Clayton, OH · standard
ZIP Code 45315
Montgomery County, Ohio - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,377
- 157/sq mi High-density area
- $92,333
- Median income Above-median income area
- $213,300
- Median home value Near-median home value
- 44.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Clayton pairs an upper-quartile household income with below-median home values, in a rural, homeowner-dominated area.
- Top 25%
- household income, US ZIPs
- 47th pct
- home value, US ZIPs
- 157
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 45315 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 45315 (Clayton, OH) rose +3.0% from 2023 to 2024. The all-transactions index moved from 181.3 in 2023 to 186.7 in 2024 (2000 = 100).
ZIP code 45315 covers 27.8 square miles in Clayton, Montgomery County, Ohio (a standard USPS delivery area), with a modest 4,377 residents on file, a density of 157 people per square mile, in the New York time zone.
ZIP 45315 lands in the middle-income range, with a median household income of $92,333 (26% above the average Ohio ZIP), while per-capita income is $51,043. Both reported hardship measures are comparatively low in absolute terms: poverty is 2.4% and unemployment is 2.3%. Median home value is $213,300 (8% above the average Ohio ZIP) and median rent is $921; 84.4% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 44.1% of adults hold a bachelor's degree or higher, the median age is 46.4, and the average commute is 25 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Montgomery County, so 45315 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 45315
Top 5 sectors by establishment count in Clayton, OH
Which industries have the most business establishments in ZIP 45315.
- Construction
Construction
20 establishments
- Retail trade
Retail trade
20 establishments
- Manufacturing
Manufacturing
16 establishments
- Other services (except public administration)
Other services (except public administration)
15 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
12 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 45315, Clayton, OH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
4,377
Population
27.8
Area (sq mi)
157
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 45315?
46.4
Median Age
45.5%
Male
54.5%
Female
1.6%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$92,333
Median Household Income
+26% vs state ZIP avg
$51,043
Per Capita Income
2.4%
Poverty Rate
2.3%
Unemployment Rate
25.2 min
Mean Commute Time
How ZIP 45315 ranks among Ohio ZIPs
Clayton, OH household income vs. every Ohio ZIP code
Median household income among 1,127 reporting Ohio ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$92,333 Top 16% higher than 84% of 1,127 Ohio ZIPs
Each bar is a $20K-wide band; taller bars hold more Ohio ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,222housing units
2,222
Total Housing Units
2,222
Occupied Units
0
Vacant Units
2.11
Avg Household Size
Occupancy Type
$213,300
Median Home Value
+8% vs state ZIP avg
$921
Median Rent
1983
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+3.0%
YoY Change (2024)
187
HPI Index (2000 = 100)
+87%
Total Change Since 2000
Home values in ZIP 45315 have increased 3.0% over the past year (2024). Since 2000, this ZIP has seen +87% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.1% | 120 |
| 2021 | +14.6% | 137 |
| 2022 | +16.8% | 160 |
| 2023 | +13.2% | 181 |
| 2024 | +3.0% | 187 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 149 business establishments in ZIP 45315, employing approximately 2,871 people with a combined annual payroll of $127,856,000.
149
Businesses
2,871
Employees
$127.9M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 20 | 13.4% |
| Retail trade | 20 | 13.4% |
| Manufacturing | 16 | 10.7% |
| Other services (except public administration) | 15 | 10.1% |
| Administrative and support and waste management and remediation services | 12 | 8.1% |
| Wholesale trade | 10 | 6.7% |
| Professional, scientific, and technical services | 10 | 6.7% |
| Health care and social assistance | 10 | 6.7% |
| Real estate and rental and leasing | 9 | 6.0% |
| Accommodation and food services | 8 | 5.4% |
| Transportation and warehousing | 6 | 4.0% |
| Information | 4 | 2.7% |
| Arts, entertainment, and recreation | 4 | 2.7% |
| Finance and insurance | 3 | 2.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 45315 vs 45322 →
ZIP 45315 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45406
Dayton (45406)
21,914 residents
- 45322
Englewood (45322)
21,447 residents
- 45414
Dayton (45414)
21,055 residents
- 45426
Dayton (45426)
15,239 residents
- 45377
Vandalia (45377)
15,215 residents
- 45415
Dayton (45415)
12,631 residents
- 45309
Brookville (45309)
12,123 residents
- 45383 7,037
West Milton (45383)
7,037 residents
- 45416 5,740
Dayton (45416)
5,740 residents
What this shows Among its immediate neighbors, ZIP 45315 ranks #0 by population - useful context the national average alone can't give.
ZIP 45315 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 45315
Clayton (45315)
$92,333 median income
- 45415
Dayton (45415)
$81,176 median income
- 45377
Vandalia (45377)
$77,398 median income
- 45309
Brookville (45309)
$75,409 median income
- 45322
Englewood (45322)
$75,349 median income
- 45354
Phillipsburg (45354)
$66,625 median income
- 45383
West Milton (45383)
$66,620 median income
- 45414
Dayton (45414)
$54,485 median income
- 45426
Dayton (45426)
$51,908 median income
What this shows By household income, ZIP 45315 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 45322 | Englewood, OH | 21,447 | 2.9 mi |
| 45426 | Dayton, OH | 15,239 | 4.0 mi |
| 45309 | Brookville, OH | 12,123 | 4.5 mi |
| 45383 | West Milton, OH | 7,037 | 6.9 mi |
| 45415 | Dayton, OH | 12,631 | 4.6 mi |
| 45354 | Phillipsburg, OH | 642 | 4.9 mi |
| 45416 | Dayton, OH | 5,740 | 5.5 mi |
| 45414 | Dayton, OH | 21,055 | 6.8 mi |
| 45377 | Vandalia, OH | 15,215 | 6.7 mi |
| 45406 | Dayton, OH | 21,914 | 7.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 45315, both outside OH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,377 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Montgomery County
Related Areas
Frequently Asked Questions
What county is ZIP code 45315 in?
ZIP code 45315 (Clayton) is located in Montgomery County, Ohio. Montgomery County contains multiple ZIP codes, see the full list at /counties/montgomery-oh.
What is the population of ZIP code 45315?
ZIP code 45315 in Clayton, OH has a population of 4,377 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 45315?
The median household income in ZIP 45315 is $92,333, which is 21% above the national average of $76,288.
What is the average home value in ZIP 45315?
The median home value in ZIP 45315 is $213,300, which is 23% below the national average of $278,155.
What is the demographic makeup of ZIP 45315?
The largest racial group in ZIP 45315 is White at 71.4%. Hispanic or Latino residents make up 1.5% of the population.
How many businesses are in ZIP code 45315?
ZIP code 45315 has 149 business establishments employing approximately 2,871 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 45315?
The top industries by establishment count in ZIP 45315 are: Construction (20), Retail trade (20), Manufacturing (16). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 45315?
According to the FHFA House Price Index, home values in ZIP 45315 increased by 3.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 87%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 45315?
In ZIP code 45315, 64.9% of residents aged 25+ have a high school diploma or higher, and 44.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 45315?
The mean commute time for workers in ZIP code 45315 is 25.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 45315?
In ZIP code 45315, approximately 84.4% of occupied housing units are owner-occupied and 15.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 45315?
The poverty rate in ZIP code 45315 is 2.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 45315's numbers, next.
- See how ZIP 45315 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Clayton, OH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.