City · 8,786 residents · New Castle County, Delaware
Claymont, Delaware
In Claymont, a typical home is worth $276,600 and typical rent is $1,306 a month. Compared with all of New Castle County, the typical home value is 21% lower, typical household income is 18% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $247,243 to $324,764.
Typical rent
$1,727a month
▲ 8.4% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,616 to $1,727.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Claymont is in New Castle County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of New Castle County. See the county
What this place has that others do not, from public data, most unusual first.
1
56% of households in Claymont own their home, against 69% in New Castle County.
2
Nearby, in Elsmere, the typical home value is $225,800: 18% less than in Claymont ($276,600).
3
The typical home in Claymont is worth $276,600,21% less than in New Castle County as a whole ($352,200).
4
The typical household income in Claymont is $74,712,18% less than in New Castle County as a whole ($91,166).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Claymont
What homes there are in Claymont, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Claymont
New Castle County
Delaware
United States
Kind of home: Claymont and its comparisons
Measure
Claymont
New Castle County
Delaware
United States
Detached house
41%
53%
59%
61%
Attached house
22%
21%
16%
6%
Building of 2 to 4
Unreliable estimate
5%
4%
8%
Apartments (5 or more)
31%
19%
15%
19%
Mobile home
Unreliable estimate
2%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
Unreliable estimate
0%
No kind of home is the majority in Claymont; the largest group, detached houses, adds up to 41%, less than in New Castle County (53%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Claymont
New Castle County
Delaware
United States
Year built: Claymont and its comparisons
Measure
Claymont
New Castle County
Delaware
United States
Before 1960
43%
30%
21%
26%
1960–1979
24%
26%
21%
24%
1980–1999
13%
24%
25%
25%
2000–2009
Unreliable estimate
11%
17%
14%
2010 or later
16%
9%
15%
11%
Homes in Claymont are older: the typical year built is 1964; in New Castle County, 1975.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K48%
$300K–$500K37%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Claymont and its comparisons
Measure
Claymont
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
48%
$300K–$500K
37%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49961%
$1,500–$1,99924%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Claymont and its comparisons
Measure
Claymont
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
61%
$1,500–$1,999
24%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,482 a month
New Castle County: $1,882 a month
Without a mortgage
$586 a month
New Castle County: $616 a month
Owners with a mortgage
68%
New Castle County: 67%
The typical cost for an owner with a mortgage in Claymont is $1,482 a month, less than in New Castle County ($1,882); without one, $586.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Claymont+33%
New Castle County+35%
Delaware+40%
United States+53%
Typical rent
Claymont+28%
New Castle County+25%
Delaware+24%
United States+33%
Typical household income
Claymont+25%
New Castle County+23%
Delaware+24%
United States+29%
Change since 2015–2019: Claymont and its comparisons
Measure
Claymont
New Castle County
Delaware
United States
Typical home value
+33%
+35%
+40%
+53%
Typical rent
+28%
+25%
+24%
+33%
Typical household income
+25%
+23%
+24%
+29%
Much as in New Castle County, the typical home value in Claymont rose 33% since 2015–2019.
The typical rent in Claymont rose 28% over the same time; in New Castle County, it rose 25%.
While home values in Claymont changed +33% and rent +28%, the typical household income rose 25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Claymont and its comparisons
Measure
Claymont
New Castle County
Delaware
United States
Rental vacancy
Unreliable estimate
5.0%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.0%
2.1%
3.4%
People per household
2.04
2.51
2.48
2.53
Drive alone
75%
69%
72%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
3%
2%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
16%
18%
15%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.04 on average, against 2.51 in New Castle County.
In Claymont, 75% of workers drive alone to work; in New Castle County, 69%.
Do the math
What would you pay each month for a home in Claymont?
A typical home is tight for the typical income
We start with a typical home in Claymont, worth $276,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Claymont, which is $74,712 a year. For that payment to be 28% of income, a household would need to earn about $95,553 a year.
The calculator's FHA and conventional loan limits are those of all of New Castle County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Claymont. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,681 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,230
at 7.18% · 30 years
Loan amount
$271,590
Total interest
$390,754
Paid off in
November 2056
Includes $4,671 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,743 a month
Tight
$1,743 to $2,241 a month
Your payment · 36%
Hard
more than $2,241 a month
Compared with the typical household income in Claymont ($74,712 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,840
Property tax
$152
Home insurance
$115
FHA mortgage insurance (MIP)
$122
You need at least $9,681 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,230; principal and interest $1,840.
The city and its county
Claymont and New Castle County
Claymont is in New Castle County, Delaware. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Claymont
Map of New Castle County, Delaware, with Claymont marked. Around it, the neighboring counties.
Claymont
New Castle County
Other cities with a page
Claymont's own numbers
Typical home value
$276,600
Typical monthly rent
$1,306
Typical yearly household income
$74,712
Households that own their home
56%
Effective property tax rate
0.66%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of New Castle County
FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
1.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of New Castle County.
A typical home in Claymont is worth $276,600: 21% below the county and 21% below Delaware. With the typical household income in Claymont ($74,712 a year), a typical home costs 3.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Claymont3.7 years
New Castle3.9 years
Delaware4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in New Castle County
According to FHFA’s house price index, home prices in New Castle County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of New Castle County.
