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Compare Current Clayton, North Carolina Mortgage Rates
Compare Clayton, NC mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Clayton.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Clayton. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Clayton, NC Mortgage Rates
July 26, 2025
Current mortgage rates in Clayton, NC are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Clayton, NC Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Clayton, North Carolina?
Below we provide helpful information on the real estate market, home prices and housing affordability in Clayton. Understand how much you need to earn to afford a home in Clayton, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Clayton fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Clayton is right for you.
The median home value for Clayton, NC (Johnston County) is $292,678
Based on current mortgage rates and a 10% down payment, you need to make $61,057 per year to buy the median priced home in Clayton
With this income, you could qualify for a $263,410 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Clayton is $1,414
The median household income for Clayton, NC (Johnston County) is $70,407
Based on this income, you can afford a home valued at approximately $337,496
The home price you can afford to buy based on household income in Clayton is 115% of the median home value which means housing prices are average.
Clayton (Johnston County) ranks 69 out of 100 counties in North Carolina and 2,586 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Clayton, NC is average
Loan Limits for Clayton, North Carolina
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Clayton (Johnston County) below.
Conforming loan limits for Clayton, NC
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Clayton, NC
1 unit:$502,550
2 units:$643,350
3 units:$777,650
4 units:$966,450
VA loan limits for Clayton, NC
1 unit:$726,200
Additional Mortgage Resources for Clayton, NC Residents