Clinton County, New York: commercial real estate data.
Clinton County, New York had an estimated 77,871 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 79,843, across 1,038 square miles. County output reached $4.93 bn in 2024, 1,701 establishments operate here, and the SBA record carries 56 7(a) approvals worth $13.0 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 2020-202478,493
- Households33,556
- Average household size2.34
- Median household income$71,224
- Median age41.9
- Median gross rent$1,003 per month
- Median owner-occupied home value$180,600
- Home value to household income2.5 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher27.6 percent
- Adults 25 and over with a graduate degree11.7 percent
- Adults 25 and over54,834
- Population under 1814,165
- Share under 1818.0 percent
- Population 65 and over14,913
- Share 65 and over19.0 percent
- Working age population, 18 to 6449,415
- Civilian labor force38,136
- Unemployment rate4.1 percent
- Labor force participation, adults 18 and over59.3 percent
- Rank by population among New York counties34th of 62
- Rank by population among US county-equivalents, Puerto Rico included737th of 3,222
Clinton County is the 34th largest of 62 New York counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 19.0 percent against 18.0 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clinton County
Is Clinton County's population growing?
- Population, July 1, 202477,871
- Census 2020 base population79,843
- Population change since the 2020 census base-2.47 percent
- Population change, 2023 to 2024-12
- Births, 2024625
- Deaths, 2024865
- Natural change, 2024-240
- Net domestic migration, 202419
- Net international migration, 2024207
- Total net migration, 2024226
- Cumulative net domestic migration, 2021 to 2024-1,381
- Rank by growth among US county-equivalents2622nd of 3,144
The county has lost 2.47 percent of its population since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though 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 arriving1,171
- People arriving, from those returns1,858
- Tax returns filed by households leaving1,304
- Net household movement-133
- Adjusted gross income arriving$68.1 m
- Net adjusted gross income movement$2.5 m
- Average income of an arriving household$58,136
- Average income of a leaving household$50,292
- Largest single originEssex County (185 households)
- Largest single destinationEssex County (141 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Essex County | 185 | 301 | $8.5 m |
| Franklin County | 98 | 144 | $5.3 m |
| Chittenden County | 51 | 79 | $2.5 m |
| Franklin County | 28 | 54 | $1.6 m |
| St. Lawrence County | 26 | 42 | $2.0 m |
| Saratoga County | 20 | 23 | $1.0 m |
Households arriving report $7,844 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 Essex 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$4.93 bn
- County GDP, 2023$4.73 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years29.6 percent
- Rank by GDP among the New York areas BEA publishes33rd of 62
- Rank by GDP among the US county areas BEA publishes720th of 3,127
- GDP per resident$62,793
Output grew 4.2 percent in the latest year and 29.6 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 average32,264
- Establishments reporting1,948
- Average annual pay$59,550
- Average weekly wage$1,145
- Health care and social assistance, employment5,613
- Health care and social assistance, average annual pay$61,557
- Retail trade, employment5,018
- Retail trade, average annual pay$42,315
- Manufacturing, employment3,022
- Manufacturing, average annual pay$60,316
- Accommodation and food services, employment2,609
- Accommodation and food services, average annual pay$26,656
- Transportation and warehousing, employment1,625
- Construction, employment1,060
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 5,613 | 204 | $61,557 |
| Retail trade | 5,018 | 306 | $42,315 |
| Manufacturing | 3,022 | 72 | $60,316 |
| Accommodation and food services | 2,609 | 174 | $26,656 |
| Transportation and warehousing | 1,625 | 108 | $52,472 |
| Construction | 1,060 | 164 | $67,390 |
| Professional, scientific and technical services | 1,007 | 132 | $55,607 |
| Administrative and support and waste management services | 940 | 84 | $47,958 |
Health care and social assistance is the largest private sector at 5,613 jobs, 17.4 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 industries1,701
- Employment at those establishments27,188
- Annual payroll$1.31 bn
- Establishments per 1,000 residents21.7
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, 2024183
- Declared construction value permitted$41.1 m
- Single family units authorized117
- Multifamily units authorized66
- Multifamily share of units36.1 percent
- Average declared value per unit$224,604
- Units authorized per 1,000 households5.5
Single-family homes are 63.9 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 recorded56
- 7(a) gross approval dollars$13.0 m
- Average 7(a) approval$232,693
- Median 7(a) approval$100,000
- 10th percentile approval$25,000
- 90th percentile approval$438,000
- Largest single approval$2,425,900
- Jobs reported supported, 7(a)250
- Jobs per approval4.5
