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Featured local agent — Clay, CA
Sarah Mitchell
Compass Real Estate · Clay, CA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Clay, CA Housing Market
The last median sale price Redfin published was $850,000, +13.3% year over year (through May 2026). With homes going under contract in about 10 days, Clay is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $850,000 home is about $4,370/mo in principal and interest.
Key numbers for Clay, CA
Median sale price
$850,000
+13.3% year over year
Redfin, through February 2026
Days on market
10
Fast-moving
Redfin, through February 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$115,313
Home costs 7.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
102.4%
Selling above asking
Redfin, through February 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Clay a buyer's or seller's market?
Clay, CA is a seller's market and homes selling in about 10 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Clay housing market data show?
Every row below is Redfin's final published month for Clay, CA. Redfin, through February 2026
| Metric | Value |
|---|---|
| Median sale price | $850,000 |
| Year-over-year price change | +13.3% |
| Median price per sq ft | $325/sq ft |
| Median days on market | 10 days |
| Sale-to-list price ratio | 102.4% |
| Homes sold (that month) | 1 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Clay is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Clay is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Clay home prices moved?
Across the 21 months we hold for Clay, CA, the median sale price rose 38.1%, from $615,500 in April 2021 to $850,000.
Redfin, through February 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Clay?
Priced off the median sale price of $850,000 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $170,000 | $680,000 | $4,370/mo |
| 5% | $42,500 | $807,500 | $5,189/mo |
Redfin, through February 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,370, that implies roughly $187,280 a year before you add taxes and insurance. The median household in Clay earns $115,313, about $71,967 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 7.4x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Clay in the next 12 months?
Tell us your timeline. We send the Clay market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Clay?
Zillow does not publish a rent index (ZORI) for Clay, CA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Clay?
Active listings in Clay, CA went from 2 in January 2022 to 2 in July 2025, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| February 2022 | 1 | not published |
| August 2022 | 1 | not published |
| September 2022 | 1 | not published |
| August 2023 | 3 | not published |
| October 2023 | 3 | 2 |
| January 2024 | 1 | 2 |
| May 2024 | 4 | 3 |
| July 2024 | 3 | 1 |
| August 2024 | 4 | 1 |
| January 2025 | 1 | 1 |
| February 2025 | 1 | not published |
| July 2025 | 2 | not published |
Redfin, through July 2025
How does Clay compare to California and the U.S.?
Clay homes sell for $850,000 — 4% below the California median of $887,400. Against the national median of $410,700, Clay runs 107% higher. Year-over-year, Clay moved +13.3% against California's +3.4% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Clay, CA | $850,000 | +13.3% | 10 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through February 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Clay
What buyers should watch
- The gap between 5% and 20% down here is $819 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $850,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Clay listing goes under contract in 10 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 102.4% of asking. Price at the number you want and let competition do the rest.
- Comparable ZIP-level pricing inside Clay varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Clay
Explore homes currently listed for sale in Clay, California across major real estate platforms.
How much do homes cost in Clay by property type?
How the Clay, CA market breaks down across single-family homes, condos and townhouses. Redfin, through February 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $850,000 | $325/sq ft | 1 | 10 days |
Who lives in Clay?
American Community Survey estimates for Clay. U.S. Census ACS, 2023
Population
1,325
Households
448
Median income
$115,313/yr
Median age
40.9 years
Owner-occupied
85.3%
Median home value
$732,700
Median gross rent
$1,435/mo
Mean commute
34.7 min
85.3% of occupied homes in Clay are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Clay, CA?
Ordered by distance from Clay, not by size. Compare Clay side by side with any of them.
Clay housing market FAQ
Is Clay a buyer's or seller's market?
Clay, CA is currently a seller's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Clay?
The median sale price in the last month Redfin published was $850,000, about $325 per square foot.
Is Clay cheaper than the rest of California?
Clay's median sale price of $850,000 is 4% lower than the California statewide median of $887,400, and 107% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Clay?
Homes in Clay, CA spent a median of 10 days on market before going under contract, versus 33 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Clay?
At the current 30-year fixed rate of 6.66%, 20% down on a $850,000 home is about $4,370 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $187,280 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $115,313.
Are home prices rising in Clay?
Redfin's last published year-over-year change for Clay, CA was +13.3%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Clay?
Clay ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Clay?
That depends on your timeline, not on a headline. What the data says today: Clay, CA is a seller's market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $850,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.