Clinton County, Iowa: commercial real estate data.
Clinton County, Iowa had an estimated 46,015 residents on July 1, 2024, down 1.0 percent since the 2020 census base of 46,460, across 695 square miles. County output reached $2.95 bn in 2024, 1,122 establishments operate here, and the SBA record carries 47 7(a) approvals worth $20.2 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 2020-202446,268
- Households19,506
- Average household size2.37
- Median household income$66,981
- Median age42.4
- Median gross rent$850 per month
- Median owner-occupied home value$160,600
- Home value to household income2.4 times
- Annual rent as a share of median income15.2 percent
- Adults 25 and over with a bachelor degree or higher22.4 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over32,266
- Population under 1810,582
- Share under 1822.9 percent
- Population 65 and over9,378
- Share 65 and over20.3 percent
- Working age population, 18 to 6426,308
- Civilian labor force22,506
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over63.1 percent
- Rank by population among Iowa counties12th of 99
- Rank by population among US county-equivalents, Puerto Rico included1071st of 3,222
Clinton County is the 12th largest of 99 Iowa counties by population. A median home costs 2.4 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.9 percent against 20.3 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, 202446,015
- Census 2020 base population46,460
- Population change since the 2020 census base-0.96 percent
- Population change, 2023 to 2024-119
- Births, 2024553
- Deaths, 2024658
- Natural change, 2024-105
- Net domestic migration, 2024-41
- Net international migration, 202428
- Total net migration, 2024-13
- Cumulative net domestic migration, 2021 to 2024-40
- Rank by growth among US county-equivalents2174th of 3,144
The county has lost 0.96 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
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 arriving980
- People arriving, from those returns1,737
- Tax returns filed by households leaving991
- Net household movement-11
- Adjusted gross income arriving$48.5 m
- Net adjusted gross income movement$-9.8 m
- Average income of an arriving household$49,538
- Average income of a leaving household$58,921
- Largest single originScott County (203 households)
- Largest single destinationScott County (203 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Scott County | 203 | 356 | $10.7 m |
| Whiteside County | 102 | 177 | $4.1 m |
| Jackson County | 66 | 133 | $3.1 m |
| Rock Island County | 36 | 61 | $1.4 m |
| Johnson County | 31 | 42 | $2.1 m |
| Carroll County | 26 | 44 | $909,000 |
| Dubuque County | 23 | 40 | $1.2 m |
| Linn County | 23 | 44 | $1.1 m |
Households arriving report $9,383 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Scott 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$2.95 bn
- County GDP, 2023$2.89 bn
- GDP change, 2023 to 20242.2 percent
- GDP change over five years27.3 percent
- Rank by GDP among the Iowa areas BEA publishes14th of 99
- Rank by GDP among the US county areas BEA publishes992nd of 3,127
- GDP per resident$63,771
Output grew 2.2 percent in the latest year and 27.3 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 average19,273
- Establishments reporting1,498
- Average annual pay$52,714
- Average weekly wage$1,014
- Manufacturing, employment4,518
- Manufacturing, average annual pay$77,954
- Health care and social assistance, employment2,832
- Health care and social assistance, average annual pay$50,035
- Retail trade, employment2,257
- Retail trade, average annual pay$32,522
- Accommodation and food services, employment1,620
- Accommodation and food services, average annual pay$19,520
- Administrative and support and waste management services, employment938
- Transportation and warehousing, employment889
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 4,518 | 73 | $77,954 |
| Health care and social assistance | 2,832 | 264 | $50,035 |
| Retail trade | 2,257 | 145 | $32,522 |
| Accommodation and food services | 1,620 | 117 | $19,520 |
| Administrative and support and waste management services | 938 | 95 | $34,086 |
| Transportation and warehousing | 889 | 71 | $58,713 |
| Construction | 709 | 128 | $61,158 |
| Finance and insurance | 564 | 85 | $68,038 |
Manufacturing is the largest private sector at 4,518 jobs, 23.4 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 industries1,122
- Employment at those establishments16,170
- Annual payroll$793.1 m
- Establishments per 1,000 residents24.3
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, 2024117
- Declared construction value permitted$23.6 m
- Single family units authorized31
- Multifamily units authorized86
- Multifamily share of units73.5 percent
- Average declared value per unit$201,369
- Units authorized per 1,000 households6.0
Multifamily is 73.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Clinton County
SBA loans in Clinton County (7(a) and 504)
- 7(a) approvals recorded47
- 7(a) gross approval dollars$20.2 m
- Average 7(a) approval$429,611
- Median 7(a) approval$160,000
- 10th percentile approval$38,000
- 90th percentile approval$1,218,000
- Largest single approval$3,650,000
- Jobs reported supported, 7(a)319
- Jobs per approval6.8
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter27
- Franchise loans6
- Franchise share of approvals12.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (7)
- Most active lenderCitizens First Bank (23)
- 504 approvals recorded15
- 504 gross approval dollars$16.4 m
- Average 504 approval$1,092,133
- Median 504 approval$758,000
- Distinct CDCs active3
- 504 jobs per approval9.9
- 504 jobs per million dollars approved9.0
- Most active CDCIowa Business Growth Company (7)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$36.6 m
The average approval of $429,611 sits well above the median of $160,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 19.1 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
SBA loan default and charge-off rates in Clinton County
Do SBA loans in Clinton County get paid back?
