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City · 8,921 residents · Gloucester County, New Jersey

Clayton , New Jersey

In Clayton, a typical home is worth $252,300 and typical rent is $1,246 a month. Compared with all of Gloucester County, the typical home value is 19% lower and typical rent is 19% lower.

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  • Typical home value

    $252,300

    19% below the county

    44% below New Jersey

    • Clayton
    • Gloucester
    • New Jersey

  • Typical rent

    $1,246a month

    19% below the county

    28% below New Jersey

    • Clayton
    • Gloucester
    • New Jersey

  • Typical household income

    $90,274a year

    14% below the county

    13% below New Jersey

    • Clayton
    • Gloucester
    • New Jersey

  • Households that own their home

    81%

    1 points above the county

    17 points above New Jersey

    • Clayton
    • Gloucester
    • New Jersey

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$330,253
1.1% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Clayton is in Gloucester 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 Gloucester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clayton apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Pine Hill, the typical home value is $204,600: 19% less than in Clayton ($252,300).

  2. The typical home in Clayton is worth $252,300, 19% less than in Gloucester County as a whole ($310,400).

  3. The typical rent in Clayton is $1,246 a month, 19% less than in Gloucester County as a whole ($1,531).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Clayton

What homes there are in Clayton, 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 houses, standing on their own, make up 82% of homes here, against 73% in Gloucester County.

Year built

The typical home in Clayton was built in 1975, 5 years before the typical one in Gloucester County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,994 a month

Gloucester County: $2,330 a month

Without a mortgage

$964 a month

Gloucester County: $1,066 a month

Owners with a mortgage

78%

Gloucester County: 68%

Owning costs less in Clayton: with a mortgage, the typical cost is $1,994 a month; in Gloucester County, $2,330. Without one, $964.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Clayton gained value more slowly than in Gloucester County: 28% since 2015–2019, against 41%.

The typical rent in Clayton stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureClaytonGloucester CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.9%3.5%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate1.5%4.0%3.4%
People per household 2.642.672.622.53
Drive alone 81%75%62%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%8%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 11%15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Clayton look like those in Gloucester County: 2.64 people on average.

In Clayton, 81% of workers drive alone to work; in Gloucester County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Clayton?

A typical home is tight for the typical income

We start with a typical home in Clayton, worth $252,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Clayton, which is $90,274 a year. For that payment to be 28% of income, a household would need to earn about $104,999 a year.

The calculator's FHA and conventional loan limits are those of all of Gloucester County.

Your numbers

Local data
$

Starts at the typical home value in Clayton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,831 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,450

at 7.18% · 30 years

Loan amount
$247,730
Total interest
$356,425
Paid off in
November 2056

Includes $4,261 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,106 a month

  • Tight

    $2,106 to $2,708 a month

    Your payment · 33%

  • Hard

    more than $2,708 a month

Compared with the typical household income in Clayton ($90,274 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,450
Principal & interest$1,678
Property tax$555
Home insurance$105
FHA mortgage insurance (MIP)$112

You need at least $8,831 for the down payment, plus closing costs.

Next step

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.

The city and its county

Clayton and Gloucester County

Clayton is in Gloucester County, New Jersey. 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).

Clayton's own numbers

Typical home value
$252,300
Typical monthly rent
$1,246
Typical yearly household income
$90,274
Households that own their home
81%
Effective property tax rate
2.64%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Gloucester 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)
+73%
Homes in a high flood-risk zone
1.3%

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 Gloucester County.

Everything about Gloucester County

Buying

Buying a home in Clayton

A typical home in Clayton is worth $252,300: 19% below the county and 44% below New Jersey. With the typical household income in Clayton ($90,274 a year), a typical home costs 2.8 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.

  • Clayton 2.8 years
  • Gloucester 3.0 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gloucester County

According to FHFA’s house price index, home prices in Gloucester County rose 96% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Gloucester County.

