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City · 13,277 residents · Montgomery County, Ohio

Clayton , Ohio

In Clayton, a typical home is worth $208,200 and typical rent is $1,070 a month. Compared with all of Montgomery County, typical household income is 40% higher, the typical home value is 15% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $208,200

    15% above the county

    3% below Ohio

    • Clayton
    • Montgomery
    • Ohio

  • Typical rent

    $1,070a month

    4% above the county

    3% above Ohio

    • Clayton
    • Montgomery
    • Ohio

  • Typical household income

    $92,879a year

    40% above the county

    30% above Ohio

    • Clayton
    • Montgomery
    • Ohio

  • Households that own their home

    82%

    20 points above the county

    15 points above Ohio

    • Clayton
    • Montgomery
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$257,863
4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Clayton is in Montgomery County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clayton apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Trotwood, the typical home value is $113,200: 46% less than in Clayton ($208,200).

  2. 82% of households in Clayton own their home, against 62% in Montgomery County.

  3. The typical household income in Clayton is $92,879, 40% more than in Montgomery County as a whole ($66,139).

  4. Nearby, in Shiloh, the typical rent is $883: 17% less than in Clayton ($1,070).

  5. The typical home in Clayton is worth $208,200, 15% more than in Montgomery County as a whole ($180,900).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Clayton

What homes there are in Clayton, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Clayton: 83% of homes, more than in Montgomery County (67%).

Year built

The typical home in Clayton was built in 1972, 6 years after the typical one in Montgomery County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,627 a month

Montgomery County: $1,438 a month

Without a mortgage

$628 a month

Montgomery County: $604 a month

Owners with a mortgage

74%

Montgomery County: 61%

The typical cost for an owner with a mortgage in Clayton is $1,627 a month, more than in Montgomery County ($1,438); without one, $628.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Clayton rose 54%; in Montgomery County, it rose 51%.

Since 2015–2019, the typical rent in Clayton rose 26%, less than in Montgomery County (29%).

To compare: typical income in Clayton rose 25%; the home, +54%; the rent, +26%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureClaytonMontgomery CountyOhioUnited States
Rental vacancy Unreliable estimate4.7%4.4%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate1.5%1.5%3.4%
People per household 2.442.242.372.53
Drive alone 78%76%75%69%
Carpool 13%8%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 8%12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.44 on average, against 2.24 in Montgomery County.

In Clayton, 13% of workers share a car to get to work; in Montgomery County, 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Clayton?

A typical home is within reach of the typical income

We start with a typical home in Clayton, worth $208,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Clayton, which is $92,879 a year.

The calculator's FHA and conventional loan limits are those of all of Montgomery County.

Your numbers

Local data
$

Starts at the typical home value in Clayton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,287 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,893

at 7.18% · 30 years

Loan amount
$204,429
Total interest
$294,125
Paid off in
November 2056

Includes $3,516 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,167 a month

    Your payment · 24%

  • Tight

    $2,167 to $2,786 a month

  • Hard

    more than $2,786 a month

Compared with the typical household income in Clayton ($92,879 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,893
Principal & interest$1,385
Property tax$330
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,287 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Clayton and Montgomery County

Clayton is in Montgomery County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Clayton's own numbers

Typical home value
$208,200
Typical monthly rent
$1,070
Typical yearly household income
$92,879
Households that own their home
82%
Effective property tax rate
1.9%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Montgomery County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,248
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Montgomery County.

Everything about Montgomery County

Buying

Buying a home in Clayton

A typical home in Clayton is worth $208,200: 15% above the county and 3% below Ohio. With the typical household income in Clayton ($92,879 a year), a typical home costs 2.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Clayton 2.2 years
  • Montgomery 2.7 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 104% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Montgomery County.

