45315 ZIP Code — Clayton, OH

Montgomery County, Ohio

ZIP code 45315 is located in Clayton, Ohio, within Montgomery County. It covers approximately 10.88 square miles and serves a population of 4,402 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 326/937.

About ZIP code 45315

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $189,500. Owner-occupancy is high at 83%, well above the national average.

Median household income is $94,348. The poverty rate of 5% is below the national average. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 16% of civilians, above the national average of 7%.

Overall, ZIP code 45315 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

4,402

population

10.88

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

45315 ZIP code map

Cities in ZIP code 45315

Below are the cities the US Postal Service accepts for ZIP code 45315. Using any city not on this list may result in mail delivery delays.

City	Status
Clayton	Preferred

Nearby ZIP codes

45322 Englewood (2.2 mi) 45322 Englewood (2.2 mi) 45426 Dayton (4 mi) 45426 Dayton (4 mi) 45309 Brookville (4.1 mi) 45309 Brookville (4.1 mi) 45415 Dayton (4.5 mi) 45415 Dayton (4.5 mi) 45415 Dayton (4.5 mi) 45415 Dayton (4.5 mi) 45416 Dayton (5.4 mi) 45416 Dayton (5.4 mi)

Demographics updated 06/2026

Population
Total population	4,402
Population density	405 / sq mi
State FIPS	39
County FIPS	113

Geography
Land area	10.88 sq mi
Water area	0.00 sq mi
Latitude	39.8545
Longitude	-84.3356
Timezone	Eastern (ET)
Area code	326/937

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.1%	46.3%	43.3%
$50k – $100k	40.7%	30.6%	31.4%
$100k – $200k	34.9%	18.5%	20.0%
Over $200k	1.4%	4.5%	5.2%

Demographics & statistics

4,402

Population

405

People per sq mi

49.2

Median age

$94,348

Median household income

$46,065

Per capita income

$189,500

Median home value

$971

Median monthly rent

82.9%

Home ownership

4.9%

Poverty rate

1.9%

Unemployment

1,629

Housing units

41.2%

Bachelor's or higher

Age distribution

Male Female

106

Under 5

111

5–9

117

10–14

107

15–19

114

20–24

286

25–34

302

204

35–44

215

275

45–54

291

107

55–59

113

228

60–64

241

330

65–74

349

203

75–84

214

102

85+

107

← Male

Female →

Age summary

Group	Count	%
Under 18	759	17.2%
18 and over	3,643	82.8%
65 and over	1,305	29.6%
Median age	49.2 years

Race & ethnicity

White 64.5%

Black or African American 20.2%

Two or more races 9.7%

Hispanic or Latino 3.5%

Asian 1.5%

Other race 0.6%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	2,939	64.5%
Black or African American	921	20.2%
Two or more races	442	9.7%
Hispanic or Latino	158	3.5%
Asian	69	1.5%
Other race	26	0.6%
Native Hawaiian / Pacific Islander	5	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.1%	46.3%	43.3%
$50k – $100k	40.7%	30.6%	31.4%
$100k – $200k	34.9%	18.5%	20.0%
Over $200k	1.4%	4.5%	5.2%

Under $10k 0.8%

$10k–$15k 3.1%

$15k–$25k 5.7%

$25k–$35k 5.1%

$35k–$50k 12.0%

$50k–$75k 14.3%

$75k–$100k 13.0%

$100k–$150k 14.9%

$150k–$200k 18.3%

$200k+ 12.8%

Range	% of households
Under $10k	0.8%
$10k–$15k	3.1%
$15k–$25k	5.7%
$25k–$35k	5.1%
$35k–$50k	12.0%
$50k–$75k	14.3%
$75k–$100k	13.0%
$100k–$150k	14.9%
$150k–$200k	18.3%
$200k+	12.8%
Median income	$94,348

Housing

Home values

Under $50k 4.0%

$50k–$100k 2.5%

$100k–$150k 29.4%

$150k–$200k 17.3%

$200k–$300k 26.7%

$300k–$500k 13.9%

$500k–$1M 6.1%

Housing overview

Metric	Value
Median home value	$189,500
Median rent / month	$971
Owner occupied	82.9%
Renter occupied	17.1%
Vacant	2.2%
Single-family detached	75.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.1
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	0.0%
2010–2019	6.4%
2000–2009	12.9%
1990–1999	26.5%
1980–1989	18.1%
1970–1979	3.2%
1960–1969	11.1%
1950–1959	8.4%
1940–1949	1.7%
1939 or earlier	11.5%

Bedrooms

Size	% of units
No bedroom (studio)	3.4%
1 bedroom	7.9%
2 bedrooms	7.6%
3 bedrooms	43.5%
4 bedrooms	32.0%
5+ bedrooms	5.5%

