HomePennsylvaniaClearfield County
Clearfield County, Pennsylvania: commercial real estate data.
Clearfield County, Pennsylvania has a population of 78,635 across 1,145 square miles, down 3.0 percent since the 2020 census base. County output reached $4.03 bn in 2024, 1,910 establishments operate here, and the SBA record carries 37 7(a) approvals worth $17.5 m.
126 sourced county values · tier FULL · 12 sections
Clearfield County
How many people live in Clearfield County
- Population78,635
- Households32,518
- Average household size2.42
- Median household income$62,152
- Median age45.4
- Median gross rent$791 per month
- Median owner-occupied home value$137,000
- Home value to household income2.2 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over58,829
- Population under 1814,337
- Share under 1818.2 percent
- Population 65 and over17,132
- Share 65 and over21.8 percent
- Working age population, 18 to 6447,166
- Civilian labor force36,426
- Unemployment rate5.9 percent
- Labor force participation, adults 18 and over56.7 percent
- Rank by population among Pennsylvania counties36th of 67
- Rank by population among US county-equivalents736th
Clearfield County is the 36th largest of 67 Pennsylvania counties by population. A median home costs 2.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.8 percent against 18.2 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clearfield County
Is Clearfield County growing
- Population change since the 2020 census base-3.01 percent
- Census 2020 base population80,558
- Births, 2024654
- Deaths, 20241,070
- Natural change, 2024-416
- Net domestic migration, 202496
- Net international migration, 202472
- Total net migration, 2024168
- Cumulative net domestic migration, 2021 to 2024-524
- Rank by growth among US county-equivalents2741st
The county has lost 3.01 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.
Clearfield County
Where people moving to Clearfield County come from
- Tax returns filed by households arriving1,263
- People arriving, from those returns2,138
- Adjusted gross income arriving$63.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,101
- Largest single originClearfield County Non-migrants (30,683 households)
- Largest single destination (30,683 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clearfield County Non-migrants | 30,683 | 59,070 | $1.96 bn |
| Other flows - Different State | 332 | 617 | $21.1 m |
| Other flows - Same State | 294 | 460 | $14.9 m |
| Jefferson County | 214 | 355 | $8.5 m |
| Centre County | 196 | 310 | $8.9 m |
| Other flows - South | 192 | 360 | $11.6 m |
| Blair County | 58 | 99 | $2.0 m |
| Elk County | 56 | 92 | $2.4 m |
The largest single source of arrivals is Clearfield 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.
Clearfield County
What the Clearfield County economy runs on
- County GDP, 2024$4.03 bn
- County GDP, 2023$3.87 bn
- GDP change, 2023 to 20244.3 percent
- GDP change over five years38.4 percent
- Rank by GDP among Pennsylvania counties37th
- Rank by GDP among US county-equivalents801st
- GDP per resident$51,289
Output grew 4.3 percent in the latest year and 38.4 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.
Clearfield County
Who employs people in Clearfield County
- Covered employment, annual average29,228
- Establishments reporting2,062
- Average annual pay$51,575
- Average weekly wage$992
- Sector 62, employment6,011
- Sector 62, average annual pay$61,430
- Sector 44-45, employment4,354
- Sector 44-45, average annual pay$32,233
- Sector 31-33, employment2,701
- Sector 31-33, average annual pay$57,400
- Sector 48-49, employment2,590
- Sector 48-49, average annual pay$57,512
- Sector 72, employment2,170
- Sector 81, employment1,408
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 6,011 | 320 | $61,430 |
| Sector 44-45 | 4,354 | 307 | $32,233 |
| Sector 31-33 | 2,701 | 114 | $57,400 |
| Sector 48-49 | 2,590 | 148 | $57,512 |
| Sector 72 | 2,170 | 164 | $18,493 |
| Sector 81 | 1,408 | 213 | $33,602 |
| Sector 56 | 1,037 | 66 | $55,038 |
| Sector 23 | 730 | 135 | $62,041 |
The largest sector is the biggest private employer group at 6,011 jobs, 20.6 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.
Clearfield County
What businesses operate in Clearfield County
- Establishments, all industries1,910
- Employment at those establishments25,320
- Annual payroll$1.18 bn
- 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.
