US5.com
  1. Home
  2. States
  3. Delaware
  4. ZIP 19938
  5. Housing & Real Estate
Clayton town, DE

ZIP 19938 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 19938

Median Home Value
$335,800
Median Rent
$1,285
Affordability Snapshot
$92,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,157/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 19938 in Clayton town, DE, a household would need roughly $92,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,157. That is roughly in line with the local median household income ($96,338). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
88.5%+35% vs US avg
x
Vacancy Rate
2.6%-74% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
6.8%-54% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
20.6%-46% vs US avg
x
$335,800
Home Value
$1,285
Rent
1997
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached86.6%
  • 1-unit attached2.8%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other9.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$335,800
Median rent$1,285
Owner-occupied88.5%
Vacant2.6%
Price-to-income3.5x
Est. income to buy$92,000