1st Advantage Mortgage33% of Clark County households earn $100,000 or more; the median is $74,214 (ACS 2020-24). County medians do not set your terms. Shop at least three lenders, including a credit union serving Clark County, and confirm each one's Indiana license.
On this page
- 124,354 residents: Clark County basics
- Paychecks and income spread in Clark County
- Clark County's most unusual numbers
- Employment and commuting in Clark County
- Homes and rents, Clark County
- Cities, towns and CDPs in Clark County
- Counties near Clark County
- Borrowing situations common in Clark County
- Clark County residents: age, schooling, coverage
- What a median Clark County budget can carry
- A Clark County borrower's checklist
- Indiana rules that apply in Clark County
- Keep exploring
- Frequently asked questions
124,354 residents: Clark County basics
The latest five-year Census estimate puts Clark County's population at 124,354; only 13 of Indiana's 92 county-level areas are larger. Clark County spans 372 square miles; with 124,354 people, that is 333.8 per square mile. For statistical purposes it belongs to the Louisville/Jefferson County, KY-IN metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 9 places in the county (6 incorporated, 3 census-designated); the largest is Jeffersonville, with about 51,043 residents, or 41% of the county.
Paychecks and income spread in Clark County
Clark County households have a median income of $74,214 (ACS 2020 to 2024), which ranks 29th of 92 in Indiana.
| Income band | Share in Clark County | Difference from Indiana |
|---|---|---|
| Under $35,000 | 18.9% | -3.7 pts |
| $35,000 to $99,999 | 47.8% | +4.4 pts |
| $100,000 to $199,999 | 26.8% | +1.0 pts |
| $200,000 or more | 6.5% | -1.7 pts |
The spread is wide: 33% of Clark County households make $100,000 or more, and 19% make less than $35,000. Clark County counts about 12,685 residents below the poverty line, 10.2% of the population. Clark County scores 0.414 on the Gini index, where higher means more unequal incomes. A household earning below the $74,214 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Clark County's most unusual numbers
Where Clark County lands at the extremes of Indiana's county rankings:
- Few Indiana counties match Clark County on the share of commutes over 45 minutes: 7% here, 13% for the state, ranking 5th lowest of 92. Short commutes keep vehicle costs down, which can free up room for savings.
- Few Indiana counties match Clark County on the share of workers who work from home: 12.7% here, 10.7% for the state, ranking 11th highest of 92. Remote and self-employed income may need tax returns as proof.
- Few Indiana counties match Clark County on median gross rent: $1,129/mo here, $1,062/mo for the state, ranking 10th highest of 92. High rent is the first thing a lender's ratio will see.
Employment and commuting in Clark County
The biggest employer of Clark County residents, by industry, is education and health care at 21% of workers, followed by manufacturing (16%). The sharpest difference from the state is in finance, insurance and real estate, at 8% locally and 5% for Indiana. 4.0% of Clark County's labor force reported being unemployed, averaged across 2020 to 2024. 24% of Clark County workers get to work in under 15 minutes, while 7% need 45 or more. No car: 5.0% of Clark County households.
| Top industries | Clark County share | +/- vs Indiana |
|---|---|---|
| Education and health care | 20.7% | -2.8 pts |
| Manufacturing | 16.2% | -1.8 pts |
| Retail trade | 10.1% | -0.6 pts |
| Arts, lodging and food service | 9.4% | +1.6 pts |
| Professional and administrative services | 8.5% | -0.7 pts |
| Finance, insurance and real estate | 8.5% | +3.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Homes and rents, Clark County
A typical Clark County rental runs $1,129 a month including utilities, which is 6% above Indiana. Cost-burdened renters, paying 30%-plus of income: 45% in Clark County, 48% statewide. With a median value of $222,900, a typical Clark County house costs 3.0 times what the median household earns in a year. In Clark County, 75% of occupied homes are owned by the people living in them. Half the housing stock was built before 1982. Nationally, Clark County's $1,129 rent is 29% above the middle county.
