Median home value in zip code 08312 (Clayton, NJ) is $327,056, up 5.0% year over year. Part of the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metropolitan area.

Home Value$327,056

YoY Change

+5.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 08312 (Clayton).

Income (annual)

Down Payment

$65,411 on $327,056

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

Stretch34.3% of income

Above 28% but manageable with cuts.

PITI$2,141

P/I34.3%

Afford$267K

Gap-$60K

P&I $1,654Tax $371Ins $117

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

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

Metro Analysis

08312 is part of the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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