- Loans with a final outcome recorded23
- Paid in full23
- Charged off0
- Status: Paid in full23
- Status: Cancelled4
- Status: Exempt from disclosure20
Only 23 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 lending5
- Clinton, approvals40
- Wheatland, approvals3
- Camanche, approvals2
- DeWitt, approvals1
- Sabula, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Clinton | 40 | $17,326,500 |
| Wheatland | 3 | $2,414,000 |
| Camanche | 2 | $331,200 |
| DeWitt | 1 | $85,000 |
| Sabula | 1 | $35,000 |
Clinton accounts for 40 approvals against 3 in Wheatland. 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 area695 sq mi
- Rank by land area among Iowa counties15th of 99
- Width, east to west39 mi
- Height, north to south21 mi
- Geographies sharing a boundary7
- Residents per square mile of land67
- Establishments per square mile1.61
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 190859
- Communities in the county in the NFIP Community Status Book14
- Of those, participating in the NFIP14
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Clinton 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 Clinton County (community 190859), 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 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. 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 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 2020-202446,268
- Households19,506
- Average household size2.37
- Median household income$66,981
- Median age42.4
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Iowa?
The Census Bureau estimates 46,015 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 46,268, in 19,506 households, ranking 12th of 99 Iowa counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clinton County's population growing?
The population has fallen 0.96 percent since the 2020 census base of 46,460, to 46,015 on July 1, 2024. In 2024 there were 553 births against 658 deaths, with net migration of -13. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$66,981. The median owner-occupied home is valued at $160,600, which is 2.4 times income, and median gross rent is $850 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clinton County?
1,122 establishments, employing 16,170 people with an annual payroll of $793.1 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?
Manufacturing is the largest private sector at 4,518 jobs, 23.4 percent of covered employment. Covered employment averages 19,273 jobs at an average annual pay of $52,714, or $1,014 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?
47 7(a) approvals totaling $20.2 m since FY2020, across 12 lenders, with a median approval of $160,000, plus 15 504 approvals worth $16.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
117 housing units were authorized by permit in 2024, with a declared construction value of $23.6 m. Multifamily was 73.5 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 Scott County, with 203 households. Arriving households report an average income of $49,538 against $58,921 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 |
|---|---|---|---|---|
| Clinton | city | 24,322 | 40 | Wholly in this county |
| Maquoketa | city | 6,075 | None recorded | 6.5 percent here, 93.5 percent Jackson County |
| DeWitt | city | 5,546 | 1 | Wholly in this county |
| Camanche | city | 4,550 | 2 | Wholly in this county |
| Wheatland | city | 925 | 3 | Wholly in this county |
| Grand Mound | city | 510 | None recorded | Wholly in this county |
| Delmar | city | 480 | None recorded | Wholly in this county |
| Charlotte | city | 454 | None recorded | Wholly in this county |
| Calamus | city | 417 | None recorded | Wholly in this county |
| Lost Nation | city | 390 | None recorded | Wholly in this county |
| Goose Lake | city | 387 | None recorded | Wholly in this county |
| Low Moor | city | 253 | None recorded | Wholly in this county |
| Andover | city | 124 | None recorded | Wholly in this county |
| Welton | city | 114 | None recorded | Wholly in this county |
| Toronto | city | 87 | None recorded | Wholly in this county |
| Big Rock | CDP | 6 | None recorded | 21.3 percent here, 78.7 percent Scott County |
A further 1 of the county's 47 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clinton County, the largest being Sabula (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.