Clearfield County
What is being built in Clearfield County
- Housing units authorised by permit, 202488
- Declared construction value permitted$22.9 m
- Single family units authorised74
- Multifamily units authorised14
- Multifamily share of units15.9 percent
- Average declared value per unit$260,766
- Units authorised per 1,000 households2.7
Multifamily is 15.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Clearfield County
How much SBA lending happens in Clearfield County
- 7(a) approvals recorded37
- 7(a) gross approval dollars$17.5 m
- Average 7(a) approval$473,259
- Median 7(a) approval$160,000
- 10th percentile approval$20,000
- 90th percentile approval$1,400,000
- Largest single approval$3,275,000
- Jobs reported supported, 7(a)407
- Jobs per approval11.0
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals23
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.2 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter29
- Franchise loans1
- Franchise share of approvals2.7 percent
- Leading industry by approval countGeneral Freight Trucking, Local (4)
- Most active lenderNorthwest Bank (8)
- 504 approvals recorded7
- 504 gross approval dollars$8.9 m
- Average 504 approval$1,271,429
- Median 504 approval$319,000
- Distinct CDCs active4
- 504 jobs per approval21.7
- 504 jobs per million dollars approved17.1
- Most active CDCSEDA-COG Local Development Corporation (3)
- 7(a) share of SBA approvals84.1 percent
- Combined SBA approval dollars$26.4 m
The average approval of $473,259 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 16.2 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.
Clearfield County
Do SBA loans in Clearfield County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Exempt from disclosure23
- Status: Paid in full7
- Status: Cancelled5
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Clearfield County
Which parts of Clearfield County get the lending
- Places in the county with recorded lending11
- CLEARFIELD, approvals12
- DU BOIS, approvals10
- MORRISDALE, approvals3
- FRENCHVILLE, approvals2
- Philipsburg, approvals2
- CURWENSVILLE, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLEARFIELD | 12 | $3,975,100 |
| DU BOIS | 10 | $5,676,500 |
| MORRISDALE | 3 | $850,000 |
| FRENCHVILLE | 2 | $70,000 |
| Philipsburg | 2 | $1,254,000 |
| CURWENSVILLE | 2 | $235,000 |
| OSCEOLA MILLS | 2 | $55,000 |
| Drifting | 1 | $3,275,000 |
CLEARFIELD accounts for 12 approvals against 10 in DU BOIS. 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.
Clearfield County
How big is Clearfield County
- Land area1,145 sq mi
- Rank by land area among Pennsylvania counties3rd of 67
- Width, east to west40.1 mi
- Height, north to south36.6 mi
- Geographies sharing a boundary8
- Residents per square mile of land69
- Establishments per square mile1.67
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.
Clearfield County
What hazards affect Clearfield County
- EPA radon zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book49
- Of those, participating in the NFIP48
- NFIP participation rate98.0 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 Clearfield 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 Clearfield County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population78,635
- Households32,518
- Average household size2.42
- Median household income$62,152
- Median age45.4
Common questions
Clearfield County questions, answered from the record.
How many people live in Clearfield County, Pennsylvania?
78,635, in 32,518 households, ranking 36th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clearfield County growing?
The population has fallen 3.01 percent since the 2020 census base. In 2024 there were 654 births against 1,070 deaths, with net migration of 168. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clearfield County?
$62,152. The median owner-occupied home is valued at $137,000, which is 2.2 times income, and median gross rent is $791 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clearfield County?
1,910 establishments, employing 25,320 people with an annual payroll of $1.18 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 Clearfield County?
Average annual pay is $51,575, or $992 a week, across 29,228 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clearfield County?
37 7(a) approvals totalling $17.5 m since FY2020, across 18 lenders, with a median approval of $160,000, plus 7 504 approvals worth $8.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Clearfield County?
88 housing units were authorised by permit in 2024, with a declared construction value of $22.9 m. Multifamily was 15.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clearfield 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 Clearfield County come from?
The largest single origin is Clearfield County Non-migrants, with 30,683 households. Arriving households report an average income of $50,101 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 Clearfield 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 Clearfield 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.