The median home in Clayton, Missouri is valued at $830,274, up 4.0% year over year. Typical monthly rent is $1,696, producing a price-to-rent ratio of 40.8x — well above the national average of 18x. Clayton is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$830,274
+4.0%
Rent$1,696/mo
AFFORDABILITYRenting $3,340/mo cheaper ($1,696 rent)6.50% 30yr, 20% down, county tax + MO ins. 28% per HUD.
Enter your income for Clayton.
$166,055 on $830,274
Out of reach — 80.6% of income
Need $215,829/yr to afford.
PITI$5,036
P/I80.6%
Afford$289K
Gap-$542K
P&I $4,198Tax $671Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Missouri
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Full St. Louis, MO-IL analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Louis, MO-IL metro.
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