Clinton County, Illinois: commercial real estate data.
Clinton County, Illinois had an estimated 37,087 residents on July 1, 2024, up 0.5 percent since the 2020 census base of 36,903, across 474 square miles. County output reached $1.58 bn in 2024, 913 establishments operate here, and the SBA record carries 19 7(a) approvals worth $8.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clinton County
How many people live in Clinton County
- Population, American Community Survey 2020-202436,954
- Households14,570
- Average household size2.54
- Median household income$86,588
- Median age41.5
- Median gross rent$912 per month
- Median owner-occupied home value$192,400
- Home value to household income2.2 times
- Annual rent as a share of median income12.6 percent
- Adults 25 and over with a bachelor degree or higher25.9 percent
- Adults 25 and over with a graduate degree8.3 percent
- Adults 25 and over26,425
- Population under 187,980
- Share under 1821.6 percent
- Population 65 and over6,955
- Share 65 and over18.8 percent
- Working age population, 18 to 6422,019
- Civilian labor force18,814
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over64.9 percent
- Rank by population among Illinois counties37th of 102
- Rank by population among US county-equivalents, Puerto Rico included1286th of 3,222
Clinton County is the 37th largest of 102 Illinois counties by population. A median home costs 2.2 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.6 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's population growing?
- Population, July 1, 202437,087
- Census 2020 base population36,903
- Population change since the 2020 census base0.50 percent
- Population change, 2023 to 2024201
- Births, 2024370
- Deaths, 2024352
- Natural change, 202418
- Net domestic migration, 202481
- Net international migration, 2024104
- Total net migration, 2024185
- Cumulative net domestic migration, 2021 to 2024-157
- Rank by growth among US county-equivalents1655th of 3,144
The county has grown 0.50 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Clinton County
Where are people moving to Clinton County from?
- Tax returns filed by households arriving765
- People arriving, from those returns1,374
- Tax returns filed by households leaving789
- Net household movement-24
- Adjusted gross income arriving$41.4 m
- Net adjusted gross income movement$-1.6 m
- Average income of an arriving household$54,141
- Average income of a leaving household$54,545
- Largest single originSt. Clair County (152 households)
- Largest single destinationMarion County (143 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Clair County | 152 | 291 | $9.6 m |
| Marion County | 143 | 264 | $5.1 m |
| Madison County | 93 | 156 | $5.5 m |
| Washington County | 45 | 74 | $1.9 m |
| Bond County | 27 | 51 | $1.0 m |
| St. Louis County | 23 | 37 | $1.3 m |
Households arriving report $404 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is St. Clair 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.
Clinton County
What is the Clinton County economy?
- County GDP, 2024$1.58 bn
- County GDP, 2023$1.46 bn
- GDP change, 2023 to 20248.3 percent
- GDP change over five years38.4 percent
- Rank by GDP among the Illinois areas BEA publishes47th of 102
- Rank by GDP among the US county areas BEA publishes1471st of 3,127
- GDP per resident$42,770
Output grew 8.3 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.
Clinton County
Employment by industry in Clinton County
- Covered employment, annual average12,592
- Establishments reporting940
- Average annual pay$50,189
- Average weekly wage$965
- Retail trade, employment1,970
- Retail trade, average annual pay$34,942
- Health care and social assistance, employment1,560
- Health care and social assistance, average annual pay$44,693
- Construction, employment1,067
- Construction, average annual pay$69,825
- Accommodation and food services, employment1,029
- Accommodation and food services, average annual pay$18,820
- Manufacturing, employment883
- Wholesale trade, employment525
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,970 | 123 | $34,942 |
| Health care and social assistance | 1,560 | 93 | $44,693 |
| Construction | 1,067 | 137 | $69,825 |
| Accommodation and food services | 1,029 | 79 | $18,820 |
| Manufacturing | 883 | 41 | $53,344 |
| Wholesale trade | 525 | 51 | $71,622 |
| Other services, except public administration | 371 | 92 | $30,963 |
| Transportation and warehousing | 361 | 42 | $54,463 |
Retail trade is the largest private sector at 1,970 jobs, 15.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clinton County
How many businesses are in Clinton County?
- Establishments, all industries913
- Employment at those establishments9,075
- Annual payroll$391.8 m
- Establishments per 1,000 residents24.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. 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.
