Clinton County, Michigan: commercial real estate data.
Clinton County, Michigan had an estimated 80,050 residents on July 1, 2024, up 1.2 percent since the 2020 census base of 79,128, across 566 square miles. County output reached $3.17 bn in 2024, 1,406 establishments operate here, and the SBA record carries 83 7(a) approvals worth $31.1 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 2020-202479,626
- Households31,639
- Average household size2.52
- Median household income$88,210
- Median age41.8
- Median gross rent$1,092 per month
- Median owner-occupied home value$259,500
- Home value to household income2.9 times
- Annual rent as a share of median income14.9 percent
- Adults 25 and over with a bachelor degree or higher35.4 percent
- Adults 25 and over with a graduate degree13.9 percent
- Adults 25 and over56,125
- Population under 1817,005
- Share under 1821.4 percent
- Population 65 and over14,971
- Share 65 and over18.8 percent
- Working age population, 18 to 6447,650
- Civilian labor force41,146
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over65.7 percent
- Rank by population among Michigan counties25th of 83
- Rank by population among US county-equivalents, Puerto Rico included731st of 3,222
Clinton County is the 25th largest of 83 Michigan counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.4 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, 202480,050
- Census 2020 base population79,128
- Population change since the 2020 census base1.17 percent
- Population change, 2023 to 2024227
- Births, 2024703
- Deaths, 2024722
- Natural change, 2024-19
- Net domestic migration, 202475
- Net international migration, 2024174
- Total net migration, 2024249
- Cumulative net domestic migration, 2021 to 2024706
- Rank by growth among US county-equivalents1427th of 3,144
The county has grown 1.17 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.
Clinton County
Where are people moving to Clinton County from?
- Tax returns filed by households arriving2,608
- People arriving, from those returns4,450
- Tax returns filed by households leaving2,657
- Net household movement-49
- Adjusted gross income arriving$174.0 m
- Net adjusted gross income movement$-744,000
- Average income of an arriving household$66,710
- Average income of a leaving household$65,760
- Largest single originIngham County (879 households)
- Largest single destinationIngham County (790 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ingham County | 879 | 1,484 | $59.4 m |
| Eaton County | 278 | 511 | $18.1 m |
| Shiawassee County | 155 | 304 | $10.9 m |
| Ionia County | 78 | 163 | $4.1 m |
| Gratiot County | 76 | 124 | $3.1 m |
| Kent County | 62 | 119 | $4.6 m |
| Oakland County | 57 | 87 | $4.2 m |
| Wayne County | 50 | 89 | $2.6 m |
Households arriving report $950 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 Ingham 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$3.17 bn
- County GDP, 2023$3.04 bn
- GDP change, 2023 to 20244.1 percent
- GDP change over five years36.5 percent
- Rank by GDP among the Michigan areas BEA publishes28th of 83
- Rank by GDP among the US county areas BEA publishes939th of 3,127
- GDP per resident$39,785
Output grew 4.1 percent in the latest year and 36.5 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.
Clinton County
Employment by industry in Clinton County
- Covered employment, annual average18,614
- Establishments reporting1,464
- Average annual pay$53,866
- Average weekly wage$1,036
- Retail trade, employment2,617
- Retail trade, average annual pay$42,271
- Construction, employment2,096
- Construction, average annual pay$70,730
- Health care and social assistance, employment1,908
- Health care and social assistance, average annual pay$46,837
- Manufacturing, employment1,671
- Manufacturing, average annual pay$70,753
- Accommodation and food services, employment1,619
- Wholesale trade, employment931
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,617 | 169 | $42,271 |
| Construction | 2,096 | 209 | $70,730 |
| Health care and social assistance | 1,908 | 141 | $46,837 |
| Manufacturing | 1,671 | 70 | $70,753 |
| Accommodation and food services | 1,619 | 91 | $19,870 |
| Wholesale trade | 931 | 55 | $70,729 |
| Administrative and support and waste management services | 872 | 71 | $63,014 |
| Agriculture, forestry, fishing and hunting | 791 | 58 | $43,140 |
Retail trade is the largest private sector at 2,617 jobs, 14.1 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 industries1,406
- Employment at those establishments17,584
- Annual payroll$878.9 m
- Establishments per 1,000 residents17.7
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, 2024154
- Declared construction value permitted$49.7 m
- Single family units authorized138
- Multifamily units authorized16
- Multifamily share of units10.4 percent
- Average declared value per unit$322,609
- Units authorized per 1,000 households4.9
Single-family homes are 89.6 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 recorded83
- 7(a) gross approval dollars$31.1 m
- Average 7(a) approval$374,105
- Median 7(a) approval$100,000
- 10th percentile approval$20,000
- 90th percentile approval$860,400
- Largest single approval$4,855,000
