Clark County, Arkansas: commercial real estate data.
Clark County, Arkansas had an estimated 20,920 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 21,462, across 866 square miles. County output reached $1.07 bn in 2024, 540 establishments operate here, and the SBA record carries 20 7(a) approvals worth $7.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clark County
How many people live in Clark County
- Population, American Community Survey 2020-202421,125
- Households8,121
- Average household size2.60
- Median household income$52,034
- Median age32.0
- Median gross rent$793 per month
- Median owner-occupied home value$155,000
- Home value to household income3.0 times
- Annual rent as a share of median income18.3 percent
- Adults 25 and over with a bachelor degree or higher26.2 percent
- Adults 25 and over with a graduate degree9.2 percent
- Adults 25 and over12,380
- Population under 184,240
- Share under 1820.1 percent
- Population 65 and over3,470
- Share 65 and over16.4 percent
- Working age population, 18 to 6413,415
- Civilian labor force9,900
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over58.6 percent
- Rank by population among Arkansas counties31st of 75
- Rank by population among US county-equivalents, Puerto Rico included1812th of 3,222
Clark County is the 31st largest of 75 Arkansas counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.1 percent against 16.4 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's population growing?
- Population, July 1, 202420,920
- Census 2020 base population21,462
- Population change since the 2020 census base-2.53 percent
- Population change, 2023 to 20242
- Births, 2024240
- Deaths, 2024303
- Natural change, 2024-63
- Net domestic migration, 202472
- Net international migration, 2024-8
- Total net migration, 202464
- Cumulative net domestic migration, 2021 to 2024-263
- Rank by growth among US county-equivalents2642nd of 3,144
The county has lost 2.53 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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 are people moving to Clark County from?
- Tax returns filed by households arriving540
- People arriving, from those returns1,034
- Tax returns filed by households leaving554
- Net household movement-14
- Adjusted gross income arriving$24.4 m
- Net adjusted gross income movement$1.0 m
- Average income of an arriving household$45,252
- Average income of a leaving household$42,258
- Largest single originGarland County (65 households)
- Largest single destinationHot Spring County (64 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garland County | 65 | 110 | $2.7 m |
| Hot Spring County | 48 | 94 | $1.6 m |
| Pike County | 37 | 72 | $2.1 m |
| Saline County | 31 | 54 | $1.8 m |
| Pulaski County | 27 | 37 | $969,000 |
Households arriving report $2,994 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Garland County, 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 is the Clark County economy?
- County GDP, 2024$1.07 bn
- County GDP, 2023$1.02 bn
- GDP change, 2023 to 20245.5 percent
- GDP change over five years26.5 percent
- Rank by GDP among the Arkansas areas BEA publishes28th of 75
- Rank by GDP among the US county areas BEA publishes1792nd of 3,127
- GDP per resident$50,713
Output grew 5.5 percent in the latest year and 26.5 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.
Clark County
Employment by industry in Clark County
- Covered employment, annual average8,618
- Establishments reporting655
- Average annual pay$45,514
- Average weekly wage$875
- Manufacturing, employment1,351
- Manufacturing, average annual pay$64,678
- Retail trade, employment1,120
- Retail trade, average annual pay$33,864
- Accommodation and food services, employment1,018
- Accommodation and food services, average annual pay$18,432
- Administrative and support and waste management services, employment423
- Administrative and support and waste management services, average annual pay$55,393
- Professional, scientific and technical services, employment208
- Finance and insurance, employment195
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,351 | 33 | $64,678 |
| Retail trade | 1,120 | 84 | $33,864 |
| Accommodation and food services | 1,018 | 54 | $18,432 |
| Administrative and support and waste management services | 423 | 16 | $55,393 |
| Professional, scientific and technical services | 208 | 36 | $63,688 |
| Finance and insurance | 195 | 34 | $60,493 |
| Transportation and warehousing | 132 | 28 | $43,119 |
| Real estate and rental and leasing | 101 | 40 | $19,054 |
Manufacturing is the largest private sector at 1,351 jobs, 15.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clark County
How many businesses are in Clark County?
