HomeNorth CarolinaJohnston CountyClayton
Clayton, North Carolina: commercial real estate data.
Clayton is a Census town of 29,320 people across 16.79 square miles of land, in Johnston County. Median household income is $78,822, 62.7 percent of occupied homes are owned, and the SBA record carries 63 7(a) approvals to borrowers here worth $20.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clayton
What Clayton is
- Census place typetown
- Land area16.79 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,746
- County holding the largest share of its areaJohnston County, 99.5 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
How many people live in Clayton
- Population29,320
- Median age33.0
- Population under 187,687
- Share under 1826.2 percent
- Population 65 and over2,993
- Share 65 and over10.2 percent
- Households11,242
- Family households7,958
- Share of households that are families70.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
Income and work in Clayton
- Median household income$78,822
- Per capita income$37,564
- Civilian labor force16,422
- Employed15,967
- Unemployed455 plus or minus 249
- Unemployment rate2.8 percent plus or minus 1.5
- Adults 25 and over18,726
- Adults 25 and over with a high school diploma or higher95.6 percent
- Adults 25 and over with a bachelor degree or higher40.4 percent
- Adults 25 and over with a graduate degree13.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
Housing in Clayton
- Housing units11,529
- Occupied units11,242
- Vacant units287 plus or minus 150
- Vacancy rate2.5 percent plus or minus 1.3
- Owner occupied7,049
- Renter occupied4,193
- Ownership rate62.7 percent
- Median owner-occupied home value$329,600
- Median gross rent, monthly$1,661
- Annual rent as a share of median income25.3 percent
- Single family units9,058
- Share single family78.6 percent
- Units in buildings of two or more2,360 plus or minus 556
- Share in buildings of two or more20.5 percent plus or minus 4.8
- Mobile homes111 plus or minus 85
- Median year structure built2006
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
How Clayton gets to work
- Workers 16 and over who commute13,013
- Commuting under 15 minutes1,865 plus or minus 554
- Share commuting under 15 minutes14.3 percent plus or minus 4.1
- Commuting 30 minutes or more6,877
- Share commuting 30 minutes or more52.8 percent
- Drove alone72.7 percent
- Carpooled7.9 percent plus or minus 2.9
- Public transport0.0 percent
- Walked0.5 percent plus or minus 0.5
- Worked from home18.2 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
SBA loans in Clayton (7(a))
- Approvals63
- Gross approval$20,706,500
- Average approval$328,675
- Median approval$184,000
- Ninetieth percentile approval$782,000
- Largest approval$2,426,700
- Jobs supported650
- Jobs per approval10.3
- Loans with a final outcome8
- Paid in full7
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more7.9 percent
- Share to franchises23.8 percent
- Distinct lenders33
- Distinct industries by NAICS50
Counted by borrower city: approvals to borrowers whose address is in Clayton, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clayton
SBA loans in Clayton (504)
- Approvals3
- Gross approval$2,011,000
- Average approval$670,333
- Median approval$555,000
- Largest approval$939,000
- Jobs supported44
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Clayton, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clayton
Flood risk in Clayton
- NFIP communityTown of Clayton
- NFIP community number370139
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/19/22
The Town of Clayton participates in the National Flood Insurance Program as community 370139 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Johnston County, not Clayton
Johnston County context, not Clayton figures
- Establishments in Johnston County4,151
- Covered employment, Johnston County61,005
- Average annual pay, Johnston County$55,305
- Housing units permitted, Johnston County2,783
Every figure in this section is published for Johnston County as a whole and is not a measurement of Clayton.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Clayton questions, answered from the record.
How many people live in Clayton, North Carolina?
29,320, in 11,242 households. Clayton town covers 16.79 square miles of land, which is 1,746 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clayton in?
Johnston County, which holds 99.5 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Clayton?
$78,822. The median owner-occupied home is valued at $329,600. Median gross rent is $1,661 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Clayton businesses?
63 7(a) approvals totaling $20.7 m since FY2020, across 33 lenders, median approval $184,000, plus 3 504 approvals worth $2.0 m since FY2010. These count approvals to borrowers whose address is in Clayton, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clayton borrowers get paid back?
No rate is published for Clayton. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Clayton in the National Flood Insurance Program?
Yes. Clayton appears in the FEMA Community Status Book as Clayton, town of, community 370139, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Clayton figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Johnston County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Clayton.
Is zoning published for Clayton?
No. Nothing on this page presents parcel level zoning.
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