- Jobs reported supported, 7(a)527
- Jobs per approval6.3
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals50
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.5 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter68
- Franchise loans2
- Franchise share of approvals2.4 percent
- Leading industry by approval countGeneral Freight Trucking, Local (8)
- Most active lenderThe Huntington National Bank (48)
- 504 approvals recorded28
- 504 gross approval dollars$13.5 m
- Average 504 approval$482,464
- Median 504 approval$405,000
- Distinct CDCs active3
- 504 jobs per approval6.8
- 504 jobs per million dollars approved14.0
- Most active CDCMichigan Certified Development Corporation (26)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$44.6 m
The average approval of $374,105 sits well above the median of $100,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 14.5 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 recorded12
- Paid in full12
- Charged off0
- Status: Paid in full12
- Status: Exempt from disclosure57
- Status: Cancelled9
- Status: Committed, not yet disbursed5
Only 12 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 lending12
- St. Johns, approvals28
- Lansing, approvals19
- DeWitt, approvals15
- Fowler, approvals7
- East Lansing, approvals3
- Eagle, approvals3
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| St. Johns | 28 | $15,682,900 |
| Lansing | 19 | $5,970,000 |
| DeWitt | 15 | $6,110,000 |
| Fowler | 7 | $207,400 |
| East Lansing | 3 | $2,080,400 |
| Eagle | 3 | $105,000 |
| Ovid | 2 | $170,000 |
| Bath | 2 | $150,000 |
| 4 other borrower cities | 4 | $575,000 |
St. Johns accounts for 28 approvals against 19 in Lansing. 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 area566 sq mi
- Rank by land area among Michigan counties44th of 83
- Width, east to west24 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land141
- Establishments per square mile2.48
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 county in the NFIP Community Status Book25
- Of those, participating in the NFIP21
- NFIP participation rate84.0 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. 84.0 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 2020-202479,626
- Households31,639
- Average household size2.52
- Median household income$88,210
- Median age41.8
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Michigan?
The Census Bureau estimates 80,050 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 79,626, in 31,639 households, ranking 25th of 83 Michigan 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 1.17 percent since the 2020 census base of 79,128, to 80,050 on July 1, 2024. In 2024 there were 703 births against 722 deaths, with net migration of 249. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$88,210. The median owner-occupied home is valued at $259,500, which is 2.9 times income, and median gross rent is $1,092 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clinton County?
1,406 establishments, employing 17,584 people with an annual payroll of $878.9 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 2,617 jobs, 14.1 percent of covered employment. Covered employment averages 18,614 jobs at an average annual pay of $53,866, or $1,036 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?
83 7(a) approvals totaling $31.1 m since FY2020, across 22 lenders, with a median approval of $100,000, plus 28 504 approvals worth $13.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
154 housing units were authorized by permit in 2024, with a declared construction value of $49.7 m. Multifamily was 10.4 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 Ingham County, with 879 households. Arriving households report an average income of $66,710 against $65,760 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 |
|---|---|---|---|---|
| Lansing | city | 113,023 | 19 | 7.5 percent here, 84.7 percent Ingham County, 7.8 percent Eaton County |
| East Lansing | city | 45,758 | 3 | 25.4 percent here, 74.6 percent Ingham County |
| Grand Ledge | city | 7,804 | 1 | 8.3 percent here, 91.7 percent Eaton County |
| St. Johns | city | 7,715 | 28 | Wholly in this county |
| DeWitt | city | 4,777 | 15 | Wholly in this county |
| Bath | CDP | 2,896 | 2 | Wholly in this county |
| Wacousta | CDP | 1,711 | None recorded | Wholly in this county |
| Fowler | village | 1,387 | 7 | Wholly in this county |
| Ovid | city | 1,370 | 2 | 94.5 percent here, 5.5 percent Shiawassee County |
| Lake Victoria | CDP | 1,006 | None recorded | Wholly in this county |
| Elsie | village | 1,000 | None recorded | Wholly in this county |
| Westphalia | village | 980 | None recorded | Wholly in this county |
| Maple Rapids | village | 727 | None recorded | Wholly in this county |
| Hubbardston | village | 464 | None recorded | 25.0 percent here, 75.0 percent Ionia County |
| Eagle | village | 93 | 3 | Wholly in this county |
| Eureka | CDP | 88 | None recorded | Wholly in this county |
A further 3 of the county's 83 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clinton County, the largest being Laingsburg (1), Haslett (1), Henderson (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.
Nearby