- Establishments, all industries540
- Employment at those establishments6,973
- Annual payroll$317.2 m
- Establishments per 1,000 residents25.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Clark County
Building permits in Clark County
- Housing units authorized by permit, 202412
- Declared construction value permitted$2.5 m
- Single family units authorized12
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$209,871
- Units authorized per 1,000 households1.5
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Clark County
SBA loans in Clark County (7(a) and 504)
- 7(a) approvals recorded20
- 7(a) gross approval dollars$7.2 m
- Average 7(a) approval$358,600
- Median 7(a) approval$125,000
- 10th percentile approval$21,750
- 90th percentile approval$982,000
- Largest single approval$2,100,000
- Jobs reported supported, 7(a)145
- Jobs per approval7.3
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals12
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter14
- Franchise loans3
- Franchise share of approvals15.0 percent
- Leading industry by approval countElectrical Contractors and Other Wiring Installation Contractors (5)
- Most active lenderU.S. Bank, National Association (6)
- 504 approvals recorded3
- 504 gross approval dollars$2.5 m
- Average 504 approval$817,000
- Median 504 approval$289,000
- Distinct CDCs active2
- 504 jobs per approval2.0
- 504 jobs per million dollars approved2.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.6 m
The average approval of $358,600 sits well above the median of $125,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.0 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.
Clark County
SBA loan default and charge-off rates in Clark County
Do SBA loans in Clark County get paid back?
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Exempt from disclosure9
- Status: Cancelled6
Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clark County
SBA lending by place in Clark County
- Borrower cities with recorded lending4
- Arkadelphia, approvals11
- Okolona, approvals4
- Gurdon, approvals3
- Caddo Valley, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Arkadelphia | 11 | $3,134,000 |
| Okolona | 4 | $87,500 |
| Gurdon | 3 | $1,167,500 |
| Caddo Valley | 2 | $2,783,000 |
Arkadelphia accounts for 11 approvals against 4 in Okolona. 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 large is Clark County?
- Land area866 sq mi
- Rank by land area among Arkansas counties10th of 75
- Width, east to west33.9 mi
- Height, north to south38.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land24
- Establishments per square mile0.62
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
Flood risk in Clark County
- Participation of the county's own NFIP community Clark County, unincorporated areasParticipating, community 050422
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 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
- Radon levels in Clark County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Clark County (community 050422), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Clark County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 83.3 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-202421,125
- Households8,121
- Average household size2.60
- Median household income$52,034
- Median age32.0
Common questions
Clark County questions, answered from the record.
How many people live in Clark County, Arkansas?
The Census Bureau estimates 20,920 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 21,125, in 8,121 households, ranking 31st of 75 Arkansas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clark County's population growing?
The population has fallen 2.53 percent since the 2020 census base of 21,462, to 20,920 on July 1, 2024. In 2024 there were 240 births against 303 deaths, with net migration of 64. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clark County?
$52,034. The median owner-occupied home is valued at $155,000, which is 3.0 times income, and median gross rent is $793 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clark County?
540 establishments, employing 6,973 people with an annual payroll of $317.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Clark County?
Manufacturing is the largest private sector at 1,351 jobs, 15.7 percent of covered employment. Covered employment averages 8,618 jobs at an average annual pay of $45,514, or $875 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clark County?
20 7(a) approvals totaling $7.2 m since FY2020, across 8 lenders, with a median approval of $125,000, plus 3 504 approvals worth $2.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clark County?
12 housing units were authorized by permit in 2024, with a declared construction value of $2.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clark County?
Zone 3, a predicted average indoor radon screening level less than 2 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 Garland County, with 65 households. Arriving households report an average income of $45,252 against $42,258 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Clark County
Cities and places in Clark.
9 Census places lie wholly or partly in Clark County. 7 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Arkadelphia | city | 10,099 | 11 | Wholly in this county |
| Gurdon | city | 1,625 | 3 | Wholly in this county |
| Caddo Valley | town | 775 | 2 | Wholly in this county |
| Amity | city | 740 | None recorded | Wholly in this county |
| Okolona | town | 287 | 4 | Wholly in this county |
| Gum Springs | town | 55 | None recorded | Wholly in this county |
| Whelen Springs | town | 52 | None recorded | Wholly in this county |
| Alpine | CDP | 0 | None recorded | Wholly in this county |
| Beirne | CDP | 0 | None recorded | Wholly in this county |
Nearby