A general overview of the cost of living index for Clayton, NJ is displayed above. In Clayton, NJ, the overall cost of living index is 109, which is 12% lower than the New Jersey average and 9% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Clayton, NJ, the city's goods and services are 4% lower than the New Jersey average and 7% higher than the U.S. average.