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Clayton city, OH

ZIP 45315 — 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 45315

Median Home Value
$183,900
Median Rent
$863
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,181/mo PITI).

12%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.8 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 45315 in Clayton city, OH, a household would need roughly $51,000 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 $1,181. That sits below the local median household income ($84,186), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
82.6%+26% vs US avg
x
Vacancy Rate
0.8%-92% vs US avg
x
Broadband Access
96.6%+11% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.3%-93% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$183,900
Home Value
$863
Rent
1987
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached75.0%
  • 1-unit attached14.9%
  • 2-9 units10.1%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$183,900
Median rent$863
Owner-occupied82.6%
Vacant0.8%
Price-to-income2.2x
Est. income to buy$51,000