Period County New Jersey U.S.
Last year (2025) +5.2% +6.2% +2.9%
5 years (2020–2025) +73% +63% +47%
10 years (2015–2025) +96% +88% +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

Clayton next to Gloucester County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Clayton $252,300
  • Gloucester $310,400
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Clayton $1,246
  • Gloucester $1,531
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Clayton $90,274
  • Gloucester $105,115
  • New Jersey $103,556
  • United States $80,734
See the full table
Clayton next to Gloucester County and New Jersey
Measure Clayton Gloucester County New Jersey U.S.
Typical home value $252,300 $310,400 $454,400 $332,700
Typical monthly rent $1,246 $1,531 $1,720 $1,413
Typical yearly household income $90,274 $105,115 $103,556 $80,734
Households that own their home 81% 80% 64% 65%
Typical yearly property tax $6,660 $8,055 $9,590 $3,119
Effective property tax rate 2.64% 2.6% 2.11% 0.94%
Renters with high rent for their income 49% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gloucester 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 Clayton

For a typical $252,300 home in Clayton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clayton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,450a month

    Least cash to close
    Down payment
    $8,831
    Cash to close
    $16,400
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $2,404a month

    Down payment
    $12,615
    Cash to close
    $20,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $2,028a month

    Down payment
    $50,460
    Cash to close
    $58,029
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,261a month

    Down payment
    $37,845
    Cash to close
    $45,414
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Clayton and for Gloucester County.

Property tax

Effective rate in Clayton

2.64%of the home’s value each year

$6,660 a year for the typical owner in Clayton.

  • Clayton 2.64%
  • Gloucester 2.6%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Gloucester County

FEMA does not publish these numbers by city: they are for all of Gloucester County.

Homes in the high-risk zone
1.3%
1,148
Of those, with NFIP insurance
50%
County New Jersey U.S.
Homes in the high-risk zone 1.3% 6.7% 3.5%
Of those, with NFIP insurance 50% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clayton

Typical rent in Clayton is $1,246 a month: 19% below the county. In Clayton, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gloucester 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.

HUD fair market rent for all of Gloucester County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Clayton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clayton is in ZIP code 08312.

For 2 bedrooms it is $1,600: $260 less than the fair market rent for Gloucester County ($1,860).

  • 08312 $1,600$1,910

A ZIP code counts for Clayton 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Clayton

HUD lists 3 buildings with rents for lower incomes in Clayton. These are the largest.

  • Clayton Providence House 927 Delsea Drive, Clayton 101 low-income homes · 1 bd: 102 · 2 bd: 1 · In service since 2005
  • Camp Salute 865 N Delsea Dr, Clayton 76 low-income homes
  • Clayton Providence House #684 865 N Delsea Dr, Clayton 08312 103 homes · In service since 2012

See all 55 buildings in Gloucester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clayton

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 is 1 HUD-approved agency with an office in Gloucester County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Clayton

No down payment, repair or rent-help program on our list is for Clayton or Gloucester County. The ones below are statewide in New Jersey: they work in Clayton the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Clayton

The HUD-approved agencies closest to the center of Clayton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Financial Wellness Institute Inc

    3 S Broad St, Woodbury · 13 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (856) 251-0311

  • Navicore Solutions- Hammonton, NJ

    212 Bellevue Ave, Hammonton · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (866) 472-4557

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    1060 Kings Highway North, Cherry Hill · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

Every agency in Gloucester County All counseling agencies in New Jersey

Help in Spanish near Clayton

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Clayton

HUD’s record names them for Clayton or Gloucester County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Gloucester County Housing Authority Public housing and Section 8 vouchers (856) 845-4959

One other authority has an office in Gloucester County: see the list Source: HUD

Cities

Other cities in Gloucester County

These cities are also in Gloucester County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Gloucester County Housing in New Jersey

Nearby cities

The cities closest to Clayton, with the typical home value.

Neighboring counties

If Gloucester County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Clayton.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Clayton

Short answers with the numbers for Clayton and all of Gloucester 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 Clayton?

The typical home value in Clayton is $252,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gloucester County it is $310,400.

How much does it cost to rent in Clayton?

Typical rent in Clayton is $1,246 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gloucester County is $1,860.

What is the FHA loan limit in Clayton?

Clayton uses the FHA limit for all of Gloucester 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 Clayton?

The typical homeowner in Clayton pays $6,660 a year, according to the U.S. Census Bureau. That is 2.64% of the home’s value; in Gloucester County, the rate is 2.6%.

Where can I find free help to buy or rent in Clayton?

There is 1 HUD-approved counseling agency with an office in Gloucester County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).