Clark County, Indiana: commercial real estate data.
Clark County, Indiana had an estimated 127,479 residents on July 1, 2024, up 5.3 percent since the 2020 census base of 121,106, across 373 square miles. County output reached $8.56 bn in 2024, 2,727 establishments operate here, and the SBA record carries 118 7(a) approvals worth $70.4 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 2020-2024124,354
- Households51,242
- Average household size2.43
- Median household income$74,214
- Median age39.9
- Median gross rent$1,129 per month
- Median owner-occupied home value$222,900
- 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 higher27.7 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over87,525
- Population under 1827,419
- Share under 1822.0 percent
- Population 65 and over20,797
- Share 65 and over16.7 percent
- Working age population, 18 to 6476,138
- Civilian labor force66,153
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over68.2 percent
- Rank by population among Indiana counties14th of 92
- Rank by population among US county-equivalents, Puerto Rico included526th of 3,222
Clark County is the 14th largest of 92 Indiana 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 22.0 percent against 16.7 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, 2024127,479
- Census 2020 base population121,106
- Population change since the 2020 census base5.26 percent
- Population change, 2023 to 20241,793
- Births, 20241,330
- Deaths, 20241,412
- Natural change, 2024-82
- Net domestic migration, 20241,667
- Net international migration, 2024201
- Total net migration, 20241,868
- Cumulative net domestic migration, 2021 to 20245,756
- Rank by growth among US county-equivalents496th of 3,144
The county has grown 5.26 percent 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 arriving4,224
- People arriving, from those returns7,239
- Tax returns filed by households leaving3,526
- Net household movement698
- Adjusted gross income arriving$234.0 m
- Net adjusted gross income movement$43.4 m
- Average income of an arriving household$55,398
- Average income of a leaving household$54,069
- Largest single originFloyd County (1,106 households)
- Largest single destinationFloyd County (1,009 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Floyd County | 1,106 | 1,897 | $62.4 m |
| Jefferson County | 1,072 | 1,758 | $62.0 m |
| Harrison County | 168 | 289 | $7.7 m |
| Scott County | 144 | 280 | $6.2 m |
| Washington County | 115 | 219 | $4.8 m |
| Bullitt County | 65 | 118 | $4.3 m |
| Jefferson County | 58 | 106 | $2.8 m |
| Oldham County | 48 | 79 | $3.6 m |
Households arriving report $1,329 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 Floyd 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$8.56 bn
- County GDP, 2023$7.84 bn
- GDP change, 2023 to 20249.1 percent
- GDP change over five years47.0 percent
- Rank by GDP among the Indiana areas BEA publishes13th of 92
- Rank by GDP among the US county areas BEA publishes501st of 3,127
- GDP per resident$68,827
Output grew 9.1 percent in the latest year and 47.0 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 average59,223
- Establishments reporting3,180
- Average annual pay$56,578
- Average weekly wage$1,088
- Transportation and warehousing, employment10,045
- Transportation and warehousing, average annual pay$58,926
- Retail trade, employment7,808
- Retail trade, average annual pay$56,497
- Health care and social assistance, employment7,286
- Health care and social assistance, average annual pay$59,900
- Manufacturing, employment7,205
- Manufacturing, average annual pay$64,399
- Accommodation and food services, employment5,848
- Construction, employment2,968
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Transportation and warehousing | 10,045 | 146 | $58,926 |
| Retail trade | 7,808 | 411 | $56,497 |
| Health care and social assistance | 7,286 | 319 | $59,900 |
| Manufacturing | 7,205 | 179 | $64,399 |
| Accommodation and food services | 5,848 | 270 | $22,584 |
| Construction | 2,968 | 316 | $63,922 |
| Finance and insurance | 2,560 | 210 | $82,024 |
| Wholesale trade | 2,451 | 203 | $72,288 |
Transportation and warehousing is the largest private sector at 10,045 jobs, 17.0 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 industries2,727
- Employment at those establishments53,705
- Annual payroll$2.68 bn
- Establishments per 1,000 residents21.9
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, 2024911
- Declared construction value permitted$261.7 m
- Single family units authorized734
- Multifamily units authorized177
- Multifamily share of units19.4 percent
- Average declared value per unit$287,307
- Units authorized per 1,000 households17.8
Single-family homes are 80.6 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 recorded118
- 7(a) gross approval dollars$70.4 m
- Average 7(a) approval$596,944
- Median 7(a) approval$309,900
- 10th percentile approval$40,000
- 90th percentile approval$1,543,950
- Largest single approval$4,920,000
- Jobs reported supported, 7(a)1,287
- Jobs per approval10.9
- Distinct 7(a) lenders active34
- Distinct industries receiving approvals59
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.3 percent
- Loans on real estate terms24
- Loans on working capital terms, 120 months or shorter87
- Franchise loans29
- Franchise share of approvals24.6 percent
- Leading industry by approval countFull-Service Restaurants (11)
- Most active lenderStock Yards Bank & Trust Company (16)
- 504 approvals recorded33
- 504 gross approval dollars$25.9 m
- Average 504 approval$783,970
- Median 504 approval$535,000
- Distinct CDCs active4
- 504 jobs per approval13.4
- 504 jobs per million dollars approved17.0
- Most active CDCPremier Capital Corporation (18)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$96.3 m
The average approval of $596,944 sits well above the median of $309,900, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 20.3 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.
