Clinton County, Ohio: commercial real estate data.
Clinton County, Ohio has a population of 42,012 across 409 square miles, down 0.0 percent since the 2020 census base. County output reached $3.13 bn in 2024, 712 establishments operate here, and the SBA record carries 45 7(a) approvals worth $15.0 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
- Population42,012
- Households16,761
- Average household size2.51
- Median household income$70,407
- Median age40.8
- Median gross rent$910 per month
- Median owner-occupied home value$211,900
- Home value to household income3.0 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher19.3 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over28,395
- Population under 189,530
- Share under 1822.7 percent
- Population 65 and over7,803
- Share 65 and over18.6 percent
- Working age population, 18 to 6424,679
- Civilian labor force20,873
- Unemployment rate4.5 percent
- Labor force participation, adults 18 and over64.3 percent
- Rank by population among Ohio counties59th of 88
- Rank by population among US county-equivalents1169th
Clinton County is the 59th largest of 88 Ohio counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.7 percent against 18.6 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 change since the 2020 census base-0.02 percent
- Census 2020 base population42,029
- Births, 2024456
- Deaths, 2024526
- Natural change, 2024-70
- Net domestic migration, 2024-58
- Net international migration, 2024173
- Total net migration, 2024115
- Cumulative net domestic migration, 2021 to 2024-86
- Rank by growth among US county-equivalents1831st
The county has lost 0.02 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 arriving1,165
- People arriving, from those returns2,000
- Adjusted gross income arriving$57.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,245
- Largest single originClinton County Non-migrants (15,777 households)
- Largest single destination (15,777 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clinton County Non-migrants | 15,777 | 31,434 | $1.08 bn |
| Other flows - Different State | 202 | 316 | $10.3 m |
| Warren County | 181 | 329 | $10.9 m |
| Highland County | 158 | 284 | $6.4 m |
| Other flows - South | 128 | 210 | $6.9 m |
| Clermont County | 114 | 209 | $5.1 m |
| Other flows - Same State | 103 | 165 | $4.8 m |
| Greene County | 86 | 147 | $4.4 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$3.13 bn
- County GDP, 2023$3.06 bn
- GDP change, 2023 to 20242.4 percent
- GDP change over five years33.2 percent
- Rank by GDP among Ohio counties48th
- Rank by GDP among US county-equivalents947th
- GDP per resident$74,500
Output grew 2.4 percent in the latest year and 33.2 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 average19,140
- Establishments reporting965
- Average annual pay$62,998
- Average weekly wage$1,211
- Sector 48-49, employment4,667
- Sector 48-49, average annual pay$80,849
- Sector 31-33, employment3,263
- Sector 31-33, average annual pay$75,745
- Sector 44-45, employment1,514
- Sector 44-45, average annual pay$36,153
- Sector 72, employment1,460
- Sector 72, average annual pay$20,550
- Sector 23, employment458
- Sector 56, employment381
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 48-49 | 4,667 | 48 | $80,849 |
| Sector 31-33 | 3,263 | 41 | $75,745 |
| Sector 44-45 | 1,514 | 126 | $36,153 |
| Sector 72 | 1,460 | 77 | $20,550 |
| Sector 23 | 458 | 81 | $66,182 |
| Sector 56 | 381 | 42 | $36,010 |
| Sector 71 | 316 | 13 | $25,270 |
| Sector 52 | 258 | 48 | $65,488 |
The largest sector is the biggest private employer group at 4,667 jobs, 24.4 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 industries712
- Employment at those establishments17,384
- Annual payroll$1.13 bn
- Establishments per 1,000 residents16.9
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, 2024120
- Declared construction value permitted$36.2 m
- Single family units authorised115
- Multifamily units authorised5
- Multifamily share of units4.2 percent
- Average declared value per unit$301,690
- Units authorised per 1,000 households7.2
Multifamily is 4.2 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 recorded45
- 7(a) gross approval dollars$15.0 m
- Average 7(a) approval$334,233
- Median 7(a) approval$50,000
- 10th percentile approval$17,000
- 90th percentile approval$1,225,000
- Largest single approval$2,941,000
- Jobs reported supported, 7(a)274
- Jobs per approval6.1
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals27
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.8 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter34
- Franchise loans2
- Franchise share of approvals4.4 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (4)
- Most active lenderThe Huntington National Bank (19)
- 504 approvals recorded9
- 504 gross approval dollars$6.8 m
- Average 504 approval$754,889
- Median 504 approval$198,000
- Distinct CDCs active3
- 504 jobs per approval2.0
- 504 jobs per million dollars approved2.6
- Most active CDCAlloy Development Co., Inc. (5)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$21.8 m
The average approval of $334,233 sits well above the median of $50,000, 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 17.8 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 recorded6
- Paid in full6
- Charged off0
- Status: Paid in full6
- Status: Cancelled4
- Status: Exempt from disclosure31
- Status: Committed, not yet disbursed4
Too few loans have reached a final outcome to publish a charge off rate. only 6 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 lending6
- Wilmington, approvals27
- Clarksville, approvals7
- BLANCHESTER, approvals5
- NEW VIENNA, approvals4
- PORT WILLIAM, approvals1
- SABINA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Wilmington | 27 | $4,056,300 |
| Clarksville | 7 | $389,300 |
| BLANCHESTER | 5 | $717,900 |
| NEW VIENNA | 4 | $9,612,000 |
| PORT WILLIAM | 1 | $50,000 |
| SABINA | 1 | $215,000 |
Wilmington accounts for 27 approvals against 7 in Clarksville. 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 area409 sq mi
- Rank by land area among Ohio counties63rd of 88
- Width, east to west23 mi
- Height, north to south22.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land103
- Establishments per square mile1.74
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 Book7
- Of those, participating in the NFIP6
- NFIP participation rate85.7 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 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. 85.7 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.
- Population42,012
- Households16,761
- Average household size2.51
- Median household income$70,407
- Median age40.8
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Ohio?
42,012, in 16,761 households, ranking 59th of 88 Ohio 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 0.02 percent since the 2020 census base. In 2024 there were 456 births against 526 deaths, with net migration of 115. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$70,407. The median owner-occupied home is valued at $211,900, which is 3.0 times income, and median gross rent is $910 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clinton County?
712 establishments, employing 17,384 people with an annual payroll of $1.13 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 $62,998, or $1,211 a week, across 19,140 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?
45 7(a) approvals totalling $15.0 m since FY2020, across 8 lenders, with a median approval of $50,000, plus 9 504 approvals worth $6.8 m. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
120 housing units were authorised by permit in 2024, with a declared construction value of $36.2 m. Multifamily was 4.2 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 Clinton County Non-migrants, with 15,777 households. Arriving households report an average income of $49,245 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.
9 Census places lie wholly or partly in Clinton County. 9 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 |
|---|---|---|---|---|
| Wilmington | city | 12,620 | 28 | Wholly in this county |
| Blanchester | village | 4,538 | 9 | Wholly in this county |
| Sabina | village | 2,734 | 1 | Wholly in this county |
| Lynchburg | village | 1,493 | None recorded | 10.7 percent here, 89.3 percent Highland County |
| New Vienna | village | 1,214 | 4 | Wholly in this county |
| Clarksville | village | 573 | 9 | Wholly in this county |
| Martinsville | village | 352 | None recorded | Wholly in this county |
| Midland | village | 337 | None recorded | Wholly in this county |
| Port William | village | 175 | 1 | Wholly in this county |