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals41
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.5 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter46
- Franchise loans1
- Franchise share of approvals1.8 percent
- Most active lenderTD Bank, National Association (26)
- 504 approvals recorded22
- 504 gross approval dollars$24.6 m
- Average 504 approval$1,116,409
- Median 504 approval$651,500
- Distinct CDCs active1
- 504 jobs per approval15.5
- 504 jobs per million dollars approved13.8
- Most active CDCEmpire State Certified Development Corporation (22)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$37.6 m
The average approval of $232,693 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 12.5 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 recorded8
- Paid in full8
- Charged off0
- Status: Paid in full8
- Status: Exempt from disclosure35
- Status: Cancelled7
- Status: Committed, not yet disbursed6
Only 8 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 lending16
- Plattsburgh, approvals30
- Keeseville, approvals5
- Chazy, approvals5
- West Chazy, approvals3
- Cadyville, approvals2
- Schuyler Falls, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Plattsburgh | 30 | $9,266,400 |
| Keeseville | 5 | $1,045,800 |
| Chazy | 5 | $335,000 |
| West Chazy | 3 | $600,000 |
| Cadyville | 2 | $65,000 |
| Schuyler Falls | 1 | $560,000 |
| Albany | 1 | $350,000 |
| Au Sable Forks | 1 | $292,000 |
| 8 other borrower cities | 8 | $516,600 |
Plattsburgh accounts for 30 approvals against 5 in Keeseville. 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 area1,038 sq mi
- Rank by land area among New York counties15th of 62
- Width, east to west33.9 mi
- Height, north to south40.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land76
- Establishments per square mile1.64
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 Book18
- Of those, participating in the NFIP16
- NFIP participation rate88.9 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. 88.9 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 2020-202478,493
- Households33,556
- Average household size2.34
- Median household income$71,224
- Median age41.9
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, New York?
The Census Bureau estimates 77,871 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 78,493, in 33,556 households, ranking 34th of 62 New York 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 2.47 percent since the 2020 census base of 79,843, to 77,871 on July 1, 2024. In 2024 there were 625 births against 865 deaths, with net migration of 226. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$71,224. The median owner-occupied home is valued at $180,600, which is 2.5 times income, and median gross rent is $1,003 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clinton County?
1,701 establishments, employing 27,188 people with an annual payroll of $1.31 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 Clinton County?
Health care and social assistance is the largest private sector at 5,613 jobs, 17.4 percent of covered employment. Covered employment averages 32,264 jobs at an average annual pay of $59,550, or $1,145 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?
56 7(a) approvals totaling $13.0 m since FY2020, across 17 lenders, with a median approval of $100,000, plus 22 504 approvals worth $24.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
183 housing units were authorized by permit in 2024, with a declared construction value of $41.1 m. Multifamily was 36.1 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 Essex County, with 185 households. Arriving households report an average income of $58,136 against $50,292 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.
18 Census places lie wholly or partly in Clinton County. All 18 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 |
|---|---|---|---|---|
| Plattsburgh | city | 19,830 | 30 | Wholly in this county |
| Dannemora | village | 2,684 | None recorded | Wholly in this county |
| Keeseville | CDP | 2,570 | 5 | 48.6 percent here, 51.4 percent Essex County |
| Rouses Point | village | 2,414 | 1 | Wholly in this county |
| Peru | CDP | 1,965 | None recorded | Wholly in this county |
| Morrisonville | CDP | 1,950 | 1 | Wholly in this county |
| Cumberland Head | CDP | 1,535 | None recorded | Wholly in this county |
| Plattsburgh West | CDP | 1,328 | None recorded | Wholly in this county |
| Champlain | village | 1,270 | 1 | Wholly in this county |
| West Chazy | CDP | 867 | 3 | Wholly in this county |
| Altona | CDP | 544 | 1 | Wholly in this county |
| Cadyville | CDP | 479 | 2 | Wholly in this county |
| Au Sable Forks | CDP | 369 | 1 | Wholly in this county |
| Mooers | CDP | 350 | None recorded | Wholly in this county |
| Redford | CDP | 340 | None recorded | Wholly in this county |
| Lyon Mountain | CDP | 312 | 1 | Wholly in this county |
| Chazy | CDP | 240 | 5 | Wholly in this county |
| Parc | CDP | 98 | None recorded | Wholly in this county |
A further 5 of the county's 56 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clinton County, the largest being Schuyler Falls (1), Albany (1), Churubusco (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