Population & age
- Total population
- 21,540
- Median age
- 42.5
Clayton, OH (45322)
Montgomery County · Dayton-Kettering-Beavercreek, OH · Population 21,540
Fresh.Data current as of Apr 24, 2026
Clayton, OH (ZIP 45322) sits in Montgomery County within the Dayton-Kettering-Beavercreek metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 6.3%. NCES lists 4 schools serving the area, 4 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $16,448. IRS data shows average household income (AGI) of $63,125, well above the ~$45K national average per return. Federal QCEW filings show 250,085 covered jobs in this ZIP's primary county — a major regional employment hub. The most recent FEMA disaster declaration here was tornado-related (TORNADOES, 2024). County Health Rankings reports 12,141 years of potential life lost per 100,000 (2025) — well above the national county median. 28.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Ohio levies a flat state income tax (top rate 3.50%); a household at the local median AGI of $63,125 would pay roughly $1,326/year before deductions. Per IRS migration filings (2022-2023), the area's primary county lost $152,400,000 in net taxable income to other counties. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $69,407, fair market rent of $1,340 for a two-bedroom, and a typical home value of $225,044, up 5.2% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 84.1%
- Black
- 10.6%
- Asian
- 0.3%
- Hispanic / Latino
- 1.0%
- Other / multi-racial
- 4.7%
Income & housing
- Median household income
- $69,407
- Median home value
- $159,200
Education
- Bachelor's degree or higher (age 25+)
- 26.6%
Employment
- Unemployment rate
- 3.9%
Housing
- Owner-occupied
- 6,816(74.9%)
- Renter-occupied
- 2,290(25.1%)
- Vacant units
- 532
- Built (median)
- 1973
Commute
- Public transit
- 10(0.1%)
- Work from home
- 542(5.3%)
- Avg commute
- 25.4 min
Economic wellbeing
- Below poverty line
- 1,115(5.2%)
- Uninsured
- 327(1.5%)
Digital access
- Broadband access
- 8,380(92.0%)
- No broadband
- 726(8.0%)
Language & nativity
- Foreign-born
- 378(1.8%)
- Non-English at home
- 439(2.1%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$980
/month
1 Bed
$1,060
/month
2 Bed
$1,340
/month
3 Bed
$1,740
/month
4 Bed
$1,910
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$225,044
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+5.2%
vs. March 2025
5-year change
+42.8%
vs. March 2021
Metro area
Dayton-Kettering, OH
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
1,259
Across 736 permitted buildings. Total construction value: $307.5M.
Single-family
651
52% of total units
Multifamily (2+ unit)
608
48% of total units
Single-family value
$220.1M
construction value
Multifamily value
$87.4M
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
10,820
Average AGI
$63,125
Avg property tax
$173
EITC participation
11.3%
Income distribution
- $1 – $25,00023.6% · 2,550
- $25,000 – $50,00026.1% · 2,820
- $50,000 – $75,00019.9% · 2,150
- $75,000 – $100,00012.2% · 1,320
- $100,000 – $200,00016.2% · 1,750
- $200,000 or more2.1% · 230
Avg mortgage interest
$181
Avg charitable contribution
$386
Avg capital gains
$1,069
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $683.0M across all reported brackets.
Business & employment
Business establishments
313
Total employment
3,888
Annual payroll
$137.9M
Average annual pay
$35,475
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$61,439
Average weekly wage
$1,182
Total employment
250,085
Total establishments
13,276
That is roughly 6% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.5%
That is 0.5 percentage points above the US national unemployment rate of about 4.0%.
