Can You Afford a Home in Clayton, WA?
A typical home in Clayton is worth $422,466, up 3.6% over the past year. That is $52K above the Stevens County typical of $370,659.
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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 $422,466. 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 | $338,000 | $278,000 | $254,000 | $272,000 |
| $100,000 | $458,000 | $377,000 | $345,000 | $368,000 |
| $125,000 | $579,000 | $476,000 | $436,000 | $465,000 |
| $150,000 | $699,000 | $575,000 | $527,000 | $562,000 |
| $200,000 | $940,000 | $774,000 | $709,000 | $756,000 |
How Clayton compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Colville | $335,845 | +1.4% | $75,000 |
| Tumtum | $346,459 | +2.5% | $77,000 |
| Chewelah | $348,050 | +0.5% | $77,000 |
| Addy | $365,506 | +3.2% | $81,000 |
| Rice | $368,256 | +1.8% | $81,000 |
| Loon Lake | $417,091 | +2.1% | $91,000 |
| Clayton (this page) | $422,466 | +3.6% | $93,000 |
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 $422,466, 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.