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.

Near Clayton

Clayton rarely gets shopped alone — here's the rest of the immediate Montgomery County field:

Dayton → — 137,644
Kettering → — 57,862
Huber Heights → — 43,439
Riverside → — 24,474
Centerville → — 24,240
Trotwood → — 23,070

Get your Clayton DSCR quote

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

Compare DSCR quotes for a Clayton property →

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.