HomePennsylvaniaClinton County
Clinton County, Pennsylvania: commercial real estate data.
Clinton County, Pennsylvania had an estimated 37,865 residents on July 1, 2024, up 1.1 percent since the 2020 census base of 37,448, across 888 square miles. County output reached $1.96 bn in 2024, 801 establishments operate here, and the SBA record carries 32 7(a) approvals worth $7.2 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 2020-202437,798
- Households15,424
- Average household size2.45
- Median household income$60,816
- Median age39.8
- Median gross rent$820 per month
- Median owner-occupied home value$175,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher21.5 percent
- Adults 25 and over with a graduate degree8.0 percent
- Adults 25 and over25,078
- Population under 187,620
- Share under 1820.2 percent
- Population 65 and over7,565
- Share 65 and over20.0 percent
- Working age population, 18 to 6422,613
- Civilian labor force18,195
- Unemployment rate5.6 percent
- Labor force participation, adults 18 and over60.3 percent
- Rank by population among Pennsylvania counties56th of 67
- Rank by population among US county-equivalents, Puerto Rico included1261st of 3,222
Clinton County is the 56th largest of 67 Pennsylvania 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 20.2 percent against 20.0 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, 202437,865
- Census 2020 base population37,448
- Population change since the 2020 census base1.11 percent
- Population change, 2023 to 202413
- Births, 2024410
- Deaths, 2024471
- Natural change, 2024-61
- Net domestic migration, 202442
- Net international migration, 202430
- Total net migration, 202472
- Cumulative net domestic migration, 2021 to 2024661
- Rank by growth among US county-equivalents1443rd of 3,144
The county has grown 1.11 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 arriving696
- People arriving, from those returns1,153
- Tax returns filed by households leaving701
- Net household movement-5
- Adjusted gross income arriving$34.1 m
- Net adjusted gross income movement$139,000
- Average income of an arriving household$48,945
- Average income of a leaving household$48,398
- Largest single originLycoming County (200 households)
- Largest single destinationLycoming County (232 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lycoming County | 200 | 329 | $8.8 m |
| Centre County | 140 | 221 | $6.2 m |
| Clearfield County | 22 | 36 | $1.2 m |
Households arriving report $547 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 Lycoming 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$1.96 bn
- County GDP, 2023$1.95 bn
- GDP change, 2023 to 20240.7 percent
- GDP change over five years25.5 percent
- Rank by GDP among the Pennsylvania areas BEA publishes54th of 67
- Rank by GDP among the US county areas BEA publishes1301st of 3,127
- GDP per resident$51,937
Output grew 0.7 percent in the latest year and 25.5 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 average12,630
- Establishments reporting917
- Average annual pay$52,458
- Average weekly wage$1,009
- Manufacturing, employment2,932
- Manufacturing, average annual pay$72,021
- Retail trade, employment1,801
- Retail trade, average annual pay$31,060
- Accommodation and food services, employment1,107
- Accommodation and food services, average annual pay$19,224
- Construction, employment713
- Construction, average annual pay$59,884
- Other services, except public administration, employment440
- Transportation and warehousing, employment409
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,932 | 59 | $72,021 |
| Retail trade | 1,801 | 133 | $31,060 |
| Accommodation and food services | 1,107 | 80 | $19,224 |
| Construction | 713 | 112 | $59,884 |
| Other services, except public administration | 440 | 76 | $27,046 |
| Transportation and warehousing | 409 | 33 | $51,285 |
| Wholesale trade | 277 | 19 | $62,346 |
| Administrative and support and waste management services | 230 | 40 | $38,335 |
Manufacturing is the largest private sector at 2,932 jobs, 23.2 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 industries801
- Employment at those establishments10,683
- Annual payroll$532.0 m
- Establishments per 1,000 residents21.2
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.
