Clayton, Montgomery County, Ohio Property Taxes

Name: Property Tax Bills Across Clayton, Montgomery County, Ohio
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Clayton, OH effective property tax rate: 2.65%, significantly higher than the national median of 1.02%, but lower than the Ohio state median of 1.80%.
Median Clayton, OH home value: $131,265
Median annual Clayton, OH tax bill: $3,436, $1,036 higher than the national median property tax bill of $2,400.

How are property taxes in Montgomery calculated?

Property taxes in Clayton, OH are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Clayton’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Clayton, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Clayton, Montgomery County, Ohio Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.65%

Estimate Property Tax Bill

$3,479

$3,228

Ownwell’s Clayton Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Clayton with just two data points. By entering your property's estimated assessed value, our calculator applies Clayton’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Montgomery County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Clayton, Montgomery County, Ohio

As noted earlier, local government entities set tax rates, which can vary widely within a state. Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Clayton’s effective property tax rate to other cities in Ohio and the median property tax rates in Ohio and the U.S.

Property Tax Rates Across Clayton, Montgomery County, Ohio

Source: Ownwell

1.27%

2.33%

3.39%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Clayton Tax Rate

2.65%

Median Effective Montgomery County Tax Rate

2.62%

Median Effective Ohio Tax Rate

1.80%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Clayton, Montgomery County, Ohio

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
45315	2.13%	2.64%	2.65%	2.70%	2.87%

Source: Ownwell

Property Tax Assessment Values Across Clayton, Montgomery County, Ohio

When examining property taxes in Clayton, Ohio, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Montgomery County Auditor estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill. In Montgomery County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of March. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Clayton. For example, the median home price in Clayton is $131,265, with tax bills ranging significantly across the county. Zip code 45315 has the highest median home price at $131,265.

Property Tax Assessment Values Across Clayton, Montgomery County, Ohio

Source: Ownwell

$4,930

$124,385

$243,840

Median Clayton Market Value

$131,265

Median Montgomery County Market Value

$98,910

Median Ohio Market Value

$133,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across Clayton, Montgomery County, Ohio

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
45315	$69,289	$103,582	$131,265	$188,822	$281,678

Source: Ownwell

Property Tax Bills Across Clayton, Montgomery County, Ohio

In Clayton, located in Montgomery County, OH, property tax bills are determined by assessing the property's market value and applying the local tax rate. The tax rate is then applied to the assessed value, which is a percentage of the market value. Homeowners in Clayton face a median property tax bill considerably higher than the national median of $2,400, with bills ranging from $2,572 at the 25th percentile to $7,550 at the 90th percentile. The highest and lowest median tax bills in the area are both $3,436, illustrating a consistent tax burden across the region. These tax bills can significantly impact homeowners, potentially affecting affordability and long-term financial planning. Ownwell can assist homeowners in Clayton by offering property tax appeal services, ensuring that their property assessments are accurate and fair. By leveraging expertise in local tax regulations and market trends, Ownwell helps homeowners reduce their property tax bills, providing financial relief and contributing to more manageable homeownership costs.

Property Tax Bills Across Clayton, Montgomery County, Ohio

Source: Ownwell

$140

$3,884

$7,628

Median Clayton Tax Bill

$3,436

Median Montgomery County Tax Bill

$2,435

Median Ohio Tax Bill

$2,396

Median United States Tax Bill

$2,400

Property Tax Bills Across Clayton, Montgomery County, Ohio

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
45315	$1,775	$2,572	$3,436	$5,075	$7,550

Source: Ownwell