Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$287,556+13.2% YoY · prices are rising fast
Market right nowBuyer's marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$62,336About 0.8× the local median income ($77,983): affordable for a typical household
Days on market78 daysSlower than a year ago: buyers have time to negotiate
The typical home in Clayton County, IA is worth $287,556, up 13.2% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $264,350, so the area is 8.8% overvalued. It is a buyer's market: homes take about 78 days to sell, listings are up 20% from a year ago, 24% of listings have had a price cut. A household needs about $62,336 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $77,983. In the latest IRS figures, 68 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$287,556
Change in 1 year
+13.2%
Overvalued %
+8.8%
Show 6 more
Fair home value
$264,350
Change in 5 years
+42.4%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$1,558
Income needed to afford it
$62,336
Property tax rate
1.29%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$927
Market activity
Listings vs a year ago
+20.4%
Days on market
78
Listings with a price cut
23.5%
Show 3 more
Homes for sale
65
Pending sales per 100 listings
22
Asking price per sq ft
$119
People and jobs
Median household income
$77,983
Population change (1 year)
−0.8%
Unemployment rate
2.5%
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Population
16,845
Income adjusted for cost of living
$92,727
Net moves in (IRS)
−68
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
42.2
Flood risk score
58.0
Show 3 more
Wildfire risk score
12.3
Walkability (1 to 20)
5.8
Road, rail and air noise
53 dB
Questions people ask
Is Clayton County, IA overvalued?
Home prices in Clayton County, IA are slightly above what local incomes have historically supported: fair value is about $264,350, so the area is 8.8% overvalued.
Is Clayton County, IA a buyer's or seller's market?
Clayton County, IA is a buyer's market: homes take about 78 days to sell, listings are up 20% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Clayton County, IA?
Home values in Clayton County, IA are up 13.2% over the last year.
How much do you need to earn to buy a home in Clayton County, IA?
A household needs about $62,336 a year to afford the typical home in Clayton County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $77,983.