The median home in Clayton, New Jersey is valued at $317,583, up 6.0% year over year. Clayton is part of the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$317,583

+6.0%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$63,517 on $317,583

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

Out of reach38% of income

Need $101,829/yr to afford.

PITI$2,376

P/I38%

Afford$234K

Gap-$84K

P&I $1,606Tax $654Ins $117

6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

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

Other cities in New Jersey

Compare Clayton with other housing markets across New Jersey.

Deal$4.21M Alpine$2.96M Loch Arbour$2.88M Avalon$2.63M Stone Harbor$2.48M Bay Head$2.36M Sea Girt$2.3M Short Hills$2.26M

Full Philadelphia-Camden-Wilmington, PA-NJ-DE-MD analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro.

View Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro

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Clayton, NJ