DSCR Loans in Clayton, Ohio

Clayton sits in Montgomery County. The facts below are what a DSCR lender actually looks at on a property here.

Clayton at a glance

County: Montgomery County
Population: 13,310 (2020 Census)
Type: City

Home values and rent in Clayton

Countywide, Montgomery County's median home value is $180,900 (ACS 2020-2024 5yr) — a Clayton-specific figure isn't independently published, so this reflects the whole county, not Clayton alone. Countywide, Montgomery County's median gross rent is $1,026/mo (ACS 2020-2024 5yr) — again, a county figure standing in for a Clayton number we don't have.

The county tax-drag math applies here

Clayton sits in Montgomery County, where the effective property tax rate is 1.58% — above Ohio's 1.36% statewide average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Montgomery County page — here's the tax line specifically for a property at Clayton's own numbers:

Property value used: $180,900 (countywide)
Montgomery County effective tax rate: 1.58%
Estimated monthly property tax: $238

That estimate uses an observed Ohio DSCR average of 7.20% (Q2 2026)¹ elsewhere in the full county example — this is a market observation, not an offer; your rate depends on your DSCR, credit, LTV and loan purpose, and is set by the lender, not by us.

Get your Clayton DSCR quote

Every Clayton property prices differently once a lender sees the real rent and file. Compare quotes on yours.

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Sources for this page

Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
CostByCounty, "Cost of Living in Ohio by County" (Montgomery County median home value, county-fallback) — https://costbycounty.com/ohio
Private Lender Link (Ohio DSCR rate average, Q2 2026) — https://privatelenderlink.com/region/usa/ohio/residential-long-term-rental-ohio-usa/

Last updated 2026-08-25. Figures are refreshed periodically from the sources above, each with its own as-of date.