| Cost | Clark County | Indiana figure | Higher or lower |
|---|---|---|---|
| Owners | 75% | 71% | +4.2 pts |
| Rent-burdened renters | 45% | 48% | -2.7 pts |
| Burdened owners | 18% | 20% | -2.2 pts |
| Vacant units | 7% | 9% | -1.8 pts |
| Median gross rent | $1,129/mo | $1,062/mo | 6% higher |
| Median home value | $222,900 | $218,200 | 2% higher |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Cities, towns and CDPs in Clark County
9 Census places fall mainly inside Clark County; the 9 biggest are below. They account for 96,331 residents, leaving about 23% of the county in unincorporated, unnamed areas. Memphis has the highest median household income on the list ($137,560) and Clarksville the lowest ($60,467), counting places with at least 500 residents. Median rent ranges from $810 in Henryville to $1,375 in Utica. This guide covers each of the 9 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Jeffersonville | city | 51,043 | $70,930 | $1,148 | 10 mi |
| Clarksville | town | 22,016 | $60,467 | $1,110 | 11 mi |
| Sellersburg | town | 10,137 | $72,179 | $1,151 | 6 mi |
| Charlestown | city | 8,294 | $77,288 | $1,033 | 4 mi |
| Henryville | CDP | 1,691 | $71,667 | $810 | 5 mi |
| Utica | town | 1,028 | $84,886 | $1,375 | 10 mi |
| Borden | town | 987 | $72,708 | $1,042 | 13 mi |
| Memphis | CDP | 784 | $137,560 | n/a | 3 mi |
| New Washington | CDP | 351 | $81,705 | n/a | 10 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Counties near Clark County
Distances run center to center, from Scott County at 14 miles out to Washington County at 23. Clark County's $74,214 median trails 2 of the six and beats 4; the range runs $56,352 (Scott County) to $122,497 (Oldham County). Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Clark County resident follows Indiana rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Clark County | - | $74,214 | $1,129/mo | 75% |
| Scott County, IN | 14 mi | $56,352 | $822/mo | 71% |
| Oldham County, KY | 15 mi | $122,497 | $1,219/mo | 87% |
| Floyd County, IN | 15 mi | $79,704 | $1,036/mo | 73% |
| Jefferson County, KY | 20 mi | $69,866 | $1,149/mo | 62% |
| Trimble County, KY | 22 mi | $66,027 | $863/mo | 80% |
| Washington County, IN | 23 mi | $64,641 | $780/mo | 82% |
Borrowing situations common in Clark County
Clark County-specific points to check:
- Rent squeeze. 45% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Clark County residents: age, schooling, coverage
28% of Clark County adults 25 and older hold a bachelor's degree or more. Health coverage gaps: 6.7% of Clark County residents are uninsured.
| People and households | Clark County | Compared with Indiana | Compared with median county |
|---|---|---|---|
| Median age | 39.9 | +1.8 yrs | -1.6 yrs |
| Bachelor's or higher | 27.7% | -1.7 pts | +5.6 pts |
| No high school diploma | 8.8% | -0.8 pts | n/a |
| No health insurance | 6.7% | -0.7 pts | -1.1 pts |
| No vehicle | 5.0% | -1.2 pts | -0.4 pts |
| Work from home | 12.7% | +2.0 pts | +4.0 pts |
| Poverty rate | 10.2% | -2.1 pts | -3.0 pts |
| Unemployment (ACS) | 4.0% | -0.3 pts | -0.4 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 24.0% |
| 15 to 29 min | 49.8% |
| 30 to 44 min | 18.9% |
| 45 to 59 min | 4.0% |
| 60+ min | 3.3% |
What a median Clark County budget can carry
Clark County's $74,214 median income, run through a debt-to-income check:
- Start: $6,184 gross per month ($74,214 / 12)
- Less median rent of $1,129, which is 18% of it
- With a 43% ceiling, about $1,530 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Clark County's.
A Clark County borrower's checklist
A short checklist for Clark County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Ask each lender for the APR and all fees in writing.
- A Indiana license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
Indiana rules that apply in Clark County
No county office licenses personal lenders. For Clark County, check the Indiana Department of Financial Institutions. Federal complaints: consumerfinance.gov. The Indiana page has statewide figures to set beside Clark County's.
Keep exploring
No city in Clark County has its own guide yet; the state page is next up.
Frequently asked questions
Is Clark County a high-income county?
Its $74,214 median ranks 29th of 92 Indiana counties and compares with $65,681 for the median U.S. county.
What is the median rent in Clark County, IN?
$1,129 a month, utilities included, or $13,548 a year.
Is New Washington covered?
Yes. New Washington is one of 9 Census places in Clark County, and this guide covers all of them.
Will a Clark County address affect my match?
Beyond confirming Indiana as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a Clark County office that licenses lenders?
No, licensing is statewide. In Indiana it is the Indiana Department of Financial Institutions.