HomePennsylvaniaClinton County
Clinton County, Pennsylvania: commercial real estate data.
Clinton County, Pennsylvania has a population of 37,798 across 888 square miles, up 1.1 percent since the 2020 census base. County output reached $1.96 bn in 2024, 801 establishments operate here, and the SBA record carries 32 7(a) approvals worth $7.2 m.
127 sourced county values · tier FULL · 12 sections
Clinton County
How many people live in Clinton County
- Population37,798
- Households15,424
- Average household size2.45
- Median household income$60,816
- Median age39.8
- Median gross rent$820 per month
- Median owner-occupied home value$175,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher21.5 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over25,078
- Population under 187,620
- Share under 1820.2 percent
- Population 65 and over7,565
- Share 65 and over20.0 percent
- Working age population, 18 to 6422,613
- Civilian labor force18,195
- Unemployment rate5.6 percent
- Labor force participation, adults 18 and over60.3 percent
- Rank by population among Pennsylvania counties56th of 67
- Rank by population among US county-equivalents1261st
Clinton County is the 56th largest of 67 Pennsylvania 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 20.2 percent against 20.0 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 base1.11 percent
- Census 2020 base population37,448
- Births, 2024410
- Deaths, 2024471
- Natural change, 2024-61
- Net domestic migration, 202442
- Net international migration, 202430
- Total net migration, 202472
- Cumulative net domestic migration, 2021 to 2024661
- Rank by growth among US county-equivalents1443rd
The county has grown 1.11 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 arriving696
- People arriving, from those returns1,153
- Adjusted gross income arriving$34.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$48,945
- Largest single originClinton County Non-migrants (14,306 households)
- Largest single destination (14,306 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 14,306 | 28,281 | $923.3 m |
| Lycoming County | 200 | 329 | $8.8 m |
| Other flows - Same State | 185 | 294 | $8.6 m |
| Other flows - Different State | 149 | 273 | $9.4 m |
| Centre County | 140 | 221 | $6.2 m |
| Other flows - South | 71 | 136 | $3.6 m |
| Other flows - Northeast | 30 | 55 | $2.2 m |
| Other flows - West | 25 | 43 | $2.4 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$1.96 bn
- County GDP, 2023$1.95 bn
- GDP change, 2023 to 20240.7 percent
- GDP change over five years25.5 percent
- Rank by GDP among Pennsylvania counties54th
- Rank by GDP among US county-equivalents1301st
- GDP per resident$51,937
Output grew 0.7 percent in the latest year and 25.5 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 average12,630
- Establishments reporting917
- Average annual pay$52,458
- Average weekly wage$1,009
- Sector 31-33, employment2,932
- Sector 31-33, average annual pay$72,021
- Sector 44-45, employment1,801
- Sector 44-45, average annual pay$31,060
- Sector 72, employment1,107
- Sector 72, average annual pay$19,224
- Sector 23, employment713
- Sector 23, average annual pay$59,884
- Sector 81, employment440
- Sector 48-49, employment409
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,932 | 59 | $72,021 |
| Sector 44-45 | 1,801 | 133 | $31,060 |
| Sector 72 | 1,107 | 80 | $19,224 |
| Sector 23 | 713 | 112 | $59,884 |
| Sector 81 | 440 | 76 | $27,046 |
| Sector 48-49 | 409 | 33 | $51,285 |
| Sector 42 | 277 | 19 | $62,346 |
| Sector 56 | 230 | 40 | $38,335 |
The largest sector is the biggest private employer group at 2,932 jobs, 23.2 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 industries801
- Employment at those establishments10,683
- Annual payroll$532.0 m
- Establishments per 1,000 residents21.2
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.
Clinton County
What is being built in Clinton County
- Housing units authorised by permit, 202436
- Declared construction value permitted$8.1 m
- Single family units authorised34
- Multifamily units authorised2
- Multifamily share of units5.6 percent
- Average declared value per unit$223,648
- Units authorised per 1,000 households2.3
Multifamily is 5.6 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 recorded32
- 7(a) gross approval dollars$7.2 m
- Average 7(a) approval$224,750
- Median 7(a) approval$128,000
- 10th percentile approval$20,000
- 90th percentile approval$500,000
- Largest single approval$2,114,600
- Jobs reported supported, 7(a)213
- Jobs per approval6.7
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.1 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter31
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFarm Supplies Merchant Wholesalers (5)
- Most active lenderManufacturers and Traders Trust Company (15)
- 504 approvals recorded2
- 504 gross approval dollars$2.1 m
- Average 504 approval$1,062,000
- Median 504 approval$1,737,000
- Distinct CDCs active2
- 504 jobs per approval17.5
- 504 jobs per million dollars approved16.5
- Most active CDCSouth Eastern Economic Development Company of Pennsylvania (1)
- 7(a) share of SBA approvals94.1 percent
- Combined SBA approval dollars$9.3 m
The average approval of $224,750 sits well above the median of $128,000, 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 3.1 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 recorded6
- Paid in full5
- Charged off1
- Status: Paid in full5
- Status: Exempt from disclosure23
- Status: Charged off1
- Status: Cancelled2
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 6 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
Which parts of Clinton County get the lending
- Places in the county with recorded lending5
- LOCK HAVEN, approvals15
- JERSEY SHORE, approvals7
- LOGANTON, approvals5
- BEECH CREEK, approvals3
- MILL HALL, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LOCK HAVEN | 15 | $1,861,900 |
| JERSEY SHORE | 7 | $4,207,100 |
| LOGANTON | 5 | $810,000 |
| BEECH CREEK | 3 | $248,000 |
| MILL HALL | 2 | $65,000 |
LOCK HAVEN accounts for 15 approvals against 7 in JERSEY SHORE. 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 area888 sq mi
- Rank by land area among Pennsylvania counties15th of 67
- Width, east to west49.4 mi
- Height, north to south35.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land43
- Establishments per square mile0.90
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 greater than 4 pCi/LZone 1
- Communities in the NFIP Community Status Book29
- Of those, participating in the NFIP29
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
The EPA places the county in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The best Community Rating System class in the county is 8, which carries a flood insurance premium discount for properties in the participating community.
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.
- Population37,798
- Households15,424
- Average household size2.45
- Median household income$60,816
- Median age39.8
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Pennsylvania?
37,798, in 15,424 households, ranking 56th of 67 Pennsylvania counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County growing?
The population has grown 1.11 percent since the 2020 census base. In 2024 there were 410 births against 471 deaths, with net migration of 72. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$60,816. The median owner-occupied home is valued at $175,900, which is 2.9 times income, and median gross rent is $820 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clinton County?
801 establishments, employing 10,683 people with an annual payroll of $532.0 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 $52,458, or $1,009 a week, across 12,630 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?
32 7(a) approvals totalling $7.2 m since FY2020, across 9 lenders, with a median approval of $128,000, plus 2 504 approvals worth $2.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Clinton County?
36 housing units were authorised by permit in 2024, with a declared construction value of $8.1 m. Multifamily was 5.6 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 14,306 households. Arriving households report an average income of $48,945 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.