Real Estate Investing in Clayton, Ohio (45415)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45415 (Clayton, OH)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Clayton, OH (45415)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 45415 Clayton
The 45415 ZIP covers a section of Clayton that demands careful diligence. Prices near $233K look accessible, but the work to make a deal cash flow is real.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $233K asset, 45415 is the wrong submarket. If the plan prices in friction, the yield can still work.
The gap between 45415 and stronger Clayton ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
A significant renter share of 36% in 45415 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Distressed ZIPs reward experience. solid returns are possible in 45415, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Clayton:
Property Strategy for 45415
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $121,600 | $1,190 | 7.0% | +9.8% | $60,800 |
| 3BR | $206,769 | $1,540 | 5.4% | +9.2% | $68,923 |
| 4BR | $266,475 | $1,700 | 4.6% | +8.4% | $66,619 |
| 5BR | $286,112 | — | — | +7.5% | $57,222 |
Market Trends
Home Value History (with trend line)
📊 How Does 45415 Compare?
| Metric | 45415 | Clayton | Dayton-Kettering, OH | Ohio |
|---|---|---|---|---|
| Home Value | $232,825 | $232,825 | N/A | $237,530 |
| 5-Year CAGR | 7.5% | 7.5% | N/A | 7.4% |
| Avg Rent | $1,071 | $1,071 | N/A | - |
| Cap Rate | 3.6% | 3.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 45415 (Clayton, OH). Anonymous, moderated, never written by AI.
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Property managers serving Montgomery County
Manage rentals here? List your business →Associa RPM provides comprehensive HOA and condominium management services in the greater Columbus, Dublin, Cincinnati, and Dayton areas of Ohio. summary from their website
Eclipse Community Management offers HOA & Condo Management services in Ohio & Kentucky. summary from their website
Frost Property Management offers deluxe, experienced property management services in South Florida for single families, residential condos, multifamilies, and commercial spaces. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $232,825 |
| Monthly Rent | $1,071 |
| Price-to-Rent | 18.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 11.1% |
📈 Home Appreciation
| 1-Year | +6.7% ▲ |
| 3-Year CAGR | +7.1% ▲ |
| 5-Year CAGR | +7.5% ▲ |
| 10-Year CAGR | +8.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 45415
Population: 12,171
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 45415
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Belle Haven Elementary School
Meadowdale High School
Valerie Elementary School
Summit Academy Community School - Dayton
Northridge Elementary School
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 5,386 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Clayton, OH a smart market for rental property?
Clayton, OH clocks in at an investability rating of 3.0/5, with median home values near $233K and average rents around $1,071/mo. That combination puts it in the resilient tier for investor interest.
Do rentals sit vacant long in Clayton, OH?
Occupancy in Clayton, OH runs predictable with elevated vacancy. Well-priced units at $1,071/mo lease on reasonable timelines.
What is the typical rental rate in Clayton, OH?
Expect rents around $1,071/mo per month in Clayton, OH. With home values at $233K, the yield math works out to reasonable levels for rental investors.
Is Clayton, OH suited for a house hack?
House hacking in Clayton, OH is reasonable to execute. Prices around $233K and rents of $1,071/mo solid owner-occupant economics.
How strong is tenant demand in Clayton, OH?
The tenant pool in Clayton, OH is solid, supported by local employment and population fundamentals. Rents of $1,071/mo are well-absorbed by the market.
You know 45415 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 45415 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 45415 ranks in Dayton-Kettering, OH
Every ZIP in this metro, ranked. Free.
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