Clinton County, Iowa: commercial real estate data.
Clinton County, Iowa has a population of 46,268 across 695 square miles, down 1.0 percent since the 2020 census base. County output reached $2.95 bn in 2024, 1,122 establishments operate here, and the SBA record carries 47 7(a) approvals worth $20.2 m.
120 sourced county values · tier FULL · 11 sections
Clinton County
How many people live in Clinton County
- Population46,268
- Households19,506
- Average household size2.37
- Median household income$66,981
- Median age42.4
- Median gross rent$850 per month
- Median owner-occupied home value$160,600
- Home value to household income2.4 times
- Annual rent as a share of median income15.2 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over32,266
- Population under 1810,582
- Share under 1822.9 percent
- Population 65 and over9,378
- Share 65 and over20.3 percent
- Working age population, 18 to 6426,308
- Civilian labor force22,506
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Iowa counties12th of 99
- Rank by population among US county-equivalents1071st
Clinton County is the 12th largest of 99 Iowa counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.9 percent against 20.3 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-0.96 percent
- Census 2020 base population46,460
- Births, 2024553
- Deaths, 2024658
- Natural change, 2024-105
- Net domestic migration, 2024-41
- Net international migration, 202428
- Total net migration, 2024-13
- Cumulative net domestic migration, 2021 to 2024-40
- Rank by growth among US county-equivalents2174th
The county has lost 0.96 percent of its population since the 2020 census base.
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 arriving980
- People arriving, from those returns1,737
- Adjusted gross income arriving$48.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,538
- Largest single originClinton County Non-migrants (18,133 households)
- Largest single destination (18,133 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 18,133 | 36,670 | $1.25 bn |
| Other flows - Different State | 360 | 681 | $18.5 m |
| Scott County | 203 | 356 | $10.7 m |
| Other flows - Midwest | 180 | 358 | $9.3 m |
| Other flows - South | 105 | 185 | $5.3 m |
| Whiteside County | 102 | 177 | $4.1 m |
| Other flows - Same State | 90 | 130 | $4.3 m |
| Other flows - West | 75 | 138 | $3.9 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$2.95 bn
- County GDP, 2023$2.89 bn
- GDP change, 2023 to 20242.2 percent
- GDP change over five years27.3 percent
- Rank by GDP among Iowa counties14th
- Rank by GDP among US county-equivalents992nd
- GDP per resident$63,771
Output grew 2.2 percent in the latest year and 27.3 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 average19,273
- Establishments reporting1,498
- Average annual pay$52,714
- Average weekly wage$1,014
- Sector 31-33, employment4,518
- Sector 31-33, average annual pay$77,954
- Sector 62, employment2,832
- Sector 62, average annual pay$50,035
- Sector 44-45, employment2,257
- Sector 44-45, average annual pay$32,522
- Sector 72, employment1,620
- Sector 72, average annual pay$19,520
- Sector 56, employment938
- Sector 48-49, employment889
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 4,518 | 73 | $77,954 |
| Sector 62 | 2,832 | 264 | $50,035 |
| Sector 44-45 | 2,257 | 145 | $32,522 |
| Sector 72 | 1,620 | 117 | $19,520 |
| Sector 56 | 938 | 95 | $34,086 |
| Sector 48-49 | 889 | 71 | $58,713 |
| Sector 23 | 709 | 128 | $61,158 |
| Sector 52 | 564 | 85 | $68,038 |
The largest sector is the biggest private employer group at 4,518 jobs, 23.4 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 industries1,122
- Employment at those establishments16,170
- Annual payroll$793.1 m
- Establishments per 1,000 residents24.3
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, 2024117
- Declared construction value permitted$23.6 m
- Single family units authorised31
- Multifamily units authorised86
- Multifamily share of units73.5 percent
- Average declared value per unit$201,369
- Units authorised per 1,000 households6.0
Multifamily is 73.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Clinton County
How much SBA lending happens in Clinton County
- 7(a) approvals recorded47
- 7(a) gross approval dollars$20.2 m
- Average 7(a) approval$429,611
- Median 7(a) approval$160,000
- 10th percentile approval$35,000
- 90th percentile approval$1,545,000
- Largest single approval$3,650,000
- Jobs reported supported, 7(a)319
- Jobs per approval6.8
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter27
- Franchise loans6
- Franchise share of approvals12.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (7)
- Most active lenderCitizens First Bank (23)
- 504 approvals recorded15
- 504 gross approval dollars$16.4 m
- Average 504 approval$1,092,133
- Median 504 approval$758,000
- Distinct CDCs active3
- 504 jobs per approval9.9
- 504 jobs per million dollars approved9.0
- Most active CDCIowa Business Growth Company (7)
- 7(a) share of SBA approvals75.8 percent
- Combined SBA approval dollars$36.6 m
The average approval of $429,611 sits well above the median of $160,000, 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 19.1 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 recorded23
- Paid in full23
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full23
- Status: Cancelled4
- Status: Exempt from disclosure20
Of the 23 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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 lending5
- CLINTON, approvals40
- WHEATLAND, approvals3
- CAMANCHE, approvals2
- DE WITT, approvals1
- SABULA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLINTON | 40 | $17,326,500 |
| WHEATLAND | 3 | $2,414,000 |
| CAMANCHE | 2 | $331,200 |
| DE WITT | 1 | $85,000 |
| SABULA | 1 | $35,000 |
CLINTON accounts for 40 approvals against 3 in WHEATLAND. 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 area695 sq mi
- Rank by land area among Iowa counties15th of 99
- Width, east to west39 mi
- Height, north to south21 mi
- Geographies sharing a boundary4
- Residents per square mile of land67
- Establishments per square mile1.61
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.
- Population46,268
- Households19,506
- Average household size2.37
- Median household income$66,981
- Median age42.4
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Iowa?
46,268, in 19,506 households, ranking 12th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County growing?
The population has fallen 0.96 percent since the 2020 census base. In 2024 there were 553 births against 658 deaths, with net migration of -13. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$66,981. The median owner-occupied home is valued at $160,600, which is 2.4 times income, and median gross rent is $850 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clinton County?
1,122 establishments, employing 16,170 people with an annual payroll of $793.1 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 $52,714, or $1,014 a week, across 19,273 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?
47 7(a) approvals totalling $20.2 m since FY2020, across 12 lenders, with a median approval of $160,000, plus 15 504 approvals worth $16.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clinton County get paid back?
Of the 23 loans that have reached a final outcome, 23 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Clinton County?
117 housing units were authorised by permit in 2024, with a declared construction value of $23.6 m. Multifamily was 73.5 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 18,133 households. Arriving households report an average income of $49,538 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.