Labor force
256,622
Employed
244,967
Unemployed
11,655
Based on Montgomery County, OH data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
7
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$777.2M
across all branches in this ZIP
Distinct institutions
7
different banks operating here
Top banks by deposits in this ZIP
- 1.Fifth Third Bank, National Association$231.5M · 1 branch
- 2.Union Savings Bank$125.5M · 1 branch
- 3.The Huntington National Bank$104.0M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Dayton, OH
Reporting agencies
2
Largest: Greater Dayton Regional Transit Authority
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
58.5
across outlets in this ZIP
Avg square feet
20,000
per outlet
Outlets in this ZIP
- 1.Northmont Branch Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federal Disaster Declarations
Federally Declared Disasters
17
Date Range
1968–2024
Most Recent Declaration
TORNADOES
Tornado — declared May 2, 2024 (DR-4777)
Incident period: March 14, 2024 – March 14, 2024
Top Incident Types
- Severe Storm7 (41%)
- Snowstorm3 (18%)
- Tornado2 (12%)
- Biological2 (12%)
- Flood2 (12%)
- Other1 (6%)
Individual Assistance
4
Direct help to disaster survivors
Households Program
4
Housing & temporary lodging support
Public Assistance
11
Repair of public facilities & roads
Hazard Mitigation
7
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
53.9°F
44.5° – 63.4°
Annual precipitation
41.3"
Annual snowfall
25"
Heating · cooling days
5,149.2 · 1,153.9
Annual base 65°F
Nearest station: DAYTON INTL AP, OH US, 5.8 miles from the centroid of Clayton, OH (ZIP 45322)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Air quality
Median daily AQI
47
GoodGood 225dModerate 135dUSG 4d
Peak AQI (2024)
147
Unhealthy for Sensitive Groups
Primary pollutant
PM2.5
201 days as main pollutant
Days measured
364
Based on Montgomery County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
12,141
That is roughly 3,941 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
20%
of adults self-report
Poor physical health days
4.7
avg per adult per month
Poor mental health days
6.2
avg per adult per month
Uninsured
7.5%
of residents under 65
Primary care MDs
95
per 100,000 residents
Preventable hospital stays
3,246
per 100K Medicare enrollees
Food environment (0-10)
7.2
10 = best access & security
Exercise access
93%
residents near a facility
Flu vaccinated
49%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.3% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Montgomery data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Significant food access concerns
28.8% of Montgomery County, OH residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.15
per 1,000 residents
Supercenters & clubs
0.03
per 1,000 residents
SNAP-authorized stores
0.85
accepting food benefits
Fast-food restaurants
0.94
per 1,000 residents
Among low-income residents, 10.1% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Montgomery County, OH for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 51 reports
Property crime rate
—
per 100K residents · 212 reports
Homicide
1
Robbery
1
Burglary
33
Vehicle theft
20
County-level data for Miami (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+328 people
−134 households • −$152.4M net AGI flow
Moved in
16,162households
27,362 people • $903.0M AGI
Moved out
16,296households
27,034 people • $1.1B AGI
Where new residents came from
- Greene County, OH — 2,258 households
- Warren County, OH — 1,027 households
- Butler County, OH — 737 households
- Miami County, OH — 710 households
- Franklin County, OH — 520 households
Where departing residents went
- Greene County, OH — 2,215 households
- Warren County, OH — 1,040 households
- Miami County, OH — 889 households
- Franklin County, OH — 702 households
- Butler County, OH — 571 households
Incoming households reported an average AGI of $55,871 versus departing households' $64,763.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Ohio
State-level rules that apply to every resident of ZIP 45322. Numbers reflect the most recent published year per source.
Tax rates
Income tax
3.50%
flat · 1 brackets
Sales tax (combined)
7.29%
State 5.75% · avg local 1.54%
Property tax (effective)
0.89%
Median $1,417/year
Tax burden rank
25 of 50
10.10% of personal income
For ZIP 45322: At this ZIP's median AGI of $63,125, the estimated state income tax (before deductions) runs about $1,326 per year. Applied to this ZIP's typical home value of $225,044, that works out to roughly $1,999/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
130% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 45322
Other ZIPs in Clayton
Nearby ZIPs by distance
45315 (Clayton, 3.2 mi) · 45383 (West Milton, 3.7 mi) · 45354 (Phillipsburg, 3.8 mi) · 45377 (Vandalia, 5.8 mi) · 45415 (Clayton, 6 mi) · 45361 (Potsdam, 6.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Fresh.HUD SAFMR · May 1, 2026
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
35.0%
2.0pp above the 33.0% national rate.
