City

CLAYTON, NY

Watertown-Fort Drum, NY

Median home value: $302K (+1.7% YoY). Part of Watertown-Fort Drum, NY.

Limited Data

Basic Zillow data only. For stress scores, AI analysis, and trends, Watertown-Fort Drum, NY metro page.

Home Value$302,133
+1.7%
AFFORDABILITY

Enter your income for Clayton.

$60,427 on $302,133
Stretch — 32.5% of income

Above 28% but manageable with cuts.

PITI$2,032
P/I32.5%
Afford$260K
Gap-$42K
P&I $1,449Tax $433Ins $150
6.00% 30yr, 20% down, county tax + NY ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Clayton Housing Market | CrashWatch