Yearly change in FHFA’s price index in New Castle County, 2016 to 2025
2016: +1.8% +1.8% 2016
2017: +1.5% +1.5% 2017
2018: +3.7% +3.7% 2018
2019: +3.5% +3.5% 2019
2020: +3.4% +3.4% 2020
2021: +10.3% +10.3% 2021
2022: +13.1% +13.1% 2022
2023: +9.5% +9.5% 2023
2024: +6.7% +6.7% 2024
2025: +2.8% +2.8% 2025
Change in FHFA’s price index in New Castle County, Delaware and the United States
Period
County
Delaware
U.S.
Last year (2025)
+2.8%
+3.2%
+2.9%
5 years (2020–2025)
+50%
+51%
+47%
10 years (2015–2025)
+72%
+74%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Claymont next to New Castle County, Delaware and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Claymont$276,600
New Castle$352,200
Delaware$352,000
United States$332,700
Typical monthly rent
Claymont$1,306
New Castle$1,448
Delaware$1,401
United States$1,413
Typical yearly household income
Claymont$74,712
New Castle$91,166
Delaware$84,954
United States$80,734
See the full table
Claymont next to New Castle County and Delaware
Measure
Claymont
New Castle County
Delaware
U.S.
Typical home value
$276,600 ▼21% below the county
$352,200
$352,000
$332,700
Typical monthly rent
$1,306 ▼10% below the county
$1,448
$1,401
$1,413
Typical yearly household income
$74,712 ▼18% below the county
$91,166
$84,954
$80,734
Households that own their home
56% ▼13 points below the county
69%
73%
65%
Typical yearly property tax
$1,813 ▼27% below the county
$2,499
$1,768
$3,119
Effective property tax rate
0.66% ▼0.05 points below the county
0.71%
0.5%
0.94%
Renters with high rent for their income
46% ▼2 points below the county
48%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below New Castle County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Claymont
For a typical $276,600 home in Claymont, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Claymont's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,230a month
Least cash to close
Down payment
$9,681
Cash to close
$17,979
Rate
7.18%
Mortgage insurance
FHA MIP · $122
Conventional, 5% down$2,179a month
Down payment
$13,830
Cash to close
$22,128
Rate
7.18%
Mortgage insurance
PMI · $131
Conventional, 20% down, no PMI$1,766a month
Down payment
$55,320
Cash to close
$63,618
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,022a month
Down payment
$41,490
Cash to close
$49,788
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Claymont
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,230
$9,681
$271,590
7.18%
FHA MIP · $122
$17,979
580
Conventional, 5% down
$2,179
$13,830
$262,770
7.18%
PMI · $131
$22,128
620*
Conventional, 20% down, no PMI
$1,766
$55,320
$221,280
7.18%
None
$63,618
620*
ITIN, 15% down (example)
$2,022
$41,490
$235,110
8.18%
None
$49,788
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Claymont is $1,306 a month: 10% below the county. In Claymont, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of New Castle County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in New Castle County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,438
$27.65
$57,520
1 bedroom
$1,558
$29.96
$62,320
2 bedrooms
$1,860
$35.77
$74,400
3 bedrooms
$2,216
$42.62
$88,640
4 bedrooms
$2,445
$47.02
$97,800
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Claymont
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Claymont is in ZIP code 19703.
For 2 bedrooms it is $1,690: $170 less than the fair market rent for New Castle County ($1,860).
Fair market rent by ZIP code and size in Claymont, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
19703
$1,310
$1,420
$1,690
$2,010
$2,220
ZIP code2 bd3 bd
19703 $1,690$2,010
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Claymont when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 6 HUD-approved agencies with an office in New Castle County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Claymont or New Castle County. The ones below are statewide in Delaware: they work in Claymont the same as in the rest of the state.
Delaware state authority second loan of $12,000 at 0%, forgiven 10% for each year you live in the home (all of it after 10 years), for homes up to $285,000; the agency announced it as a temporary program.Offered by Delaware State Housing Authority (DSHA).
Delaware state authority 0% second mortgage equal to 4% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; with the Welcome Home (first-time buyers) or Open Door (any buyer) mortgages.Offered by Delaware State Housing Authority (DSHA).
Delaware state authority 0% second mortgage equal to 5% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; only with the Welcome Home mortgage for first-time buyers.Offered by Delaware State Housing Authority (DSHA).
No legal help resource on our list is for Claymont or New Castle County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Claymont and all of New Castle County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Claymont?
The typical home value in Claymont is $276,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in New Castle County it is $352,200.
How much does it cost to rent in Claymont?
Typical rent in Claymont is $1,306 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in New Castle County is $1,860.
What is the FHA loan limit in Claymont?
Claymont uses the FHA limit for all of New Castle County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.
How much property tax do owners pay in Claymont?
The typical homeowner in Claymont pays $1,813 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in New Castle County, the rate is 0.71%.
Where can I find free help to buy or rent in Claymont?
There are 6 HUD-approved counseling agencies with an office in New Castle County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
