1st Advantage MortgageMedian rent in Clark County is $872 a month against a median household income of $63,132, about 17% of income (ACS 2020-24). Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Clark County
- The $63,132 median and what sits around it
- Employment and commuting in Clark County
- Homes and rents, Clark County
- Counties near Clark County
- Census places in Clark County
- Debt-to-income, Clark County edition
- People and households in Clark County
- What the numbers mean for Clark County borrowers
- Who licenses lenders for Clark County residents
- Checklist for Clark County applicants
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Clark County
Roughly 135,158 residents live in Clark County, Ohio, 21st by population among the state's 88 counties and county equivalents. Clark County spans 396 square miles; with 135,158 people, that is 341.4 per square mile. Metro area: Springfield, OH (OMB, 2023). The Census Bureau counts 16 places in the county (9 incorporated, 7 census-designated); the largest is Springfield, with about 58,190 residents, or 43% of the county.
The $63,132 median and what sits around it
The median household income in Clark County is $63,132; statewide it is $71,389, so Clark County runs 12% below Ohio as a whole. That places it 57th among Ohio's 88 county-level areas.
| Band | Clark County | Compared with Ohio |
|---|---|---|
| Under $35,000 | 26.6% | +2.8 pts |
| $35,000 to $99,999 | 44.1% | +2.5 pts |
| $100,000 to $199,999 | 24.4% | -1.0 pts |
| $200,000 or more | 4.8% | -4.3 pts |
27% under $35,000 and 29% at $100,000 or more: that is the Clark County income split. Poverty rate, Clark County: 15.2%; Ohio: 13.3%. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Clark County median.
Employment and commuting in Clark County
Education and health care employs 23% of working residents, the largest share; manufacturing is next with 17%. Manufacturing stands out: 17% of workers here, versus 15% statewide. Unemployment in Clark County, ACS five-year: 6.7%; Ohio: 4.8%. Commutes of 45 minutes-plus: 13%; under 15 minutes: 31%.
| Industry | Share of Clark County workers | vs Ohio |
|---|---|---|
| Education and health care | 22.7% | -1.6 pts |
| Manufacturing | 17.3% | +2.6 pts |
| Retail trade | 10.8% | -0.3 pts |
| Professional and administrative services | 9.0% | -1.2 pts |
| Arts, lodging and food service | 8.0% | -0.4 pts |
| Construction | 6.4% | +0.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Clark County should have bank statements and tax returns ready.
Homes and rents, Clark County
Median gross rent, utilities included, comes to $872 in Clark County versus $1,034 statewide. About 4 in 10 Clark County renters pay 30% or more of income for rent. With a median value of $169,900, a typical Clark County house costs 2.7 times what the median household earns in a year. Owners occupy 69% of homes. The median home was built in 1963, so roofs, wiring and heating systems are a common source of repair bills. Nationally, Clark County's $872 rent is about level with the middle county.