Vehicles per household

Vehicles	% of households
No vehicle	5.6%
1 vehicle	31.0%
2 vehicles	46.1%
3 or more	17.4%

Heating fuel

Fuel type	%
Utility gas	51.3%
Electricity	39.5%
Propane / LP gas	4.8%
Fuel oil	1.2%
Wood	0.7%
Solar	1.5%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	1,086	56.8%
Cohabiting couple	219	11.5%
Male householder, no spouse	228	11.9%
Female householder, no spouse	379	19.8%
Households with children under 18	450	23.5%
Households with seniors (65+)	764	40.0%
Average household size	2.19

Marital status

Status	Male	Female
Never married	30.1%	13.5%
Married	55.8%	59.0%
Separated	0.0%	0.0%
Widowed	0.3%	6.2%
Divorced	13.8%	21.3%

Education

Less than 9th grade 1.0%

Some HS, no diploma 0.6%

HS graduate 26.5%

Some college, no degree 22.8%

Associate's degree 7.8%

Bachelor's degree 21.5%

Graduate / professional 19.8%

Metric	%
HS diploma or higher	98.4%
Bachelor's or higher	41.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	64	7.8%
Kindergarten	69	8.4%
Elementary school	296	36.1%
High school	202	24.6%
College / grad school	190	23.1%

Employment

Industry of employment

Education & healthcare 23.4%

Professional & management 17.0%

Retail trade 11.5%

Manufacturing 9.8%

Public administration 9.6%

Construction 8.3%

Transportation & utilities 6.6%

Arts, food & hospitality 4.1%

Finance & real estate 3.2%

Other services 3.1%

Wholesale trade 2.6%

Information 0.7%

Occupation

Category	%
Management, business & arts	41.8%
Service	11.2%
Sales & office	26.9%
Natural resources & construction	4.6%
Production & transportation	15.4%

Employment type

Type	%
Private sector	73.7%
Government	22.8%
Self-employed	3.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.1%
Carpool	7.2%
Public transit	0.0%
Walk	0.0%
Work from home	10.0%
Other means	0.7%
Avg commute (minutes)	26.0

Poverty

All people 4.9%

Under 18 years 0.0%

18 and over 6.0%

Married-couple families 2.1%

Female-led households 0.0%

Income support

Source	% of households
Social Security	41.0%
Retirement income	37.8%
Supplemental Security	3.8%
Cash public assistance	0.6%
Food stamps / SNAP	2.7%

Health indicators

Condition	%
Obesity	36.2%
High blood pressure	35.5%
High cholesterol	33.9%
Diabetes	11.5%
Heart disease	6.8%
Stroke	3.3%
Asthma	10.1%
Arthritis	29.2%
Kidney disease	3.0%
Pulmonary disease	7.6%
Cancer	7.9%

Behavior / access	%
Smoking	16.9%
Binge drinking	16.5%
No physical activity	23.7%
Less than 7 hrs sleep	35.9%
Depression	21.2%
Fair or poor health	13.8%
Poor mental health	14.7%
Poor physical health	9.6%
No health insurance	9.6%
Visited doctor (checkup)	80.8%
Visited dentist	68.6%
Cholesterol screening	91.9%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	574	15.8%

Disability	%
Any disability	10.5%
Under 18	5.1%
18–64 years	5.4%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	80.5%
Public insurance	32.6%
No insurance	2.3%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,185	95.1%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,312	98.0%
Born in same state	4,255	96.7%
Born in different state	2,903	65.9%
Foreign born	57	1.3%
Naturalized citizen	90	2.0%
Not a US citizen	49	54.4%

Ancestry

Ancestry	Count	%
Italian	698	15.9%
French	381	8.7%
Arab	198	4.5%

Ancestry	Count	%
Polish	23	0.5%
German	17	0.4%
English	10	0.2%

Technology access

Metric	% of households
Computer access	43.4%
Internet access	98.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 45315

What city is ZIP code 45315 in?

ZIP code 45315 is primarily assigned to Clayton, Ohio.

What county is ZIP code 45315 in?

ZIP code 45315 falls within Montgomery County, Ohio.

Does ZIP code 45315 have an older population?

30% of residents in ZIP code 45315 are 65 or older, above the national average of ~17%.

Is ZIP code 45315 mostly owner-occupied?

83% of occupied units in ZIP code 45315 are owner-occupied, well above the national average.

Does ZIP code 45315 have a large veteran population?

16% of civilians in ZIP code 45315 are veterans, above the national average of ~7%.

Does ZIP code 45315 have a large retiree population?

41% of households in ZIP code 45315 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 45315 in?

ZIP code 45315 observes the EST timezone.