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.

Home Value$302,133

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Clayton.

Income (annual)

Down Payment

$60,427 on $302,133

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

Stretch33.8% 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$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

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

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Clayton, NY