and 1-bedroom, accounting for 54.5% and 29.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $2,180 |
| Studio Rent | $1,050 | $1,260 |
| 1 Bed Rent | $1,300 | $1,350 |
| 2 Bed Rent | $1,900 | $2,060 |
| 3 Bed Rent | $2,950 | $3,160 |
| 4 Bed Rent | $3,000 | $3,660 |
% of Rental Stock
Property Listings — Clayton, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Clayton, MO is 48. This is a decrease of -8.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $799,000 | -9.0% |
Listing Count | 86 | -1.0% |
| Listings as % of Homes | 0.9% | -1.0% |
Days on Market | 48 | -8.0% |
Demographics — Clayton, MO
As of the latest ACS Survey released in 2023, Clayton, MO has a population of 18,900, which has increased by 2.9% over the past 5 years. Clayton, MO is a moderately popular place for families, as children make up 17.8% of the population. The area has a highly educated workforce, with 84.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 19.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 18,900 | 2.9% |
% Under 18 | 17.8% | 20.3% |
% Seniors | 15.0% | 2.7% |
% WFH | 19.7% | 101.0% |
% w/ College Degree | 84.6% | 7.8% |
As of the latest ACS Survey released in 2023, Clayton, MO is a predominantly white area, with 69.3% of the population identifying as white. The white population has shrunk by 7.6% in the last 5 years. The second most common race or ethnicity in Clayton, MO is asian, making up 12.1% of the population. Foreign-born residents account for 13.6% of the population in Clayton, MO, and this percentage has increased by 3.8% 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 | 69.3% | -7.6% |
% Black | 8.5% | 30.8% |
% Hispanic | 3.8% | 31.0% |
% Asian | 12.1% | -7.6% |
% Foreign Born | 13.6% | 3.8% |
Mortgage and Risk — Clayton, MO
According to HUD data as of 2023, there were 196 mortgage originations in Clayton, MO, of which 99.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 10.0% above 90% LTV (elevated). This implies medium mortgage risk in Clayton, MO. Investor activity is low, as 4.0% 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 | 196 |
% Conventional Loans | 99.0% |
% Government Loans | 1.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Clayton, MO
As of 2024, the percent of homes in Clayton, MO under the Section 8 program is 0.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Clayton, MO, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 11 |
Total Units Section 8 | 11 |
% Rentals under Section 8 | 0.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $110 | $1,300 | $1,410 |
| 2 Bedroom | -$160 | $1,900 | $1,740 |
| 3 Bedroom | -$700 | $2,950 | $2,250 |
| 4 Bedroom | -$410 | $3,000 | $2,590 |
Affordability — Clayton, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.8 |
| Median Home Price | $773,000 |
| Median Household Income | $119,000 |