HomeOhioMontgomery CountyClayton city
Clayton city, Ohio: commercial real estate data.
Clayton city 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.
80 sourced place values · tier FULL · 9 sections · 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
- Ninetieth percentile approval$600,000
- 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
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clayton
Flood risk in Clayton
- Listed NFIP communities1
- Of those, participating1
- NFIP community number390821
- Currently effective map date01/06/05
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Montgomery County, not Clayton
Montgomery County context, not Clayton figures
These are Montgomery County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Clayton measurements.
- Establishments in Montgomery County10,930
- Employment at those establishments, Montgomery County234,881
- Covered employment, Montgomery County250,085
- Average annual pay, Montgomery County$61,439
- Average weekly wage, Montgomery County$1,182
- Housing units permitted, Montgomery County933
- Of those, single family, Montgomery County349
- County product, 2024, Montgomery County$40,096,997,000
- County product change over the prior year, Montgomery County5.1 percent
- Average income of an arriving household, Montgomery County$56,480
Every figure in this section is published for Montgomery County as a whole and is not a measurement of Clayton. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $946,700, across 1 lenders, median approval $100,000, plus 3 504 approvals worth $3.7 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Clayton in the National Flood Insurance Program?
Yes. Clayton appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.