High Blood Pressure
36.8%
4.8pp above the 32.0% national rate.
Depression
25.7%
3.7pp above the 22.0% national rate.
Annual Checkup
81.6%
5.6pp above the 76.0% national rate.
Health Insurance
6.3%
6.7pp below the 13.0% national rate.
Diabetes
13.6%
2.6pp above the 11.0% national rate.
Schools in this ZIP
4 schools serve this ZIP, including 4 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| Northmoor Elementary School | Public | 2–6 | 465 |
| Union Elementary School | Public | 2–6 | 412 |
| Englewood Elementary School | Public | 2–6 | 298 |
| Englewood Hills Elementary School | Public | 2–6 | 251 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 27, 2026Colleges & universities nearby
Colleges in this area
10
Median in-state tuition
$16,448
Median earnings (10 yr)
$41,360
- 4-Year
Cedarville University
Cedarville, OH · 45314
- In-state tuition
- $37,150
- Out-of-state tuition
- $37,150
- Acceptance rate
- 65.3%
- Graduation rate
- 73.4%
- Median earnings (10 yr)
- $55,443
- Median student debt
- $20,937
- 4-Year
Central State University
Wilberforce, OH · 45384
- In-state tuition
- $8,058
- Out-of-state tuition
- $10,058
- Acceptance rate
- 98.6%
- Graduation rate
- 24.1%
- Median earnings (10 yr)
- $33,267
- Median student debt
- $30,739
- 4-Year
Edison State Community College
Piqua, OH · 45356
- In-state tuition
- $4,499
- Out-of-state tuition
- $8,346
- Acceptance rate
- —
- Graduation rate
- 38.0%
- Median earnings (10 yr)
- $41,360
- Median student debt
- $16,250
- 4-Year
Wilberforce University
Wilberforce, OH · 45384
- In-state tuition
- $16,448
- Out-of-state tuition
- $16,448
- Acceptance rate
- 40.5%
- Graduation rate
- 13.4%
- Median earnings (10 yr)
- $38,298
- Median student debt
- $26,468
- Certificate
Hobart Institute of Welding Technology
Troy, OH · 45373
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 88.9%
- Median earnings (10 yr)
- $60,955
- Median student debt
- $5,500
- Certificate
Upper Valley Career Center
Piqua, OH · 45356
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 63.9%
- Median earnings (10 yr)
- $52,170
- Median student debt
- $8,793
- 4-Year
Antioch College
Yellow Springs, OH · 45387
- In-state tuition
- $37,143
- Out-of-state tuition
- $37,143
- Acceptance rate
- 89.1%
- Graduation rate
- 35.9%
- Median earnings (10 yr)
- —
- Median student debt
- —
- Certificate
Ross Medical Education Center-Dayton
Fairborn, OH · 45324
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 46.2%
- Median earnings (10 yr)
- $33,079
- Median student debt
- $9,500
- 4-Year
Antioch University
Yellow Springs, OH · 45387
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $51,541
- Median student debt
- $23,501
- 2-Year
Dayton Barber College
Miamisburg, OH · 45342
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 74.8%
- Median earnings (10 yr)
- $17,789
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Clayton, OH (ZIP 45322) sits in Montgomery County within the Dayton-Kettering-Beavercreek metro area. The page draws on 2 federal data feeds retrieved Apr 27. Top health signal: Health Insurance comes in below the national average at 6.3%. NCES lists 4 schools serving the area, 4 non-charter. 10 colleges and universities serve the area, with median in-state tuition of $16,448. IRS data shows average household income (AGI) of $63,125, well above the ~$45K national average per return. Federal QCEW filings show 250,085 covered jobs in this ZIP's primary county — a major regional employment hub. The most recent FEMA disaster declaration here was tornado-related (TORNADOES, 2024). County Health Rankings reports 12,141 years of potential life lost per 100,000 (2025) — well above the national county median. 28.8% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Ohio levies a flat state income tax (top rate 3.50%); a household at the local median AGI of $63,125 would pay roughly $1,326/year before deductions. Per IRS migration filings (2022-2023), the area's primary county lost $152,400,000 in net taxable income to other counties. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $69,407, fair market rent of $1,340 for a two-bedroom, and a typical home value of $225,044, up 5.2% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 25.7%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 45322
What is the obesity rate in ZIP 45322?
