Clinton County, Michigan: commercial real estate data.
Clinton County, Michigan has a population of 79,626 across 566 square miles, up 1.2 percent since the 2020 census base. County output reached $3.17 bn in 2024, 1,406 establishments operate here, and the SBA record carries 83 7(a) approvals worth $31.1 m.
127 sourced county values · tier FULL · 12 sections
Clinton County
How many people live in Clinton County
- Population79,626
- Households31,639
- Average household size2.52
- Median household income$88,210
- Median age41.8
- Median gross rent$1,092 per month
- Median owner-occupied home value$259,500
- Home value to household income2.9 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher35.4 percent
- Adults 25 and over with a graduate degree13.9 percent
- Adults 25 and over56,125
- Population under 1817,005
- Share under 1821.4 percent
- Population 65 and over14,971
- Share 65 and over18.8 percent
- Working age population, 18 to 6447,650
- Civilian labor force41,146
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over65.7 percent
- Rank by population among Michigan counties25th of 83
- Rank by population among US county-equivalents731st
Clinton County is the 25th largest of 83 Michigan counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 18.8 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 base1.17 percent
- Census 2020 base population79,128
- Births, 2024703
- Deaths, 2024722
- Natural change, 2024-19
- Net domestic migration, 202475
- Net international migration, 2024174
- Total net migration, 2024249
- Cumulative net domestic migration, 2021 to 2024706
- Rank by growth among US county-equivalents1427th
The county has grown 1.17 percent 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 arriving2,608
- People arriving, from those returns4,450
- Adjusted gross income arriving$174.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$66,710
- Largest single originClinton County Non-migrants (30,630 households)
- Largest single destination (30,630 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 30,630 | 64,270 | $2.98 bn |
| Ingham County | 879 | 1,484 | $59.4 m |
| Other flows - Different State | 464 | 762 | $39.4 m |
| Eaton County | 278 | 511 | $18.1 m |
| Other flows - Same State | 270 | 443 | $15.4 m |
| Other flows - South | 174 | 281 | $15.4 m |
| Shiawassee County | 155 | 304 | $10.9 m |
| Other flows - West | 132 | 215 | $11.2 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$3.17 bn
- County GDP, 2023$3.04 bn
- GDP change, 2023 to 20244.1 percent
- GDP change over five years36.5 percent
- Rank by GDP among Michigan counties28th
- Rank by GDP among US county-equivalents939th
- GDP per resident$39,785
Output grew 4.1 percent in the latest year and 36.5 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 average18,614
- Establishments reporting1,464
- Average annual pay$53,866
- Average weekly wage$1,036
- Sector 44-45, employment2,617
- Sector 44-45, average annual pay$42,271
- Sector 23, employment2,096
- Sector 23, average annual pay$70,730
- Sector 62, employment1,908
- Sector 62, average annual pay$46,837
- Sector 31-33, employment1,671
- Sector 31-33, average annual pay$70,753
- Sector 72, employment1,619
- Sector 42, employment931
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,617 | 169 | $42,271 |
| Sector 23 | 2,096 | 209 | $70,730 |
| Sector 62 | 1,908 | 141 | $46,837 |
| Sector 31-33 | 1,671 | 70 | $70,753 |
| Sector 72 | 1,619 | 91 | $19,870 |
| Sector 42 | 931 | 55 | $70,729 |
| Sector 56 | 872 | 71 | $63,014 |
| Sector 11 | 791 | 58 | $43,140 |
The largest sector is the biggest private employer group at 2,617 jobs, 14.1 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 industries1,406
- Employment at those establishments17,584
- Annual payroll$878.9 m
- Establishments per 1,000 residents17.7
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, 2024154
- Declared construction value permitted$49.7 m
- Single family units authorised138
- Multifamily units authorised16
- Multifamily share of units10.4 percent
- Average declared value per unit$322,609
- Units authorised per 1,000 households4.9
Multifamily is 10.4 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 recorded83
- 7(a) gross approval dollars$31.1 m
- Average 7(a) approval$374,105
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$870,500
- Largest single approval$4,855,000
- Jobs reported supported, 7(a)527
- Jobs per approval6.3
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals50
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.5 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter68
- Franchise loans2
- Franchise share of approvals2.4 percent
- Leading industry by approval countGeneral Freight Trucking, Local (8)
- Most active lenderThe Huntington National Bank (48)
- 504 approvals recorded28
- 504 gross approval dollars$13.5 m
- Average 504 approval$482,464
- Median 504 approval$426,000
- Distinct CDCs active3
- 504 jobs per approval6.8
- 504 jobs per million dollars approved14.0
- Most active CDCMichigan Certified Development Corporation (26)
- 7(a) share of SBA approvals74.8 percent
- Combined SBA approval dollars$44.6 m
The average approval of $374,105 sits well above the median of $100,000, 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 14.5 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 recorded12
- Paid in full12
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full12
- Status: Exempt from disclosure57
- Status: Cancelled9
- Status: Committed, not yet disbursed5
Of the 12 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 lending13
- Saint Johns, approvals26
- Lansing, approvals19
- Dewitt, approvals15
- Fowler, approvals7
- East Lansing, approvals3
- EAGLE, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Saint Johns | 26 | $15,606,300 |
| Lansing | 19 | $5,970,000 |
| Dewitt | 15 | $6,110,000 |
| Fowler | 7 | $207,400 |
| East Lansing | 3 | $2,080,400 |
| EAGLE | 3 | $105,000 |
| Bath | 2 | $150,000 |
| St Johns, | 2 | $76,600 |
Saint Johns accounts for 26 approvals against 19 in Lansing. 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 area566 sq mi
- Rank by land area among Michigan counties44th of 83
- Width, east to west24 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land141
- Establishments per square mile2.48
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.
Clinton County
What hazards affect Clinton County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book25
- Of those, participating in the NFIP21
- NFIP participation rate84.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- 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.
- Population79,626
- Households31,639
- Average household size2.52
- Median household income$88,210
- Median age41.8
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Michigan?
79,626, in 31,639 households, ranking 25th of 83 Michigan counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County growing?
The population has grown 1.17 percent since the 2020 census base. In 2024 there were 703 births against 722 deaths, with net migration of 249. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$88,210. The median owner-occupied home is valued at $259,500, which is 2.9 times income, and median gross rent is $1,092 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clinton County?
1,406 establishments, employing 17,584 people with an annual payroll of $878.9 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 $53,866, or $1,036 a week, across 18,614 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?
83 7(a) approvals totalling $31.1 m since FY2020, across 22 lenders, with a median approval of $100,000, plus 28 504 approvals worth $13.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clinton County get paid back?
Of the 12 loans that have reached a final outcome, 12 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?
154 housing units were authorised by permit in 2024, with a declared construction value of $49.7 m. Multifamily was 10.4 percent of units. 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 30,630 households. Arriving households report an average income of $66,710 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.