Clark County, Ohio: commercial real estate data.
Clark County, Ohio has a population of 135,158 across 397 square miles, down 0.7 percent since the 2020 census base. County output reached $6.09 bn in 2024, 2,196 establishments operate here, and the SBA record carries 111 7(a) approvals worth $55.4 m.
128 sourced county values · tier FULL · 12 sections
Clark County
How many people live in Clark County
- Population135,158
- Households55,975
- Average household size2.41
- Median household income$63,132
- Median age41.2
- Median gross rent$872 per month
- Median owner-occupied home value$169,900
- Home value to household income2.7 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over93,713
- Population under 1830,519
- Share under 1822.6 percent
- Population 65 and over27,405
- Share 65 and over20.3 percent
- Working age population, 18 to 6477,234
- Civilian labor force63,316
- Unemployment rate6.7 percent
- Labor force participation, adults 18 and over60.5 percent
- Rank by population among Ohio counties21st of 88
- Rank by population among US county-equivalents488th
Clark County is the 21st largest of 88 Ohio 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 22.6 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.
Clark County
Is Clark County growing
- Population change since the 2020 census base-0.73 percent
- Census 2020 base population135,974
- Births, 20241,524
- Deaths, 20241,842
- Natural change, 2024-318
- Net domestic migration, 2024154
- Net international migration, 2024420
- Total net migration, 2024574
- Cumulative net domestic migration, 2021 to 2024175
- Rank by growth among US county-equivalents2101st
The county has lost 0.73 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.
Clark County
Where people moving to Clark County come from
- Tax returns filed by households arriving2,847
- People arriving, from those returns4,989
- Adjusted gross income arriving$139.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,104
- Largest single originClark County Non-migrants (51,617 households)
- Largest single destination (51,617 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clark County Non-migrants | 51,617 | 100,150 | $3.23 bn |
| Other flows - Different State | 772 | 1,378 | $40.9 m |
| Montgomery County | 477 | 826 | $22.1 m |
| Other flows - South | 389 | 718 | $18.3 m |
| Franklin County | 346 | 627 | $17.7 m |
| Greene County | 336 | 585 | $17.2 m |
| Champaign County | 254 | 474 | $10.1 m |
| Other flows - Same State | 249 | 427 | $11.0 m |
The largest single source of arrivals is Clark 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.
Clark County
What the Clark County economy runs on
- County GDP, 2024$6.09 bn
- County GDP, 2023$5.93 bn
- GDP change, 2023 to 20242.7 percent
- GDP change over five years27.4 percent
- Rank by GDP among Ohio counties28th
- Rank by GDP among US county-equivalents643rd
- GDP per resident$45,065
Output grew 2.7 percent in the latest year and 27.4 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.
Clark County
Who employs people in Clark County
- Covered employment, annual average46,967
- Establishments reporting2,614
- Average annual pay$52,055
- Average weekly wage$1,001
- Sector 62, employment6,776
- Sector 62, average annual pay$56,859
- Sector 31-33, employment6,769
- Sector 31-33, average annual pay$65,219
- Sector 44-45, employment4,684
- Sector 44-45, average annual pay$33,806
- Sector 72, employment4,629
- Sector 72, average annual pay$20,213
- Sector 56, employment3,858
- Sector 48-49, employment2,931
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 6,776 | 319 | $56,859 |
| Sector 31-33 | 6,769 | 148 | $65,219 |
| Sector 44-45 | 4,684 | 364 | $33,806 |
| Sector 72 | 4,629 | 248 | $20,213 |
| Sector 56 | 3,858 | 148 | $42,079 |
| Sector 48-49 | 2,931 | 106 | $60,962 |
| Sector 52 | 1,858 | 112 | $63,500 |
| Sector 81 | 1,578 | 200 | $47,486 |
The largest sector is the biggest private employer group at 6,776 jobs, 14.4 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.
Clark County
What businesses operate in Clark County
- Establishments, all industries2,196
- Employment at those establishments42,831
- Annual payroll$2.01 bn
- Establishments per 1,000 residents16.2
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.
