Clinton County, Kentucky: commercial real estate data.
Clinton County, Kentucky has a population of 9,202 across 197 square miles, down 0.7 percent since the 2020 census base. County output reached $465.7 m in 2024, 175 establishments operate here, and the SBA record carries 1 7(a) approvals worth $1.5 m.
108 sourced county values · tier FULL · 10 sections
Clinton County
How many people live in Clinton County
- Population9,202
- Households3,854
- Average household size2.39
- Median household income$44,844
- Median age42.9
- Median gross rent$617 per month
- Median owner-occupied home value$122,200
- Home value to household income2.7 times
- Annual rent as a share of median income16.5 percent
- Adults 25 and over with a bachelor degree or higher18.0 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over6,574
- Population under 181,974
- Share under 1821.5 percent
- Population 65 and over1,894
- Share 65 and over20.6 percent
- Working age population, 18 to 645,334
- Civilian labor force4,329
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over59.9 percent
- Rank by population among Kentucky counties100th of 120
- Rank by population among US county-equivalents2549th
Clinton County is the 100th largest of 120 Kentucky counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 20.6 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-0.71 percent
- Census 2020 base population9,249
- Births, 2024109
- Deaths, 2024121
- Natural change, 2024-12
- Net domestic migration, 2024-15
- Net international migration, 202431
- Total net migration, 202416
- Cumulative net domestic migration, 2021 to 202423
- Rank by growth among US county-equivalents2093rd
The county has lost 0.71 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
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 arriving117
- People arriving, from those returns229
- Adjusted gross income arriving$4.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$39,991
- Largest single originClinton County Non-migrants (3,172 households)
- Largest single destination (3,172 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 3,172 | 6,682 | $136.7 m |
| Other flows - Same State | 50 | 85 | $1.7 m |
| Other flows - Different State | 37 | 81 | $2.2 m |
| Other flows - South | 37 | 81 | $2.2 m |
| Wayne County | 30 | 63 | $753,000 |
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$465.7 m
- County GDP, 2023$421.5 m
- GDP change, 2023 to 202410.5 percent
- GDP change over five years29.0 percent
- Rank by GDP among Kentucky counties77th
- Rank by GDP among US county-equivalents2450th
- GDP per resident$50,611
Output grew 10.5 percent in the latest year and 29.0 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 average3,534
- Establishments reporting301
- Average annual pay$40,596
- Average weekly wage$781
- Sector 31-33, employment1,483
- Sector 31-33, average annual pay$46,129
- Sector 44-45, employment428
- Sector 44-45, average annual pay$25,412
- Sector 62, employment332
- Sector 62, average annual pay$51,261
- Sector 72, employment155
- Sector 72, average annual pay$18,395
- Sector 42, employment116
- Sector 71, employment82
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,483 | 20 | $46,129 |
| Sector 44-45 | 428 | 46 | $25,412 |
| Sector 62 | 332 | 72 | $51,261 |
| Sector 72 | 155 | 19 | $18,395 |
| Sector 42 | 116 | 11 | $41,727 |
| Sector 71 | 82 | 6 | $27,771 |
| Sector 23 | 64 | 14 | $51,539 |
| Sector 56 | 61 | 12 | $24,491 |
The largest sector is the biggest private employer group at 1,483 jobs, 42.0 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 industries175
- Employment at those establishments2,565
- Annual payroll$93.3 m
- Establishments per 1,000 residents19.0
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, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Clinton County
How much SBA lending happens in Clinton County
- 7(a) approvals recorded1
- 7(a) gross approval dollars$1.5 m
- Average 7(a) approval$1,475,000
- Median 7(a) approval$1,475,000
- 10th percentile approval$1,475,000
- 90th percentile approval$1,475,000
- Largest single approval$1,475,000
- Jobs reported supported, 7(a)4
- Jobs per approval4.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter0
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFuneral Homes and Funeral Services (1)
- Most active lenderLive Oak Banking Company (1)
- 504 approvals recorded1
- 504 gross approval dollars$2.5 m
- Average 504 approval$2,467,000
- Median 504 approval$2,467,000
- Distinct CDCs active1
- 504 jobs per approval24.0
- 504 jobs per million dollars approved9.7
- Most active CDCCommunity Ventures Corporation (1)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$3.9 m
The average approval of $1,475,000 sits close to the median of $1,475,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 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 recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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
How big is Clinton County
- Land area197 sq mi
- Rank by land area among Kentucky counties103rd of 120
- Width, east to west17.8 mi
- Height, north to south16.9 mi
- Geographies sharing a boundary3
- Residents per square mile of land47
- Establishments per square mile0.89
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.
- Population9,202
- Households3,854
- Average household size2.39
- Median household income$44,844
- Median age42.9
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Kentucky?
9,202, in 3,854 households, ranking 100th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County growing?
The population has fallen 0.71 percent since the 2020 census base. In 2024 there were 109 births against 121 deaths, with net migration of 16. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$44,844. The median owner-occupied home is valued at $122,200, which is 2.7 times income, and median gross rent is $617 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clinton County?
175 establishments, employing 2,565 people with an annual payroll of $93.3 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 $40,596, or $781 a week, across 3,534 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?
1 7(a) approvals totalling $1.5 m since FY2020, across 1 lenders, with a median approval of $1,475,000, plus 1 504 approvals worth $2.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Clinton County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clinton County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 3,172 households. Arriving households report an average income of $39,991 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.