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.

Home Value$830,274

+4.0%

Rent$1,696/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$166,055 on $830,274

Example: $75,000 household income. Change it above to see your own.

Out of reach80.6% of income

Need $215,829/yr to afford.

PITI$5,036

P/I80.6%

Afford$289K

Gap-$542K

P&I $4,198Tax $671Ins $167

Renting $3,340/mo cheaper ($1,696 rent)6.50% 30yr, 20% down, county tax + MO ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Missouri

Compare Clayton with other housing markets across Missouri.

Huntleigh$2.29M Village of Loch Lloyd$1.29M Ladue$1.27M Westwood$1.24M Frontenac$1.2M Town and Country$1.09M Clarkson Valley$876K Lake Winnebago$800K

Full St. Louis, MO-IL analysis

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Clayton, MO