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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Clayton, IA Housing Affordability Index

Clayton, Iowa has an MBR Housing Affordability Index score of 114.8 (More Affordable Than Average) as of October 30, 2026, ranking 854th most affordable of 891 scored Iowa cities, compared with 126.4 statewide and 97.4 nationally. On a median-priced $137,500 home with 20% down, the Iowa average 30-year fixed rate of 7.17% means a monthly principal and interest payment of about $744, or 19% of the city’s $47,917 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Clayton is updated every night from live Iowa mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Clayton MBR-HAI 114.8 More Affordable Than Average
Rank in Iowa 854 of 891 1 = most affordable
Iowa 126.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.17% Iowa lenders
Median home value $137,500 U.S. Census Bureau

Clayton is 11.6 points below the Iowa score. Scores as of October 30, 2026. See the Iowa index

View Clayton Mortgage Rates

What It Takes to Buy in Clayton

$744/mo
Principal & Interest
Median home, 20% down, 7.17%
$31,900
Income Needed
To keep the payment at 28% of income
$47,917
Median Household Income
Iowa: $75,059
2.9x
Price-to-Income Ratio
Iowa: 2.8x
$1,031/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,726/yr
Median Property Tax
Iowa figure
68.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Clayton, Iowa. The rate is the Iowa average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Clayton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Clayton, Iowa score: 114.8 (More Affordable Than Average), ranked 854 of 891 Iowa cities. monitorbankrates.com/housing-affordability-index/iowa/clayton”