HomeOhioMontgomery CountyClayton
Clayton, Ohio: commercial real estate data.
Clayton is a Census city of 13,277 people across 18.51 square miles of land, in Montgomery County. Median household income is $92,879, 82.0 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $946,700 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clayton
What Clayton is
- Census place typecity
- Land area18.51 sq mi
- Water area0.07 sq mi
- Population per square mile of land717
- County holding the largest share of its areaMontgomery County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
How many people live in Clayton
- Population13,277
- Median age45.6
- Population under 182,808
- Share under 1821.1 percent
- Population 65 and over2,965
- Share 65 and over22.3 percent
- Households5,387
- Family households3,613
- Share of households that are families67.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
Income and work in Clayton
- Median household income$92,879
- Per capita income$45,705
- Civilian labor force6,912
- Employed6,742
- Unemployed170 plus or minus 185
- Unemployment rate2.5 percent plus or minus 2.7
- Adults 25 and over9,727
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher35.8 percent
- Adults 25 and over with a graduate degree17.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
Housing in Clayton
- Housing units5,581
- Occupied units5,387
- Vacant units194 plus or minus 113
- Vacancy rate3.5 percent plus or minus 2.0
- Owner occupied4,418
- Renter occupied969 plus or minus 248
- Ownership rate82.0 percent
- Median owner-occupied home value$208,200
- Median gross rent, monthly$1,070
- Annual rent as a share of median income13.8 percent
- Single family units4,910
- Share single family88.0 percent
- Units in buildings of two or more671 plus or minus 229
- Share in buildings of two or more12.0 percent plus or minus 4.0
- Mobile homes0
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
How Clayton gets to work
- Workers 16 and over who commute6,103
- Commuting under 15 minutes1,899
- Share commuting under 15 minutes31.1 percent
- Commuting 30 minutes or more1,500
- Share commuting 30 minutes or more24.6 percent
- Drove alone77.5 percent
- Carpooled12.9 percent plus or minus 4.6
- Public transport0.7 percent plus or minus 0.6
- Walked0.0 percent
- Worked from home8.3 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clayton
SBA loans in Clayton (7(a))
- Approvals5
- Gross approval$946,700
- Average approval$189,340
- Median approval$100,000
- Largest approval$600,000
- Jobs supported31
- Jobs per approval6.2
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Clayton, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clayton
SBA loans in Clayton (504)
- Approvals3
- Gross approval$3,673,000
- Average approval$1,224,333
- Median approval$527,000
- Largest approval$3,002,000
- Jobs supported18
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Clayton, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clayton
Flood risk in Clayton
- NFIP communityCity of Clayton
- NFIP community number390821
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/06/05
The City of Clayton participates in the National Flood Insurance Program as community 390821 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Montgomery County, not Clayton
Montgomery County context, not Clayton figures
- Establishments in Montgomery County10,930
- Covered employment, Montgomery County250,085
- Average annual pay, Montgomery County$61,439
- Housing units permitted, Montgomery County933
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Clayton.
All Montgomery County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Clayton questions, answered from the record.
How many people live in Clayton, Ohio?
13,277, in 5,387 households. Clayton city covers 18.51 square miles of land, which is 717 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clayton in?
Montgomery County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Clayton?
$92,879. The median owner-occupied home is valued at $208,200. Median gross rent is $1,070 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Clayton businesses?
5 7(a) approvals totaling $946,700 since FY2020, across 1 lenders, median approval $100,000, plus 3 504 approvals worth $3.7 m since FY2010. These count approvals to borrowers whose address is in Clayton, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clayton borrowers get paid back?
No rate is published for Clayton. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Clayton in the National Flood Insurance Program?
Yes. Clayton appears in the FEMA Community Status Book as Clayton, city of, community 390821, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Clayton figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montgomery County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Clayton.
Is zoning published for Clayton?
No. Nothing on this page presents parcel level zoning.