The median home in Clayton, North Carolina is valued at $359,415, down 1.7% year over year. Typical monthly rent is $1,851, producing a price-to-rent ratio of 16.2x — near the national average of 18x. Clayton is part of the Raleigh-Cary, NC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$359,415
-1.7%
Rent$1,851/mo
AFFORDABILITYRenting $368/mo cheaper ($1,851 rent)6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.
Enter your income for Clayton.
$71,883 on $359,415
Stretch — 35.5% of income
Above 28% but manageable with cuts.
PITI$2,219
P/I35.5%
Afford$283K
Gap-$76K
P&I $1,817Tax $252Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in North Carolina
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Full Raleigh-Cary, NC analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Raleigh-Cary, NC metro.
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