Cost of Living in Clayton, NJ

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C-
11%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
11%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Clayton New Jersey National
Cost of living111125100
Groceries107108100
Health care109112100
Housing111157100
Transportation112114100
Utilities114111100
Lifestyle & Entertainment113113100
Household Items110107100
Education & Childcare114120100
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Homes For Sale In Clayton, NJ

property for sale

17 Beckett St

Clayton, NJ
property for sale

8 Stanger Ct

Clayton, NJ
property for sale

102 Turner St

Clayton, NJ
property for sale

1111 N Delsea Dr

Clayton, NJ

Cost Of Living Quick Facts

  • The cost of living in Clayton is 12% lower than the New Jersey average
  • The cost of living in Clayton is 11% higher than the national average
  • Clayton housing is 11% higher than the national average
  • New Jersey general sales tax is 30% higher than the national average
  • New Jersey state income tax is 46% lower than the national average

Most Affordable Places to Live in and Around Clayton

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Compare Clayton, NJ Cost of Living

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      Salary Calculator

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      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$151,364$12,614$3,532$4,541
      Renters$56,239$4,687$1,312$1,687
      A good way to judge both the affordability of the housing and the cost of living in Clayton is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Clayton has a median income of about $151,364 for people who own homes. Based on that number, a maximum of $3,532 should be spent on expenses related to housing. Renters have a slightly different median income, which is $56,239. Based on this average, renters should spend no more than $1,312 on all rental costs if they want to maintain a non-impoverished standard of living.

      New Jersey Sales Tax

      State General Sales Tax With Max Surtax
      New Jersey 6.625% 12.625%

      New Jersey Income Tax

      State Income Tax (Low) Income Tax (High)
      New Jersey 1.4% 10.75%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Pine Valley, NJ1111110.6%
      Tavistock, NJ511110.6%
      Eddystone, PA2,490919.2%
      Seabrook Farms, NJ1,6451010.7%
      Clementon, NJ5,0641011.4%
      Clayton, NJ8,87811110.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Whitehouse, TX8,8781000.3%
      Berthoud, CO8,87913131.1%
      Elsmere, KY8,876918.9%
      Bennington, VT8,8801032.7%
      Dayton, TX8,874928.4%
      Clayton, NJ8,87811110.8%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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