Clinton County, Illinois: commercial real estate data.
Clinton County, Illinois has a population of 36,954 across 474 square miles, up 0.5 percent since the 2020 census base. 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.
125 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Clinton County
How many people live in Clinton County
- Population36,954
- 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-equivalents1286th
Clinton County is the 37th largest of 102 Illinois counties by population. A median home costs 2.2 times median household income, which is an affordable ownership market 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 change since the 2020 census base0.50 percent
- Census 2020 base population36,903
- 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
The county has grown 0.50 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
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
- Adjusted gross income arriving$41.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,141
- Largest single originClinton County Non-migrants (14,280 households)
- Largest single destination (14,280 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 14,280 | 29,818 | $1.29 bn |
| Other flows - Different State | 176 | 329 | $12.0 m |
| St. Clair County | 152 | 291 | $9.6 m |
| Marion County | 143 | 264 | $5.1 m |
| Other flows - Same State | 106 | 172 | $5.1 m |
| Madison County | 93 | 156 | $5.5 m |
| Other flows - South | 81 | 149 | $6.2 m |
| Other flows - Midwest | 65 | 108 | $2.8 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 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 Illinois counties47th
- Rank by GDP among US county-equivalents1471st
- 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
Largest employers in Clinton County
- Covered employment, annual average12,592
- Establishments reporting940
- Average annual pay$50,189
- Average weekly wage$965
- Sector 44-45, employment1,970
- Sector 44-45, average annual pay$34,942
- Sector 62, employment1,560
- Sector 62, average annual pay$44,693
- Sector 23, employment1,067
- Sector 23, average annual pay$69,825
- Sector 72, employment1,029
- Sector 72, average annual pay$18,820
- Sector 31-33, employment883
- Sector 42, employment525
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,970 | 123 | $34,942 |
| Sector 62 | 1,560 | 93 | $44,693 |
| Sector 23 | 1,067 | 137 | $69,825 |
| Sector 72 | 1,029 | 79 | $18,820 |
| Sector 31-33 | 883 | 41 | $53,344 |
| Sector 42 | 525 | 51 | $71,622 |
| Sector 81 | 371 | 92 | $30,963 |
| Sector 48-49 | 361 | 42 | $54,463 |
The largest sector is the biggest private employer group at 1,970 jobs, 15.6 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.
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.
US Census Bureau, County Business Patterns, 2023.
Clinton County
Building permits in Clinton County
- Housing units authorised by permit, 202467
- Declared construction value permitted$23.2 m
- Single family units authorised65
- Multifamily units authorised2
- Multifamily share of units3.0 percent
- Average declared value per unit$346,515
- Units authorised per 1,000 households4.6
Multifamily is 3.0 percent of units authorised, so the pipeline is predominantly for sale product.
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
- 10th percentile approval$25,000
- 90th percentile approval$1,455,000
- 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
- Leading industry by approval countFull-Service Restaurants (2)
- 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$1,022,000
- Distinct CDCs active2
- 504 jobs per approval23.3
- 504 jobs per million dollars approved14.1
- Most active CDCSmall Business Growth Corporation (9)
- 7(a) share of SBA approvals65.5 percent
- Combined SBA approval dollars$24.7 m
The average approval of $425,684 sits well above the median of $144,000, 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 5.3 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
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
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.
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
- Places in the county with recorded lending7
- CARLYLE, approvals6
- Beckemeyer, approvals4
- ALBERS, approvals3
- Aviston, approvals2
- Breese, approvals2
- GERMANTOWN, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CARLYLE | 6 | $1,376,800 |
| Beckemeyer | 4 | $1,292,500 |
| ALBERS | 3 | $523,600 |
| Aviston | 2 | $275,100 |
| Breese | 2 | $4,525,000 |
| GERMANTOWN | 1 | $45,000 |
| NEW BADEN | 1 | $50,000 |
CARLYLE accounts for 6 approvals against 4 in Beckemeyer. 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 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
- Communities 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 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 FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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.
- Population36,954
- 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?
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. 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 the average wage in Clinton County?
Average annual pay is $50,189, or $965 a week, across 12,592 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?
19 7(a) approvals totalling $8.1 m since FY2020, across 9 lenders, with a median approval of $144,000, plus 10 504 approvals worth $16.6 m. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
67 housing units were authorised 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 Clinton County Non-migrants, with 14,280 households. Arriving households report an average income of $54,141 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.
Clinton County
Cities and places in Clinton.
15 Census places lie wholly or partly in Clinton County. 15 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 approvals | Lies in |
|---|---|---|---|---|
| Centralia | city | 11,856 | 5 | 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 |
| 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 |