Clayton, Ohio.
Typical home $257,863 (+4.0% in a year), asking rent $2,045 . Dayton-Kettering, OH metro.
Property tax and schools in Clayton
Clayton’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Clayton is in Montgomery County, where its property tax is set. Its homes there are in 3 school districts: Brookville Local, Northmont City and Trotwood-Madison City. Check your own bill.
to buy the typical home at today's mortgage rate — +$793 (+142%) since Jan 2020.
- 1 year
- Up $9,818 +4%
- $248,045$257,863 since Sep 2025
- 5 years
- Up $68,821 +36%
- $189,041$257,863 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$1,353
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Clayton, OH rose 4.0% over the past year — faster than the nation's +1.2%.
Living in Clayton, Montgomery County, Ohio
Clayton is a city of 13,310 people in Montgomery County. Half its households earn more than $92,879 a year and half less, against $66,139 across Montgomery County; 7% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Montgomery County was 3.9% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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 city in Montgomery County, Ohio, where most homes are lived in by their owners and incomes run well above the county's. The population is on the older side, and typical home values sit well above typical rents, which suggests a town of settled households. Winters are cold and snowy, summers are warm, and there is a fair amount of rain and melted snow across the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, retail and professional and business services also employing many. Within Clayton, some of the largest workplaces are Clayton Parts Distribution Center, Walmart and Meijer. Unemployment in Montgomery County is lower than it was a year earlier, and the county has added a few more jobs, and most people have a short commute rather than working from home.
Things to do. A short drive away are Sycamore State Park, a protected area with room to walk outdoors, and the Dayton Art Institute, a museum. The Paul Laurence Dunbar House, also a museum, is a short drive away too. For a longer outing, the National Museum of the United States Air Force is a longer drive away.
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- 5,387households
- 36%of adults have a degree
- 7%below the poverty line
- 21 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Montgomery County had 251,925 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 37° and lows near 22°; warmest in July, with highs near 86° and lows near 66°. About 25 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Dayton International Airport weather station, 6 miles away (NOAA).
Largest workplaces in Clayton
- Clayton Parts Distribution CenterConstruction machinery and equipment merchant wholesalers650
- WalmartWarehouse clubs and supercenters366
- MeijerRetail214
- The Cottages of ClaytonAssisted-living facilities without on-site nursing care facilities63
- Compass Group33
- Goodwill Easter Seals Miami ValleySecondhand merchandise stores25
- Western Ohio Concrete DisposalRubble removal services25
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 1,376 people in all. 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
- Ice stormsRelatively moderate
- HailRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Clayton’s census tracts, against the rest of the country; all of them together, relatively low. 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 Montgomery County and the Dayton-Kettering, OH 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$257,863
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 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.
- Clayton37.85%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Clayton47
New listings per month
Sellers arriving at the market.
- Clayton19
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.
Zip codes in Clayton
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 45415 | Dayton | 12,465 | — | $230,209 |
| 45315 | Clayton | 4,905 | $1,185 | $289,764 |