Location of Clayton, New Jersey
Clayton is a quaint borough located in Gloucester County, in southern New Jersey. Situated about 15 miles southeast of Camden and roughly 30 miles from Philadelphia, Pennsylvania, Clayton offers a quiet suburban setting with the convenience of nearby metropolitan areas. Its location provides easy access to city amenities while maintaining a peaceful small-town atmosphere ideal for retirees or those seeking affordable living.
Why Clayton Is So Affordable
Clayton stands out as one of New Jersey’s most affordable towns, with a median home purchase price of approximately $178,100 and median rent near $1,100 per month. This affordability is notable because New Jersey overall is known for high property values and living costs. The town’s lower cost of living, combined with its safe environment (safer than 30% of other NJ cities), makes it a great choice for seniors surviving on fixed incomes such as Social Security.
Living Comfortably on Social Security in Clayton
For many retirees, living comfortably on Social Security is a challenge, especially in expensive states like New Jersey. Clayton’s affordability allows residents to meet their housing expenses and enjoy a decent quality of life without financial stress. Local services, community programs, and accessible healthcare options add to Clayton’s appeal as a retirement-friendly town.
Community and Lifestyle in Clayton
Clayton offers a warm, family-friendly vibe with ample parks and recreational spaces—about a third of the borough’s land area is dedicated to parks. The area features museums, walking trails, and community centers that host events and activities for residents of all ages. These amenities help foster an active and connected lifestyle, which is especially beneficial for aging populations looking to engage socially.
Things To Do and Local Highlights
Clayton Historic Museum: Dive into local history with exhibits showcasing the borough’s heritage.
Scotland Run Park and Nature Center: Offers fishing, kayaking, trails, and a nature center with live animals.
Glassboro Wildlife Management Area: Great for birdwatching and mild hiking through deciduous forests.
Dining: Local dining options cover various tastes, from casual spots like Twin Kiss Drive-In to eateries featuring Italian specialties and hand-crafted desserts.
Safety and Healthcare Access
Safety is a priority in Clayton, contributing to its suitability for seniors and fixed-income residents. The town is served by nearby hospitals and healthcare facilities in Gloucester County, ensuring residents have access to necessary medical care.
Why Clayton Is a Hidden Gem for Affordable Living
While many New Jersey towns may not be budget-friendly, Clayton offers an exceptional mix of affordability, safety, community, and accessibility. It is often overlooked but is an excellent choice for retirees and anyone looking for a cost-effective lifestyle within reach of major metropolitan hubs.
Clayton, New Jersey, is a remarkable small town that allows residents to live comfortably on Social Security alone due to its affordable housing market and supportive community amenities. Its location near Philadelphia, coupled with a high quality of life and reasonable cost of living, makes it a top choice for those seeking financial peace and a slower pace in the Garden State.
Sources
(https://www.extraspace.com/blog/city-guides/most-affordable-cities-in-new-jersey/)
(https://www.worldatlas.com/cities/7-most-overlooked-new-jersey-towns-for-2025.html)
(https://www.homestratosphere.com/most-affordable-towns-in-new-jersey-april-2025/)
(https://www.youtube.com/watch?v=MvUmdeliifU)
