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Clayton city, OH

ZIP 45322 — 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 45322

Median Home Value
$165,500
Median Rent
$834
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,063/mo PITI).

14%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 45322 in Clayton city, OH, a household would need roughly $46,000 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 $1,063. That sits below the local median household income ($72,073), 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
76.3%+17% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
17.1%-65% vs US avg
x
Mortgage-Free
40.3%+5% vs US avg
x
$165,500
Home Value
$834
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached76.2%
  • 1-unit attached8.9%
  • 2-9 units9.1%
  • 10+ units5.3%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,500
Median rent$834
Owner-occupied76.3%
Vacant3.5%
Price-to-income2.3x
Est. income to buy$46,000