Period County Ohio U.S.
Last year (2025) +5.7% +4.8% +2.9%
5 years (2020–2025) +56% +53% +47%
10 years (2015–2025) +104% +93% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Clayton next to Montgomery County, Ohio and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Clayton $208,200
  • Montgomery $180,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Clayton $1,070
  • Montgomery $1,026
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Clayton $92,879
  • Montgomery $66,139
  • Ohio $71,389
  • United States $80,734
See the full table
Clayton next to Montgomery County and Ohio
Measure Clayton Montgomery County Ohio U.S.
Typical home value $208,200 $180,900 $214,800 $332,700
Typical monthly rent $1,070 $1,026 $1,034 $1,413
Typical yearly household income $92,879 $66,139 $71,389 $80,734
Households that own their home 82% 62% 67% 65%
Typical yearly property tax $3,948 $3,127 $2,822 $3,119
Effective property tax rate 1.9% 1.73% 1.31% 0.94%
Renters with high rent for their income 40% 47% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Montgomery County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Clayton

For a typical $208,200 home in Clayton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clayton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,893a month

    Least cash to close
    Down payment
    $7,287
    Cash to close
    $13,533
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,855a month

    Down payment
    $10,410
    Cash to close
    $16,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,545a month

    Down payment
    $41,640
    Cash to close
    $47,886
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,737a month

    Down payment
    $31,230
    Cash to close
    $37,476
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Clayton and for Montgomery County.

Property tax

Effective rate in Clayton

1.9%of the home’s value each year

$3,948 a year for the typical owner in Clayton.

  • Clayton 1.9%
  • Montgomery 1.73%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Montgomery County

FEMA does not publish these numbers by city: they are for all of Montgomery County.

Homes in the high-risk zone
1.3%
2,655
Of those, with NFIP insurance
25%
County Ohio U.S.
Homes in the high-risk zone 1.3% 1.7% 3.5%
Of those, with NFIP insurance 25% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clayton

Typical rent in Clayton is $1,070 a month: 4% above the county. In Clayton, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Montgomery County, by unit size. To pay the 2-bedroom one ($1,248 a month) without spending more than 30% of your income, you would need to earn $24.00 an hour working full time.

HUD fair market rent for all of Montgomery County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $909 $17.48 $36,360
1 bedroom $1,008 $19.38 $40,320
2 bedrooms $1,248 $24.00 $49,920
3 bedrooms $1,623 $31.21 $64,920
4 bedrooms $1,774 $34.12 $70,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Clayton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clayton has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,120 in 45315 to $1,290 in 45322.

1 of the 3 is above the fair market rent for Montgomery County ($1,248).

  • 45315 $1,120$1,460
  • 45322 $1,290$1,680
  • 45415 $1,150$1,500

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clayton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Clayton

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 5 HUD-approved agencies with an office in Montgomery County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Clayton

No down payment, repair or rent-help program on our list is for Clayton or Montgomery County. The ones below are statewide in Ohio: they work in Clayton the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it. Offered by Ohio Housing Finance Agency (OHFA).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic). Offered by Ohio Housing Finance Agency (OHFA).

    Tax credit

    See the program Official page

Housing counselors near Clayton

The HUD-approved agencies closest to the center of Clayton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Nid-Hca Trotwood

    4000 Lake Center Dr, Trotwood · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (937) 589-0155

  • Nid-Hca Dayton

    4403 N Main St, 1st FL, Dayton · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (937) 567-0990

  • Horizon Housing Communities Development for Ohio (HHCDO)

    1700 Needmore Rd, Dayton · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (937) 259-8870

Every agency in Montgomery County All counseling agencies in Ohio

Help in Spanish near Clayton

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Clayton

In HUD’s record, no housing authority with an office in Montgomery County is named for Clayton or Montgomery County.

One other authority has an office in Montgomery County: see the list Source: HUD

Cities

Other cities in Montgomery County

These cities are also in Montgomery County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Montgomery County Housing in Ohio
See 4 more cities in Montgomery County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Clayton, with the typical home value.

Neighboring counties

If Montgomery County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Clayton.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Clayton

Short answers with the numbers for Clayton and all of Montgomery County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Clayton?

The typical home value in Clayton is $208,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $180,900.

How much does it cost to rent in Clayton?

Typical rent in Clayton is $1,070 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $1,248.

What is the FHA loan limit in Clayton?

Clayton uses the FHA limit for all of Montgomery County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Clayton?

The typical homeowner in Clayton pays $3,948 a year, according to the U.S. Census Bureau. That is 1.9% of the home’s value; in Montgomery County, the rate is 1.73%.

Where can I find free help to buy or rent in Clayton?

There are 5 HUD-approved counseling agencies with an office in Montgomery County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).