Average mortgage payment in Clayton County, GA (2026)
The average mortgage payment in Clayton County on a median-priced home (~$360,000) is roughly $2,835/month — assuming 10% down at a 6.85% 30-year fixed rate and Georgia's 0.92% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $121,502. County population is roughly 297,595.
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How Clayton County compares to Georgia
The typical home in Clayton County is 13% above the statewide median of $320,000 in Georgia. Property tax is set at the state's effective rate of 0.92% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Clayton County?+
On a median Clayton County home (~$360,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $2,835/month, including ~$276 in property tax.
What income do I need to buy a home in Clayton County?+
Using the 28% front-end DTI rule, you'd need roughly $121,502 in annual gross household income to comfortably carry the median Clayton County home.
How does Clayton County compare to the rest of Georgia?+
Clayton County's median home ($360,000) is 13% above the Georgia median of $320,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.