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 recorded16
- Paid in full16
- Charged off0
- Status: Cancelled12
- Status: Paid in full16
- Status: Exempt from disclosure80
- Status: Committed, not yet disbursed10
Only 16 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 lending9
- Jeffersonville, approvals47
- Clarksville, approvals28
- Sellersburg, approvals22
- Charlestown, approvals13
- Borden, approvals3
- Henryville, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Jeffersonville | 47 | $26,801,600 |
| Clarksville | 28 | $14,731,800 |
| Sellersburg | 22 | $16,753,200 |
| Charlestown | 13 | $4,932,300 |
| Borden | 3 | $2,035,400 |
| Henryville | 2 | $4,782,000 |
| Jeffesonville | 1 | $228,100 |
| Marysville | 1 | $150,000 |
| 1 other borrower city | 1 | $25,000 |
Jeffersonville accounts for 47 approvals against 28 in Clarksville. 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 area373 sq mi
- Rank by land area among Indiana counties62nd of 92
- Width, east to west31.4 mi
- Height, north to south23.4 mi
- Geographies sharing a boundary7
- Residents per square mile of land333
- Establishments per square mile7.31
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 180426
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- 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 7
- Communities carrying a CRS class2
- Radon levels in Clark County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Clark County (community 180426), 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 1, a predicted average indoor radon screening level greater than 4 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 7, which carries a flood insurance premium discount for policies written in that community. 100.0 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 2020-2024124,354
- Households51,242
- Average household size2.43
- Median household income$74,214
- Median age39.9
Common questions
Clark County questions, answered from the record.
How many people live in Clark County, Indiana?
The Census Bureau estimates 127,479 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 124,354, in 51,242 households, ranking 14th of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clark County's population growing?
The population has grown 5.26 percent since the 2020 census base of 121,106, to 127,479 on July 1, 2024. In 2024 there were 1,330 births against 1,412 deaths, with net migration of 1,868. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clark County?
$74,214. The median owner-occupied home is valued at $222,900, which is 3.0 times income, and median gross rent is $1,129 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clark County?
2,727 establishments, employing 53,705 people with an annual payroll of $2.68 bn. 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?
Transportation and warehousing is the largest private sector at 10,045 jobs, 17.0 percent of covered employment. Covered employment averages 59,223 jobs at an average annual pay of $56,578, or $1,088 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?
118 7(a) approvals totaling $70.4 m since FY2020, across 34 lenders, with a median approval of $309,900, plus 33 504 approvals worth $25.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clark County?
911 housing units were authorized by permit in 2024, with a declared construction value of $261.7 m. Multifamily was 19.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clark 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 Clark County come from?
The largest single origin is Floyd County, with 1,106 households. Arriving households report an average income of $55,398 against $54,069 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.
11 Census places lie wholly or partly in Clark County. All 11 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 |
|---|---|---|---|---|
| Jeffersonville | city | 51,043 | 47 | Wholly in this county |
| Clarksville | town | 22,016 | 28 | Wholly in this county |
| Sellersburg | town | 10,137 | 22 | Wholly in this county |
| Charlestown | city | 8,294 | 13 | Wholly in this county |
| Henryville | CDP | 1,691 | 2 | Wholly in this county |
| Utica | town | 1,028 | None recorded | Wholly in this county |
| Borden | town | 987 | 3 | Wholly in this county |
| Underwood | CDP | 957 | None recorded | Wholly in this county |
| Memphis | CDP | 784 | 1 | Wholly in this county |
| New Washington | CDP | 351 | None recorded | Wholly in this county |
| Otisco | CDP | 109 | None recorded | Wholly in this county |
A further 2 of the county's 118 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clark County, the largest being Jeffesonville (1), Marysville (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.