Clayton, Wisconsin.
Typical home $273,486 (+1.8% in a year). Oshkosh-Neenah, WI metro.
to buy the typical home at today's mortgage rate — +$836 (+139%) since Jan 2020.
- 1 year
- Up $4,913 +2%
- $268,573$273,486 since Sep 2025
- 5 years
- Up $56,372 +26%
- $217,114$273,486 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Clayton$1,435
- Wisconsin$1,770
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Clayton, WI rose 1.8% over the past year — faster than the nation's +1.2%.
Living in Clayton, Winnebago County, Wisconsin
Clayton is a village of 550 people in Winnebago County. Unemployment in Winnebago County was 3.3% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most people in Winnebago County work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Clayton is a small village, and few people live there compared with most towns. Homes are priced above what many might expect for a place this size, and household incomes across Winnebago County sit at a middling level. Fewer adults here hold a four-year degree than in many communities, and a notable share of residents live below the poverty line. Winters are cold, with January the coldest month and days that rarely climb much above freezing, while July brings warm days. Rain and melted snow add up to a fair amount over the year.
Work. Residents most often work in manufacturing, in schools, hospitals and social care, in shops, and in professional and business services. Across Winnebago County, some of the largest workplaces are Kimberly-Clark's corporate offices, Miron Construction, and the University of Wisconsin-Oshkosh. Jobs across the county slipped slightly last year, and unemployment there has risen a little from a year earlier. The typical commute is a fairly long one.
Things to do. Most of the outdoor places near Clayton are a longer drive away, and they are mainly lakes and protected land. White Ash Lake and Balsam Lake offer lakeside scenery, and the Saint Croix National Scenic Riverway is a protected stretch of river country. Straight Lake State Park is another protected area for walking and time outdoors.
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- 162households
- 11%of adults have a degree
- 16%below the poverty line
- 28 mintypical commute
What people in Winnebago County work in
Employed residents by industry, from the Census survey. Winnebago County had 93,391 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 22° and lows near 4°; warmest in July, with highs near 81° and lows near 60°. About 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Amery weather station, 10 miles away (NOAA).
Largest workplaces in Winnebago County
- CR Meyer - CorporateIndustrial building construction, general contractors2,335
- Kimberly-ClarkCorporate offices1,621
- Miron Construction CoAddition, alteration and renovation for-sale builders, commercial and institutional building1,593
- University of Wisconsin-OshkoshUniversity or college1,425
- Oshkosh Area School DistrictSchool district1,299FTE
- VocationalManufacturing plant1,188
- Plexus Manufacturing Solutions - NeenahLoaded computer boards manufacturing875
- Neenah Joint School DistrictSchool district797FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 249 workplaces with 20 or more staff, 36,458 people in all across the county; Clayton has two of its own. Colleges come from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- LightningRelatively high
- HailRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Winnebago County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Winnebago County and the Oshkosh-Neenah, WI metro.
Clayton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Clayton$273,486
- Wisconsin$337,196
- United States$366,157
Sellers are cutting prices on about 1 in 11 Clayton listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Clayton9.05%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Clayton12
New listings per month
Sellers arriving at the market.
- Clayton5
Zip codes with a Clayton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Clayton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.