Clark County, Ohio: commercial real estate data.
Clark County, Ohio had an estimated 134,985 residents on July 1, 2024, down 0.7 percent since the 2020 census base of 135,974, across 397 square miles. County output reached $6.09 bn in 2024, 2,196 establishments operate here, and the SBA record carries 111 7(a) approvals worth $55.4 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 2020-2024135,158
- Households55,975
- Average household size2.41
- Median household income$63,132
- Median age41.2
- Median gross rent$872 per month
- Median owner-occupied home value$169,900
- Home value to household income2.7 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over93,713
- Population under 1830,519
- Share under 1822.6 percent
- Population 65 and over27,405
- Share 65 and over20.3 percent
- Working age population, 18 to 6477,234
- Civilian labor force63,316
- Unemployment rate6.7 percent
- Labor force participation, adults 18 and over60.5 percent
- Rank by population among Ohio counties21st of 88
- Rank by population among US county-equivalents, Puerto Rico included488th of 3,222
Clark County is the 21st largest of 88 Ohio counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.6 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.
Clark County
Is Clark County's population growing?
- Population, July 1, 2024134,985
- Census 2020 base population135,974
- Population change since the 2020 census base-0.73 percent
- Population change, 2023 to 2024250
- Births, 20241,524
- Deaths, 20241,842
- Natural change, 2024-318
- Net domestic migration, 2024154
- Net international migration, 2024420
- Total net migration, 2024574
- Cumulative net domestic migration, 2021 to 2024175
- Rank by growth among US county-equivalents2101st of 3,144
The county has lost 0.73 percent of its population 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 arriving2,847
- People arriving, from those returns4,989
- Tax returns filed by households leaving2,897
- Net household movement-50
- Adjusted gross income arriving$139.8 m
- Net adjusted gross income movement$927,000
- Average income of an arriving household$49,104
- Average income of a leaving household$47,937
- Largest single originMontgomery County (477 households)
- Largest single destinationMontgomery County (501 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County | 477 | 826 | $22.1 m |
| Franklin County | 346 | 627 | $17.7 m |
| Greene County | 336 | 585 | $17.2 m |
| Champaign County | 254 | 474 | $10.1 m |
| Miami County | 130 | 220 | $6.5 m |
| Madison County | 114 | 198 | $6.1 m |
| Logan County | 36 | 57 | $1.9 m |
| Hamilton County | 30 | 40 | $1.4 m |
Households arriving report $1,167 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 Montgomery 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$6.09 bn
- County GDP, 2023$5.93 bn
- GDP change, 2023 to 20242.7 percent
- GDP change over five years27.4 percent
- Rank by GDP among the Ohio areas BEA publishes28th of 88
- Rank by GDP among the US county areas BEA publishes643rd of 3,127
- GDP per resident$45,065
Output grew 2.7 percent in the latest year and 27.4 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 average46,967
- Establishments reporting2,614
- Average annual pay$52,055
- Average weekly wage$1,001
- Health care and social assistance, employment6,776
- Health care and social assistance, average annual pay$56,859
- Manufacturing, employment6,769
- Manufacturing, average annual pay$65,219
- Retail trade, employment4,684
- Retail trade, average annual pay$33,806
- Accommodation and food services, employment4,629
- Accommodation and food services, average annual pay$20,213
- Administrative and support and waste management services, employment3,858
- Transportation and warehousing, employment2,931
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 6,776 | 319 | $56,859 |
| Manufacturing | 6,769 | 148 | $65,219 |
| Retail trade | 4,684 | 364 | $33,806 |
| Accommodation and food services | 4,629 | 248 | $20,213 |
| Administrative and support and waste management services | 3,858 | 148 | $42,079 |
| Transportation and warehousing | 2,931 | 106 | $60,962 |
| Finance and insurance | 1,858 | 112 | $63,500 |
| Other services, except public administration | 1,578 | 200 | $47,486 |
Health care and social assistance is the largest private sector at 6,776 jobs, 14.4 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 industries2,196
- Employment at those establishments42,831
- Annual payroll$2.01 bn
- Establishments per 1,000 residents16.2
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, 2024232
- Declared construction value permitted$56.7 m
- Single family units authorized102
- Multifamily units authorized130
- Multifamily share of units56.0 percent
- Average declared value per unit$244,251
- Units authorized per 1,000 households4.1
Multifamily is 56.0 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Clark County
SBA loans in Clark County (7(a) and 504)
- 7(a) approvals recorded111
- 7(a) gross approval dollars$55.4 m
- Average 7(a) approval$498,686
- Median 7(a) approval$142,500
- 10th percentile approval$25,000
- 90th percentile approval$1,044,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,480
- Jobs per approval13.3
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals61
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.5 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter94
- Franchise loans6
- Franchise share of approvals5.4 percent
- Leading industry by approval countResidential Remodelers (7)
- Most active lenderThe Huntington National Bank (52)
- 504 approvals recorded24
- 504 gross approval dollars$14.7 m
- Average 504 approval$614,167
- Median 504 approval$512,000
- Distinct CDCs active5
- 504 jobs per approval6.0
- 504 jobs per million dollars approved9.7
- Most active CDCCommunity Capital Development Corporation (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$70.1 m
The average approval of $498,686 sits well above the median of $142,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 13.5 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.
