The median home in Clayton, New York is valued at $302,133, up 1.7% year over year. Clayton is part of the Watertown-Fort Drum, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Watertown-Fort Drum, NY stress score, crash risk, and 12-month forecast →

Home Value$302,133

+1.7%

AFFORDABILITY

Enter your income for Clayton.

Income (annual)

Down Payment

$60,427 on $302,133

Stretch — 33.8% of income

Above 28% but manageable with cuts.

PITI$2,111

P/I33.8%

Afford$250K

Gap-$52K

P&I $1,528Tax $433Ins $150

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

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

Other cities in New York

Compare Clayton with other housing markets across New York.

Sagaponack$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Watertown-Fort Drum, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Watertown-Fort Drum, NY metro.

View Watertown-Fort Drum, NY metro →

CLAYTON, NY