Clinton County
Building permits in Clinton County
- Housing units authorized by permit, 202467
- Declared construction value permitted$23.2 m
- Single family units authorized65
- Multifamily units authorized2
- Multifamily share of units3.0 percent
- Average declared value per unit$346,515
- Units authorized per 1,000 households4.6
Single-family homes are 97.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Clinton County
SBA loans in Clinton County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$8.1 m
- Average 7(a) approval$425,684
- Median 7(a) approval$144,000
- Largest single approval$3,070,000
- Jobs reported supported, 7(a)167
- Jobs per approval8.8
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer5.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter17
- Franchise loans1
- Franchise share of approvals5.3 percent
- Most active lenderU.S. Bank, National Association (5)
- 504 approvals recorded10
- 504 gross approval dollars$16.6 m
- Average 504 approval$1,656,700
- Median 504 approval$1,012,500
- Distinct CDCs active2
- 504 jobs per approval23.3
- 504 jobs per million dollars approved14.1
- Most active CDCSmall Business Growth Corporation (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.7 m
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
SBA loan default and charge-off rates in Clinton County
Do SBA loans in Clinton County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Cancelled2
- Status: Exempt from disclosure11
- Status: Paid in full6
Only 6 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.
Clinton County
SBA lending by place in Clinton County
- Borrower cities with recorded lending7
- Carlyle, approvals6
- Beckemeyer, approvals4
- Albers, approvals3
- Breese, approvals2
- Aviston, approvals2
- New Baden, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Carlyle | 6 | $1,376,800 |
| Beckemeyer | 4 | $1,292,500 |
| Albers | 3 | $523,600 |
| Breese | 2 | $4,525,000 |
| Aviston | 2 | $275,100 |
| New Baden | 1 | $50,000 |
| Germantown | 1 | $45,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clinton County
How large is Clinton County?
- Land area474 sq mi
- Rank by land area among Illinois counties58th of 102
- Width, east to west30.7 mi
- Height, north to south22.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land78
- Establishments per square mile1.93
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
Flood risk in Clinton County
- Participation of the county's own NFIP community Clinton County, unincorporated areasParticipating, community 170044
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP11
- NFIP participation rate84.6 percent
- Communities carrying a CRS class0
- Radon levels in Clinton County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Clinton County (community 170044), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Clinton County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 84.6 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 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.
- Population, American Community Survey 2020-202436,954
- Households14,570
- Average household size2.54
- Median household income$86,588
- Median age41.5
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Illinois?
The Census Bureau estimates 37,087 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 36,954, in 14,570 households, ranking 37th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County's population growing?
The population has grown 0.50 percent since the 2020 census base of 36,903, to 37,087 on July 1, 2024. In 2024 there were 370 births against 352 deaths, with net migration of 185. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$86,588. The median owner-occupied home is valued at $192,400, which is 2.2 times income, and median gross rent is $912 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clinton County?
913 establishments, employing 9,075 people with an annual payroll of $391.8 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 Clinton County?
Retail trade is the largest private sector at 1,970 jobs, 15.6 percent of covered employment. Covered employment averages 12,592 jobs at an average annual pay of $50,189, or $965 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clinton County?
19 7(a) approvals totaling $8.1 m since FY2020, across 9 lenders, with a median approval of $144,000, plus 10 504 approvals worth $16.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
67 housing units were authorized by permit in 2024, with a declared construction value of $23.2 m. Multifamily was 3.0 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 St. Clair County, with 152 households. Arriving households report an average income of $54,141 against $54,545 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?
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.
Clinton County
Cities and places in Clinton.
16 Census places lie wholly or partly in Clinton County. All 16 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Centralia | city | 11,856 | None recorded | 17.2 percent here, 79.2 percent Marion County |
| Breese | city | 4,301 | 2 | Wholly in this county |
| New Baden | village | 3,463 | 1 | 57.0 percent here, 43.0 percent St. Clair County |
| Carlyle | city | 2,980 | 6 | Wholly in this county |
| Trenton | city | 2,664 | None recorded | Wholly in this county |
| Aviston | village | 2,387 | 2 | Wholly in this county |
| Germantown | village | 1,350 | 1 | Wholly in this county |
| Albers | village | 1,280 | 3 | Wholly in this county |
| Beckemeyer | village | 993 | 4 | Wholly in this county |
| Wamac | city | 804 | None recorded | 10.2 percent here, 53.6 percent Washington County, 36.2 percent Marion County |
| Bartelso | village | 782 | None recorded | Wholly in this county |
| Keyesport | village | 635 | None recorded | 37.8 percent here, 62.2 percent Bond County |
| Hoffman | village | 607 | None recorded | Wholly in this county |
| St. Rose | village | 593 | None recorded | Wholly in this county |
| Damiansville | village | 570 | None recorded | Wholly in this county |
| Huey | village | 109 | None recorded | Wholly in this county |
Nearby