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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, MO Housing Affordability Index

Clayton, Missouri has an MBR Housing Affordability Index score of 70.2 (Moderately Less Affordable) as of October 30, 2026, ranking 821st most affordable of 822 scored Missouri cities, compared with 115.7 statewide and 97.4 nationally. On a median-priced $830,000 home with 20% down, the Missouri average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $4,534, or 44% of the city’s $123,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Clayton is updated every night from live Missouri 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 70.2 Moderately Less Affordable
Rank in Missouri 821 of 822 1 = most affordable
Missouri 115.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Missouri lenders
Median home value $830,000 U.S. Census Bureau

Clayton is 45.5 points below the Missouri score. Scores as of October 30, 2026. See the Missouri index

View Clayton Mortgage Rates

What It Takes to Buy in Clayton

$4,534/mo
Principal & Interest
Median home, 20% down, 7.26%
$194,300
Income Needed
To keep the payment at 28% of income
$123,000
Median Household Income
Missouri: $70,702
6.7x
Price-to-Income Ratio
Missouri: 3.3x
$2,906/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$9,955/yr
Median Property Tax
1.20% of median value
27.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Clayton Ranks in Missouri

Cities with similar scores
#818Saddlebrooke78.5 #819Wheatland72.7 #820Arrow Rock72.0
#821Clayton70.2
#822Riverside68.5
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Cite the Clayton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Clayton, Missouri score: 70.2 (Moderately Less Affordable), ranked 821 of 822 Missouri cities. monitorbankrates.com/housing-affordability-index/missouri/clayton”