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 recorded31
- Paid in full28
- Charged off3
- Charge-off rate on resolved loans9.7 percent
- Status: Paid in full28
- Status: Exempt from disclosure62
- Status: Cancelled10
- Status: Charged off3
- Status: Committed, not yet disbursed8
Of the 31 loans that have reached a final outcome, 9.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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 lending7
- Springfield, approvals81
- New Carlisle, approvals19
- South Charleston, approvals4
- Enon, approvals3
- South Vienna, approvals2
- Fairborn, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Springfield | 81 | $47,297,900 |
| New Carlisle | 19 | $3,680,000 |
| South Charleston | 4 | $742,000 |
| Enon | 3 | $1,665,000 |
| South Vienna | 2 | $515,000 |
| Fairborn | 1 | $1,304,300 |
| Mechanicsburg | 1 | $150,000 |
Springfield accounts for 81 approvals against 19 in New Carlisle. 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 area397 sq mi
- Rank by land area among Ohio counties83rd of 88
- Width, east to west28.5 mi
- Height, north to south18.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land340
- Establishments per square mile5.53
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 390732
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP7
- NFIP participation rate77.8 percent
- Communities carrying a CRS class0
- 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 390732), 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. 77.8 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 2020-2024135,158
- Households55,975
- Average household size2.41
- Median household income$63,132
- Median age41.2
Common questions
Clark County questions, answered from the record.
How many people live in Clark County, Ohio?
The Census Bureau estimates 134,985 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 135,158, in 55,975 households, ranking 21st of 88 Ohio counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clark County's population growing?
The population has fallen 0.73 percent since the 2020 census base of 135,974, to 134,985 on July 1, 2024. In 2024 there were 1,524 births against 1,842 deaths, with net migration of 574. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clark County?
$63,132. The median owner-occupied home is valued at $169,900, which is 2.7 times income, and median gross rent is $872 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clark County?
2,196 establishments, employing 42,831 people with an annual payroll of $2.01 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?
Health care and social assistance is the largest private sector at 6,776 jobs, 14.4 percent of covered employment. Covered employment averages 46,967 jobs at an average annual pay of $52,055, or $1,001 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?
111 7(a) approvals totaling $55.4 m since FY2020, across 23 lenders, with a median approval of $142,500, plus 24 504 approvals worth $14.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Clark County get paid back?
Of the 31 loans that have reached a final outcome, 28 were paid in full and 3 charged off, a charge-off rate of 9.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Clark County?
232 housing units were authorized by permit in 2024, with a declared construction value of $56.7 m. Multifamily was 56.0 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 Montgomery County, with 477 households. Arriving households report an average income of $49,104 against $47,937 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.
17 Census places lie wholly or partly in Clark County. All 17 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 |
|---|---|---|---|---|
| Springfield | city | 58,190 | 81 | Wholly in this county |
| Northridge | CDP | 7,817 | None recorded | Wholly in this county |
| New Carlisle | city | 5,544 | 19 | Wholly in this county |
| Park Layne | CDP | 4,301 | None recorded | Wholly in this county |
| Enon | village | 2,587 | 3 | Wholly in this county |
| Green Meadows | CDP | 2,144 | None recorded | Wholly in this county |
| South Charleston | village | 1,727 | 4 | Wholly in this county |
| Holiday Valley | CDP | 1,660 | None recorded | Wholly in this county |
| Crystal Lakes | CDP | 1,245 | None recorded | Wholly in this county |
| Medway | CDP | 580 | None recorded | Wholly in this county |
| South Vienna | village | 541 | 2 | Wholly in this county |
| North Hampton | village | 329 | None recorded | Wholly in this county |
| Donnelsville | village | 308 | None recorded | Wholly in this county |
| Catawba | village | 305 | None recorded | Wholly in this county |
| Lawrenceville | CDP | 302 | None recorded | Wholly in this county |
| Tremont City | village | 265 | None recorded | Wholly in this county |
| Clifton | village | 143 | None recorded | 47.4 percent here, 52.6 percent Greene County |
A further 2 of the county's 111 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clark County, the largest being Fairborn (1), Mechanicsburg (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