| Housing | Clark County | Ohio statewide | Clark County vs state |
|---|---|---|---|
| Median gross rent | $872/mo | $1,034/mo | 16% lower |
| Median home value | $169,900 | $214,800 | 21% lower |
| Owners | 69% | 67% | +2.2 pts |
| Rent-burdened renters | 44% | 46% | -2.3 pts |
| Burdened owners | 21% | 21% | -0.1 pts |
| Mobile homes | 3.6% | 3.4% | +0.2 pts |
Counties near Clark County
Six nearby counties, 15 to 30 miles away by the straight-line distance between their centers. Income ranges from $63,275 in Fayette County to $87,309 in Greene County; all six of these neighbors top Clark County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Clark County | - | $63,132 | $872/mo | 69% |
| Champaign County, OH | 15 mi | $75,556 | $905/mo | 77% |
| Greene County, OH | 17 mi | $87,309 | $1,135/mo | 68% |
| Madison County, OH | 20 mi | $87,045 | $943/mo | 78% |
| Miami County, OH | 25 mi | $76,817 | $966/mo | 73% |
| Montgomery County, OH | 29 mi | $66,139 | $1,026/mo | 62% |
| Fayette County, OH | 30 mi | $63,275 | $822/mo | 65% |
Census places in Clark County
The table lists the 14 largest of 16 Census places in Clark County, by population. Together all 16 hold about 87,845 people, so roughly 35% of residents live outside any named place. Incomes vary by place: $96,912 at the median in Enon, $47,143 in Springfield. Rent is cheapest in South Charleston ($704) and steepest in Northridge ($1,102). From Springfield to the smallest crossroads, Clark County residents share this guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Springfield | city | 58,190 | $47,143 | $851 | 1 mi |
| Northridge | CDP | 7,817 | $84,974 | $1,102 | 6 mi |
| New Carlisle | city | 5,544 | $64,443 | $840 | 13 mi |
| Park Layne | CDP | 4,301 | $82,604 | $898 | 14 mi |
| Enon | village | 2,587 | $96,912 | $813 | 9 mi |
| Green Meadows | CDP | 2,144 | $73,281 | $1,045 | 9 mi |
| South Charleston | village | 1,727 | $49,896 | $704 | 10 mi |
| Holiday Valley | CDP | 1,660 | $91,705 | n/a | 10 mi |
| Crystal Lakes | CDP | 1,245 | $62,583 | $867 | 13 mi |
| Medway | CDP | 580 | $90,814 | n/a | 12 mi |
| South Vienna | village | 541 | $69,118 | $863 | 9 mi |
| North Hampton | village | 329 | $76,528 | $1,650 | 10 mi |
| Donnelsville | village | 308 | $67,708 | $817 | 8 mi |
| Catawba | village | 305 | $68,500 | $1,650 | 10 mi |
Debt-to-income, Clark County edition
Clark County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $5,261 before taxes
- 17% goes to median rent ($872)
- With a 35% ceiling, about $969 remains for car, card, student and any new loan payments
- With a 45% ceiling, about $1,495 remains for car, card, student and any new loan payments
These are gross figures; take-home pay in Clark County will be lower after taxes and deductions.
People and households in Clark County
College graduates make up 20% of the adult population. About 7% go without health insurance.
| Clark County | vs Ohio | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 20.2% | -11.3 pts | -1.9 pts |
| Work from home | 9.6% | -3.3 pts | +1.0 pts |
| No high school diploma | 11.0% | +2.9 pts | n/a |
| Unemployment (ACS) | 6.7% | +2.0 pts | +2.3 pts |
| Poverty rate | 15.2% | +1.9 pts | +2.0 pts |
| Median age | 41.2 | +1.5 yrs | -0.3 yrs |
| No vehicle | 7.2% | -0.3 pts | +1.8 pts |
| No health insurance | 6.6% | +0.2 pts | -1.2 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 31.4% |
| 15 to 29 min | 40.4% |
| 30 to 44 min | 15.4% |
| 45 to 59 min | 7.3% |
| 60+ min | 5.5% |
What the numbers mean for Clark County borrowers
The county's numbers point to a few situations that come up often for Clark County borrowers.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
- Check your file. An error fixed before you apply can change the offers a Clark County borrower sees (free reports).
Who licenses lenders for Clark County residents
No county office licenses personal lenders. For Clark County, check the Ohio Division of Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide.
Checklist for Clark County applicants
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
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 $63,132 median ranks 57th of 88 Ohio counties and compares with $65,681 for the median U.S. county.
What is the median rent in Clark County, OH?
$872 a month, utilities included, or $10,464 a year.
How many towns are in Clark County?
The Census Bureau counts 16 places mainly in the county, led by Springfield, Northridge, New Carlisle, Park Layne, Enon.
Does living in Clark County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Clark County resident as anyone. Lenders decide under fair-lending law.
How do I know a lender is legitimate in Clark County?
Look it up with the Ohio Division of Financial Institutions, read the written offer, and refuse any fee before funding.