Clinton County, New York: commercial real estate data.
Clinton County, New York has a population of 78,493 across 1,038 square miles, down 2.5 percent since the 2020 census base. 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.
126 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
- Population78,493
- 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-equivalents737th
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 an affordable ownership market 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 storey 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 change since the 2020 census base-2.47 percent
- Census 2020 base population79,843
- 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
The county has lost 2.47 percent of its population since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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 arriving1,171
- People arriving, from those returns1,858
- Adjusted gross income arriving$68.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,136
- Largest single originClinton County Non-migrants (31,317 households)
- Largest single destination (31,317 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 31,317 | 58,348 | $2.15 bn |
| Other flows - Different State | 519 | 848 | $34.4 m |
| Other flows - Same State | 244 | 367 | $12.6 m |
| Other flows - South | 225 | 389 | $14.9 m |
| Essex County | 185 | 301 | $8.5 m |
| Other flows - Northeast | 161 | 246 | $10.5 m |
| Franklin County | 98 | 144 | $5.3 m |
| Other flows - West | 83 | 130 | $5.7 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$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 New York counties33rd
- Rank by GDP among US county-equivalents720th
- 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
Largest employers in Clinton County
- Covered employment, annual average32,264
- Establishments reporting1,948
- Average annual pay$59,550
- Average weekly wage$1,145
- Sector 62, employment5,613
- Sector 62, average annual pay$61,557
- Sector 44-45, employment5,018
- Sector 44-45, average annual pay$42,315
- Sector 31-33, employment3,022
- Sector 31-33, average annual pay$60,316
- Sector 72, employment2,609
- Sector 72, average annual pay$26,656
- Sector 48-49, employment1,625
- Sector 23, employment1,060
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 5,613 | 204 | $61,557 |
| Sector 44-45 | 5,018 | 306 | $42,315 |
| Sector 31-33 | 3,022 | 72 | $60,316 |
| Sector 72 | 2,609 | 174 | $26,656 |
| Sector 48-49 | 1,625 | 108 | $52,472 |
| Sector 23 | 1,060 | 164 | $67,390 |
| Sector 54 | 1,007 | 132 | $55,607 |
| Sector 56 | 940 | 84 | $47,958 |
The largest sector is the biggest private employer group at 5,613 jobs, 17.4 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 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.
US Census Bureau, County Business Patterns, 2023.
Clinton County
Building permits in Clinton County
- Housing units authorised by permit, 2024183
- Declared construction value permitted$41.1 m
- Single family units authorised117
- Multifamily units authorised66
- Multifamily share of units36.1 percent
- Average declared value per unit$224,604
- Units authorised per 1,000 households5.5
Multifamily is 36.1 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 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$454,000
- 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
- Leading industry by approval countFull-Service Restaurants (4)
- 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$689,000
- Distinct CDCs active1
- 504 jobs per approval15.5
- 504 jobs per million dollars approved13.8
- Most active CDCEmpire State Certified Development Corporation (22)
- 7(a) share of SBA approvals71.8 percent
- Combined SBA approval dollars$37.6 m
The average approval of $232,693 sits well above the median of $100,000, 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 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
Too few loans have reached a final outcome to publish a charge off rate. only 8 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 lending16
- Plattsburgh, approvals30
- Chazy, approvals5
- KEESEVILLE, approvals5
- West Chazy, approvals3
- CADYVILLE, approvals2
- Au Sable Forks, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Plattsburgh | 30 | $9,266,400 |
| Chazy | 5 | $335,000 |
| KEESEVILLE | 5 | $1,045,800 |
| West Chazy | 3 | $600,000 |
| CADYVILLE | 2 | $65,000 |
| Au Sable Forks | 1 | $292,000 |
| Rouses Point | 1 | $10,000 |
| CHURUBUSCO | 1 | $80,000 |
Plattsburgh accounts for 30 approvals against 5 in Chazy. 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 boundary2
- 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 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 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.
- Population78,493
- 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?
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. 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 the average wage in Clinton County?
Average annual pay is $59,550, or $1,145 a week, across 32,264 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?
56 7(a) approvals totalling $13.0 m since FY2020, across 17 lenders, with a median approval of $100,000, plus 22 504 approvals worth $24.6 m. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
183 housing units were authorised 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 Clinton County Non-migrants, with 31,317 households. Arriving households report an average income of $58,136 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.
18 Census places lie wholly or partly in Clinton County. 18 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 |
|---|---|---|---|---|
| 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 6 SBA approvals in Clinton County are recorded against borrower cities that match no Census place, the largest being Churubusco, Ellenburg Center, Merrill. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.