Clayton County, Georgia home prices
Typical home $228,970 · -3.7% in a year · property tax 0.87%
The typical home in Clayton County is worth $228,970, 30% less than the Georgia typical home ($329,115). Values changed -3.7% in the past year and +14.2% over five years. Homeowners here pay a median 0.87% of their home's value in property tax each year ($1,991 on the typical home), versus 0.77% statewide.
Mortgage on the typical Clayton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,794 | $183,176 | $1,232 | $0 | $280 | $1,513 | $64,800 |
| 10% down | $22,897 | $206,073 | $1,386 | $86 | $280 | $1,753 | $75,100 |
| 5% down | $11,448 | $217,521 | $1,463 | $91 | $280 | $1,834 | $78,600 |
| 3.5% down (FHA) | $8,014 | $224,823 | $1,512 | $101 | $280 | $1,894 | $81,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.87% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Georgia · part of the Atlanta metro area.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lowndes County | $229,148 | +3.6% | 0.81% |
| Spalding County | $231,254 | -2.0% | 0.94% |
| Baldwin County | $231,908 | +1.0% | 0.7% |
| Floyd County | $232,904 | +1.5% | 0.85% |
| Thomas County | $224,733 | +4.0% | 0.78% |
| Peach County | $234,387 | +3.8% | 1.02% |
| Troup County | $234,932 | +2.1% | 0.93% |
| Stephens County | $236,115 | +2.5% | 0.81% |
| Polk County | $221,632 | +3.0% | 0.75% |
| Candler County | $221,592 | +7.1% | 1.08% |
Frequently asked questions
What is the average home price in Clayton County, GA?
The typical home value in Clayton County is $228,970 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clayton County?
About $64,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clayton County?
The median effective rate is 0.87% of home value a year (Census ACS 2024 5-year estimates).