Can You Afford a Home in Clayton, WA?
A typical home in Clayton is worth $430,024, up 4.2% over the past year. That is $51K above the Stevens County typical of $379,290.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Clayton costs $430,024. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Stevens County
Prices below are what keeps housing at 33% of gross income, using Stevens County’s 0.65% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $327,000 | $269,000 | $246,000 | $263,000 |
| $100,000 | $447,000 | $368,000 | $337,000 | $359,000 |
| $125,000 | $568,000 | $467,000 | $428,000 | $456,000 |
| $150,000 | $688,000 | $566,000 | $519,000 | $553,000 |
| $200,000 | $929,000 | $765,000 | $700,000 | $747,000 |
How Clayton compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Colville | $344,456 | +2% | $79,000 |
| Tumtum | $352,390 | +3.2% | $80,000 |
| Chewelah | $354,662 | +1% | $81,000 |
| Addy | $374,145 | +3.7% | $85,000 |
| Rice | $377,485 | +2% | $86,000 |
| Loon Lake | $426,641 | +1.5% | $96,000 |
| Clayton (this page) | $430,024 | +4.2% | $96,000 |
If Clayton is out of reach, Colville, Tumtum, Chewelah, Addy, Rice, Loon Lake sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Clayton sell for less than $430,024, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.