MonitorBankRates
☰
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, WI Housing Affordability Index

Clayton, Wisconsin has an MBR Housing Affordability Index score of 136.6 (Highly Affordable) as of October 30, 2026, ranking 228th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $135,700 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $744, or 15% of the city’s $58,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Clayton is updated every night from live Wisconsin 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 136.6 Highly Affordable
Rank in Wisconsin 228 of 695 1 = most affordable
Wisconsin 104.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.30% Wisconsin lenders
Median home value $135,700 U.S. Census Bureau

Clayton is 32.2 points above the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Clayton Mortgage Rates

What It Takes to Buy in Clayton

$744/mo
Principal & Interest
Median home, 20% down, 7.30%
$31,900
Income Needed
To keep the payment at 28% of income
$58,750
Median Household Income
Wisconsin: $77,485
2.3x
Price-to-Income Ratio
Wisconsin: 3.4x
$978/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,056/yr
Median Property Tax
1.52% of median value
19.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Clayton, Wisconsin. The rate is the Wisconsin 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, Wisconsin score: 136.6 (Highly Affordable), ranked 228 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/clayton”