Clinton County, Indiana: commercial real estate data.
Clinton County, Indiana has a population of 32,944 across 405 square miles, down 0.9 percent since the 2020 census base. County output reached $2.02 bn in 2024, 630 establishments operate here, and the SBA record carries 29 7(a) approvals worth $15.0 m.
121 sourced county values · tier FULL · 11 sections
Clinton County
How many people live in Clinton County
- Population32,944
- Households12,496
- Average household size2.64
- Median household income$65,019
- Median age36.7
- Median gross rent$920 per month
- Median owner-occupied home value$164,100
- Home value to household income2.5 times
- Annual rent as a share of median income17.0 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree5.2 percent
- Adults 25 and over21,285
- Population under 188,848
- Share under 1826.9 percent
- Population 65 and over5,337
- Share 65 and over16.2 percent
- Working age population, 18 to 6418,759
- Civilian labor force16,469
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over68.3 percent
- Rank by population among Indiana counties52nd of 92
- Rank by population among US county-equivalents1399th
Clinton County is the 52nd largest of 92 Indiana counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.9 percent against 16.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clinton County
Is Clinton County growing
- Population change since the 2020 census base-0.87 percent
- Census 2020 base population33,183
- Births, 2024438
- Deaths, 2024356
- Natural change, 202482
- Net domestic migration, 2024-183
- Net international migration, 2024117
- Total net migration, 2024-66
- Cumulative net domestic migration, 2021 to 2024-531
- Rank by growth among US county-equivalents2147th
The county has lost 0.87 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Clinton County
Where people moving to Clinton County come from
- Tax returns filed by households arriving749
- People arriving, from those returns1,325
- Adjusted gross income arriving$34.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$46,072
- Largest single originClinton County Non-migrants (12,543 households)
- Largest single destination (12,543 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 12,543 | 26,596 | $775.4 m |
| Tippecanoe County | 216 | 380 | $9.9 m |
| Other flows - Same State | 149 | 265 | $6.1 m |
| Other flows - Different State | 134 | 264 | $6.6 m |
| Other flows - South | 70 | 147 | $3.9 m |
| Boone County | 67 | 110 | $3.4 m |
| Marion County | 55 | 92 | $3.0 m |
| Howard County | 54 | 92 | $1.9 m |
The largest single source of arrivals is Clinton County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Clinton County
What the Clinton County economy runs on
- County GDP, 2024$2.02 bn
- County GDP, 2023$1.97 bn
- GDP change, 2023 to 20242.8 percent
- GDP change over five years31.2 percent
- Rank by GDP among Indiana counties45th
- Rank by GDP among US county-equivalents1266th
- GDP per resident$61,392
Output grew 2.8 percent in the latest year and 31.2 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Clinton County
Who employs people in Clinton County
- Covered employment, annual average11,551
- Establishments reporting634
- Average annual pay$52,965
- Average weekly wage$1,019
- Sector 31-33, employment4,395
- Sector 31-33, average annual pay$63,036
- Sector 44-45, employment954
- Sector 44-45, average annual pay$30,156
- Sector 62, employment873
- Sector 62, average annual pay$48,181
- Sector 72, employment822
- Sector 72, average annual pay$17,923
- Sector 23, employment545
- Sector 48-49, employment410
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 4,395 | 40 | $63,036 |
| Sector 44-45 | 954 | 84 | $30,156 |
| Sector 62 | 873 | 39 | $48,181 |
| Sector 72 | 822 | 51 | $17,923 |
| Sector 23 | 545 | 68 | $71,385 |
| Sector 48-49 | 410 | 52 | $72,574 |
| Sector 81 | 328 | 49 | $36,851 |
| Sector 56 | 240 | 27 | $48,273 |
The largest sector is the biggest private employer group at 4,395 jobs, 38.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clinton County
What businesses operate in Clinton County
- Establishments, all industries630
- Employment at those establishments10,963
- Annual payroll$522.8 m
- Establishments per 1,000 residents19.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Clinton County
What is being built in Clinton County
- Housing units authorised by permit, 202459
- Declared construction value permitted$15.6 m
- Single family units authorised59
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$264,732
- Units authorised per 1,000 households4.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Clinton County
How much SBA lending happens in Clinton County
- 7(a) approvals recorded29
- 7(a) gross approval dollars$15.0 m
- Average 7(a) approval$518,272
- Median 7(a) approval$207,000
- 10th percentile approval$25,000
- 90th percentile approval$2,115,000
- Largest single approval$2,710,000
- Jobs reported supported, 7(a)395
- Jobs per approval13.6
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals20
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.7 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter20
- Franchise loans5
- Franchise share of approvals17.2 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderThe Huntington National Bank (7)
- 504 approvals recorded6
- 504 gross approval dollars$2.6 m
- Average 504 approval$431,833
- Median 504 approval$275,000
- Distinct CDCs active1
- 504 jobs per approval4.8
- 504 jobs per million dollars approved11.2
- Most active CDCIndiana Statewide Certified Development Corporation (6)
- 7(a) share of SBA approvals82.9 percent
- Combined SBA approval dollars$17.6 m
The average approval of $518,272 sits well above the median of $207,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 20.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clinton County
Do SBA loans in Clinton County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Exempt from disclosure18
- Status: Paid in full5
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 5 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clinton County
Which parts of Clinton County get the lending
- Places in the county with recorded lending6
- FRANKFORT, approvals20
- MULBERRY, approvals4
- Kirklin, approvals2
- MICHIGANTOWN, approvals1
- Rossville, approvals1
- COLFAX, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| FRANKFORT | 20 | $13,578,800 |
| MULBERRY | 4 | $884,000 |
| Kirklin | 2 | $67,800 |
| MICHIGANTOWN | 1 | $165,000 |
| Rossville | 1 | $207,000 |
| COLFAX | 1 | $127,300 |
FRANKFORT accounts for 20 approvals against 4 in MULBERRY. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clinton County
How big is Clinton County
- Land area405 sq mi
- Rank by land area among Indiana counties40th of 92
- Width, east to west23.9 mi
- Height, north to south17.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land81
- Establishments per square mile1.56
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Clinton County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Clinton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population32,944
- Households12,496
- Average household size2.64
- Median household income$65,019
- Median age36.7
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Indiana?
32,944, in 12,496 households, ranking 52nd of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County growing?
The population has fallen 0.87 percent since the 2020 census base. In 2024 there were 438 births against 356 deaths, with net migration of -66. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$65,019. The median owner-occupied home is valued at $164,100, which is 2.5 times income, and median gross rent is $920 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clinton County?
630 establishments, employing 10,963 people with an annual payroll of $522.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Clinton County?
Average annual pay is $52,965, or $1,019 a week, across 11,551 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clinton County?
29 7(a) approvals totalling $15.0 m since FY2020, across 13 lenders, with a median approval of $207,000, plus 6 504 approvals worth $2.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Clinton County?
59 housing units were authorised by permit in 2024, with a declared construction value of $15.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clinton County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Clinton County come from?
The largest single origin is Clinton County Non-migrants, with 12,543 households. Arriving households report an average income of $46,072 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Clinton County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Clinton County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.