HomeNorth CarolinaJohnston CountyClayton town
Clayton town, North Carolina: commercial real estate data.
Clayton town 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.
80 sourced place values · tier FULL · 9 sections
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 7(a) lending to Clayton borrowers
- Approvals63
- Gross approval$20,706,500
- Average approval$328,675
- Median approval$184,000
- Ninetieth percentile approval$790,000
- 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
A charge-off rate is not published here. only 8 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clayton
SBA 504 lending to Clayton borrowers
- 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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clayton
Flood programme status in Clayton
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370139
- Currently effective map date07/19/22
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Johnston County, not Clayton
Johnston County context, not Clayton figures
These are Johnston County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Clayton measurements.
- Establishments in Johnston County4,151
- Employment at those establishments, Johnston County49,067
- Covered employment, Johnston County61,005
- Average annual pay, Johnston County$55,305
- Average weekly wage, Johnston County$1,064
- Housing units permitted, Johnston County2,783
- Of those, single family, Johnston County2,775
- County product, 2024, Johnston County$11,573,120,000
- County product change over the prior year, Johnston County10.2 percent
- Average income of an arriving household, Johnston County$64,727
Every figure in this section is published for Johnston County as a whole and is not a measurement of Clayton. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $20.7 m, across 33 lenders, median approval $184,000, plus 3 504 approvals worth $2.0 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Clayton in the National Flood Insurance Program?
Yes. Clayton appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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