35.0%, which is 2.0 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 45322?
25.7%, which is 3.7 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 45322?
36.8%, which is 4.8 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 45322?
4 schools serve this ZIP, including 4 public schools (NCES CCD, retrieved Apr 27, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 45322 have charter schools?
No charter schools are listed in ZIP 45322 by NCES CCD (retrieved Apr 27, 2026).
Are there high schools in ZIP 45322?
No high schools are listed in this ZIP by NCES CCD (retrieved Apr 27, 2026).
What is the population of ZIP 45322?
21,540 people live in ZIP 45322, with a median age of 42.5 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 45322?
$69,407 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 45322 mostly renters or homeowners?
In ZIP 45322, 74.9% of occupied housing units are owner-occupied and 25.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 45322?
In ZIP 45322, 5.3% of workers work from home. Public transit is used by 0.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 45322?
5.2% of the population in ZIP 45322 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 45322 have broadband internet?
92.0% of households in ZIP 45322 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 45322?
The typical home value in ZIP 45322 is $225,044, up 5.2% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 45322?
Home values are up 5.2% over the past year and up 42.8% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 45322?
The average Adjusted Gross Income reported on tax returns from ZIP 45322 (Clayton, OH) is $63,125 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 45322?
Tax returns from ZIP 45322 report an average of $173 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 45322 earn over $200,000?
2.1% of tax returns from ZIP 45322 (Clayton, OH) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 45322?
As of 2022, 313 business establishments operated in ZIP 45322 employing 3,888 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 45322?
The average annual pay across all local establishments in ZIP 45322 is $35,475, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 45322 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 45322 ranks in the 28th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 45322?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 45322, ranking in the 50th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 45322 experienced?
FEMA has recorded 17 federal disaster declarations affecting ZIP 45322 between 1968–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 45322?
Severe Storm is the most common federally declared disaster type affecting ZIP 45322, accounting for 7 of 17 declarations (41%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 45322?
The most recent FEMA disaster declaration affecting ZIP 45322 was "TORNADOES" — a tornado declared in 2024 (DR-4777) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 45322?
10 colleges and universities are listed near ZIP 45322 by the U.S. Department of Education College Scorecard, including Cedarville University, Central State University, and Edison State Community College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 45322?
Median in-state tuition across 10 nearby institutions is $16,448 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 45322?
Graduates of nearby colleges earn a median of $41,360 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 45322?
ZIP 45322 has an average annual temperature of 53.9°F and 41.3" of annual precipitation based on the DAYTON INTL AP, OH US weather station 5.8 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 45322 have public transit?
Yes — ZIP 45322 is part of the Dayton, OH urbanized area, primarily served by Greater Dayton Regional Transit Authority (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 45322?
Ohio has a flat income tax with a top rate of 3.50%. Households at the local median AGI of $63,125 would pay roughly $1,326 in state income tax annually (estimated, before deductions). Combined sales tax: 7.29% (Tax Foundation 2025).
Does Ohio have paid family leave?
Ohio has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 45322?
This page covers health outcomes from CDC PLACES (40 metrics), school information from NCES CCD (4 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (10 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (17 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 27, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (17 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 45322
Other ZIPs in Clayton
Nearby ZIPs by distance
45315 (Clayton, 3.2 mi) · 45383 (West Milton, 3.7 mi) · 45354 (Phillipsburg, 3.8 mi) · 45377 (Vandalia, 5.8 mi) · 45415 (Clayton, 6 mi) · 45361 (Potsdam, 6.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
28th percentile
Moderate Vulnerability
Based on 9 census tracts, population 19,242
Vulnerability Themes
Households Without Vehicle
263
Limited English Speakers
19
Persons with Disability
2,391
Without HS Diploma
401
Without Health Insurance
1,082
Adults Age 65+
4,560
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.