PlainZIP

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
$92,333
Median income
$213,300
Median home value
44.1%
Bachelor's or higher

The verdict

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.

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 Ohio average), while per-capita income is $51,043. Local economic indicators show a 2.4% poverty rate alongside 2.3% unemployment. On housing, the median home value is $213,300 (8% above the state average) with median rent at $921 per month, and 84.4% of occupied units 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. To put 45315 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Montgomery County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 45315?

46.4

Median Age

45.5%

Male

54.5%

Female

1.6%

Foreign-Born

White 71.4%
African American 21.9%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 5.5%
Hispanic or Latino 1.5%

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

$51,043

Per Capita Income

2.4%

Poverty Rate

2.3%

Unemployment Rate

25.2 min

Mean Commute Time

How ZIP 45315 ranks nationally

Clayton, OH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$92,333 Top 25% higher than 75% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 64.9%
Bachelor's Degree or Higher 44.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,222

Total Housing Units

2,222

Occupied Units

0

Vacant Units

2.11

Avg Household Size

Occupancy Type

Owner 84.4%
Renter 15.6%

$213,300

Median Home Value

+8% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 45315 ranks #0 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 45315 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Montgomery County

45424 standard
Dayton, OH
Pop: 49,930
45342 standard
Miamisburg, OH
Pop: 36,784
45417 standard
Dayton, OH
Pop: 31,281
45458 standard
Dayton, OH
Pop: 29,880
45459 standard
Dayton, OH
Pop: 27,749
45431 standard
Dayton, OH
Pop: 26,315

Related Areas

Montgomery County Clayton, OH Ohio

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.

Read our methodology to see how this data is sourced, computed, and verified.