Clinton County
Building permits in Clinton County
- Housing units authorized by permit, 202436
- Declared construction value permitted$8.1 m
- Single family units authorized34
- Multifamily units authorized2
- Multifamily share of units5.6 percent
- Average declared value per unit$223,648
- Units authorized per 1,000 households2.3
Single-family homes are 94.4 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 recorded32
- 7(a) gross approval dollars$7.2 m
- Average 7(a) approval$224,750
- Median 7(a) approval$114,000
- 10th percentile approval$20,000
- 90th percentile approval$496,300
- Largest single approval$2,114,600
- Jobs reported supported, 7(a)213
- Jobs per approval6.7
- Distinct 7(a) lenders active9
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer3.1 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter31
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countFarm Supplies Merchant Wholesalers (5)
- Most active lenderManufacturers and Traders Trust Company (15)
- 504 approvals recorded2
- 504 gross approval dollars$2.1 m
- Average 504 approval$1,062,000
- Median 504 approval$1,062,000
- Distinct CDCs active2
- 504 jobs per approval17.5
- 504 jobs per million dollars approved16.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.3 m
The average approval of $224,750 sits well above the median of $114,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 3.1 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 full5
- Charged off1
- Status: Paid in full5
- Status: Exempt from disclosure23
- Status: Charged off1
- Status: Cancelled2
- Status: Committed, not yet disbursed1
Only 6 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 lending5
- Lock Haven, approvals15
- Jersey Shore, approvals7
- Loganton, approvals5
- Beech Creek, approvals3
- Mill Hall, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lock Haven | 15 | $1,861,900 |
| Jersey Shore | 7 | $4,207,100 |
| Loganton | 5 | $810,000 |
| Beech Creek | 3 | $248,000 |
| Mill Hall | 2 | $65,000 |
Lock Haven accounts for 15 approvals against 7 in Jersey Shore. 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 area888 sq mi
- Rank by land area among Pennsylvania counties15th of 67
- Width, east to west49.4 mi
- Height, north to south35.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land43
- Establishments per square mile0.90
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 Book29
- Of those, participating in the NFIP29
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- 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. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 100.0 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 2020-202437,798
- Households15,424
- Average household size2.45
- Median household income$60,816
- Median age39.8
Common questions
Clinton County questions, answered from the record.
How many people live in Clinton County, Pennsylvania?
The Census Bureau estimates 37,865 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 37,798, in 15,424 households, ranking 56th of 67 Pennsylvania 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 1.11 percent since the 2020 census base of 37,448, to 37,865 on July 1, 2024. In 2024 there were 410 births against 471 deaths, with net migration of 72. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clinton County?
$60,816. The median owner-occupied home is valued at $175,900, which is 2.9 times income, and median gross rent is $820 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clinton County?
801 establishments, employing 10,683 people with an annual payroll of $532.0 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?
Manufacturing is the largest private sector at 2,932 jobs, 23.2 percent of covered employment. Covered employment averages 12,630 jobs at an average annual pay of $52,458, or $1,009 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?
32 7(a) approvals totaling $7.2 m since FY2020, across 9 lenders, with a median approval of $114,000, plus 2 504 approvals worth $2.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clinton County?
36 housing units were authorized by permit in 2024, with a declared construction value of $8.1 m. Multifamily was 5.6 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 Lycoming County, with 200 households. Arriving households report an average income of $48,945 against $48,398 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.
22 Census places lie wholly or partly in Clinton County. All 22 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 |
|---|---|---|---|---|
| Lock Haven | city | 8,447 | 15 | Wholly in this county |
| Mill Hall | borough | 1,364 | 2 | Wholly in this county |
| Dunnstown | CDP | 1,331 | None recorded | Wholly in this county |
| Flemington | borough | 1,322 | None recorded | Wholly in this county |
| Avis | borough | 1,171 | None recorded | Wholly in this county |
| Castanea | CDP | 1,138 | None recorded | Wholly in this county |
| Renovo | borough | 1,045 | None recorded | Wholly in this county |
| McElhattan | CDP | 1,036 | None recorded | Wholly in this county |
| Woolrich | CDP | 815 | None recorded | Wholly in this county |
| Beech Creek | borough | 678 | 3 | Wholly in this county |
| Rauchtown | CDP | 586 | None recorded | 93.7 percent here, 6.3 percent Lycoming County |
| Lamar | CDP | 570 | None recorded | Wholly in this county |
| Rote | CDP | 501 | None recorded | Wholly in this county |
| Farwell | CDP | 429 | None recorded | Wholly in this county |
| South Renovo | borough | 409 | None recorded | Wholly in this county |
| Loganton | borough | 391 | 5 | Wholly in this county |
| Salona | CDP | 357 | None recorded | Wholly in this county |
| North Bend | CDP | 313 | None recorded | Wholly in this county |
| Mackeyville | CDP | 279 | None recorded | Wholly in this county |
| Tylersville | CDP | 171 | None recorded | Wholly in this county |
| Clintondale | CDP | 127 | None recorded | Wholly in this county |
| Hyner | CDP | 127 | None recorded | Wholly in this county |
A further 7 of the county's 32 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clinton County, the largest being Jersey Shore (7). 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.