Median home value in zip code 46118 (Clayton, IN) is $322,096, up 0.6% year over year. Part of the Indianapolis-Carmel-Anderson, IN metropolitan area.

Home Value$322,096

YoY Change

+0.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 46118 (Clayton).

Income (annual)

Down Payment

$64,419 on $322,096

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

Stretch32.5% of income

Above 28% but manageable with cuts.

PITI$2,033

P/I32.5%

Afford$277K

Gap-$45K

P&I $1,629Tax $271Ins $133

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

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

Metro Analysis

46118 is part of the Indianapolis-Carmel-Anderson, IN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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