Clayton, OH 55+ Active Adult Retirement Communities

1 Community in Clayton

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Overview

Clayton is a city in Montgomery county, Ohio, just northwest of Dayton. The culture in Clayton is quaint and low maintenance and has a close-knit community, with organizations like the Dayton Philharmonic, and Dayton Dragons minor league baseball team. The city prides itself on being one of the safest in the state. 

Climate and Geography

Clayton has a humid continental climate, which features four distinct seasons, with hot, humid summers and cold winters that often reach freezing temperatures. Precipitation in the region results in higher-than-average rainfall, lower-than-average snowfall, and there are about 176 sunny days each year.

The city is situated in the Till Plains, and the surrounding terrain is mostly flat with farmlands to the west. Just east of the border of Clayton is the Stillwater River and the Englewood Recreation Reservoir.

Recreation, Culture, & Entertainment 

Residents of Clayton can visit local attractions like the Ohio Caverns, Boonshoft Museum of Discover, Dixie Drive In Theatre, the Covered Wagon Farm Market, National Museum of the United States Air Force, 2nd Street Market, or Carillon Historical Park, or the Neon. 

Cost of Living & Taxes

Cost of living in Clayton is similar to the Ohio cost of living and both fall below the national cost of living index, with the low cost of housing being the biggest factor. Utilities are the only metric that are above the national average. Taxes in Ohio range between 1.98 percent and 7.15 percent, with additional municipal taxes.

Retirement income like Social Security benefits, military pensions, and railroad retirement benefits are not taxed. For 401(k) plans, and IRAs that are susceptible to tax, there are several tax credit programs available ranging in amount depending on income levels. Homeowners over the age of 65 can also apply for different tax breaks depending on gross income. 

Health Care

Clayton is located near U.S. News nationally ranked and high performing hospitals including Miami Valley Hospital, Kettering Medical Center, Sycamore Medical Center, Atrium Medical Center-MIddletown which are within a 25 mile range from Clayton. These hospitals have recognition for performance in procedures like nephrology, neurology, neurosurgery, orthopedics, and pulmonology and lung surgery