Clark County
What is being built in Clark County
- Housing units authorised by permit, 2024232
- Declared construction value permitted$56.7 m
- Single family units authorised102
- Multifamily units authorised130
- Multifamily share of units56.0 percent
- Average declared value per unit$244,251
- Units authorised per 1,000 households4.1
Multifamily is 56.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Clark County
How much SBA lending happens in Clark County
- 7(a) approvals recorded111
- 7(a) gross approval dollars$55.4 m
- Average 7(a) approval$498,686
- Median 7(a) approval$142,500
- 10th percentile approval$25,000
- 90th percentile approval$1,044,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,480
- Jobs per approval13.3
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals61
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.5 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter94
- Franchise loans6
- Franchise share of approvals5.4 percent
- Leading industry by approval countResidential Remodelers (7)
- Most active lenderThe Huntington National Bank (52)
- 504 approvals recorded24
- 504 gross approval dollars$14.7 m
- Average 504 approval$614,167
- Median 504 approval$522,000
- Distinct CDCs active5
- 504 jobs per approval6.0
- 504 jobs per million dollars approved9.7
- Most active CDCCommunity Capital Development Corporation (9)
- 7(a) share of SBA approvals82.2 percent
- Combined SBA approval dollars$70.1 m
The average approval of $498,686 sits well above the median of $142,500, 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 13.5 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.
Clark County
Do SBA loans in Clark County get paid back
- Loans with a final outcome recorded31
- Paid in full28
- Charged off3
- Charge off rate on resolved loans9.7 percent
- Status: Paid in full28
- Status: Exempt from disclosure62
- Status: Cancelled10
- Status: Charged off3
- Status: Committed, not yet disbursed8
Of the 31 loans that have reached a final outcome, 9.7 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.
Clark County
Which parts of Clark County get the lending
- Places in the county with recorded lending7
- Springfield, approvals81
- New Carlisle, approvals19
- South Charleston, approvals4
- ENON, approvals3
- SOUTH VIENNA, approvals2
- MECHANICSBURG, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Springfield | 81 | $47,297,900 |
| New Carlisle | 19 | $3,680,000 |
| South Charleston | 4 | $742,000 |
| ENON | 3 | $1,665,000 |
| SOUTH VIENNA | 2 | $515,000 |
| MECHANICSBURG | 1 | $150,000 |
| FAIRBORN | 1 | $1,304,300 |
Springfield accounts for 81 approvals against 19 in New Carlisle. 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.
Clark County
How big is Clark County
- Land area397 sq mi
- Rank by land area among Ohio counties83rd of 88
- Width, east to west28.5 mi
- Height, north to south18.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land340
- Establishments per square mile5.53
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.
Clark County
What hazards affect Clark County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book9
- Of those, participating in the NFIP7
- NFIP participation rate77.8 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 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 Clark 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 Clark County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population135,158
- Households55,975
- Average household size2.41
- Median household income$63,132
- Median age41.2
Common questions
Clark County questions, answered from the record.
How many people live in Clark County, Ohio?
135,158, in 55,975 households, ranking 21st of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clark County growing?
The population has fallen 0.73 percent since the 2020 census base. In 2024 there were 1,524 births against 1,842 deaths, with net migration of 574. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clark County?
$63,132. The median owner-occupied home is valued at $169,900, which is 2.7 times income, and median gross rent is $872 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clark County?
2,196 establishments, employing 42,831 people with an annual payroll of $2.01 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Clark County?
Average annual pay is $52,055, or $1,001 a week, across 46,967 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clark County?
111 7(a) approvals totalling $55.4 m since FY2020, across 23 lenders, with a median approval of $142,500, plus 24 504 approvals worth $14.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clark County get paid back?
Of the 31 loans that have reached a final outcome, 28 were paid in full and 3 charged off, a charge off rate of 9.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Clark County?
232 housing units were authorised by permit in 2024, with a declared construction value of $56.7 m. Multifamily was 56.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clark 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 Clark County come from?
The largest single origin is Clark County Non-migrants, with 51,617 households. Arriving households report an average income of $49,104 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 Clark 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 Clark 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.