1st Advantage MortgageMedian rent in Clermont County is $1,107 a month against a median household income of $85,510, about 16% of income (ACS 2020-24). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Clermont County in brief
- Paychecks and income spread in Clermont County
- Clermont County's most unusual numbers
- Jobs and commutes in Clermont County
- Renting and owning in Clermont County
- Places inside Clermont County
- Clermont County next to its neighbors
- Reading the Clermont County data as a borrower
- Clermont County demographics against Ohio
- A Clermont County household budget, worked through
- Steps before you apply in Clermont County
- Verifying a lender from Clermont County
- Beyond Clermont County
- Frequently asked questions
Clermont County in brief
Clermont County is home to about 211,181 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 14th most populous of 88 county-level areas in Ohio. Clermont County spans 453 square miles; with 211,181 people, that is 466.6 per square mile. Clermont County counts toward the Cincinnati, OH-KY-IN metro in the 2023 OMB delineation, so regional figures for Cincinnati, OH-KY-IN include it. Amelia (12,871 people) heads the county's list of 20 Census places, 10 incorporated and 10 census-designated.
Paychecks and income spread in Clermont County
Median household income in Clermont County: $85,510 (20% above Ohio, $71,389). In the state ranking that is 9th of 88.
| Household income | Clermont County | vs Ohio |
|---|---|---|
| Under $35,000 | 18.4% | -5.4 pts |
| $35,000 to $99,999 | 40.7% | -1.0 pts |
| $100,000 to $199,999 | 29.4% | +4.0 pts |
| $200,000 or more | 11.6% | +2.4 pts |
18% under $35,000 and 41% at $100,000 or more: that is the Clermont County income split. Census counts 9.1% of Clermont County residents in poverty, against 13.3% across Ohio. Clermont County scores 0.435 on the Gini index, where higher means more unequal incomes. For a borrower in Clermont County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Clermont County's most unusual numbers
Out of every Ohio county, Clermont County is most unusual on these measures.
- Few Ohio counties match Clermont County on the housing vacancy rate: 4% here, 8% for the state, ranking 2nd lowest of 88. Low vacancy tends to push rents up over time.
- Few Ohio counties match Clermont County on median household income: $85,510 here, $71,389 for the state, ranking 9th highest of 88. A high county median can hide a wide spread, so budget from your own pay.
- Median home value: $266,200 in Clermont County. Only 9 of 88 Ohio counties are higher. High values mean many owners could borrow against equity; weigh that risk carefully.
- On median gross rent, Clermont County sits near the top of Ohio at $1,107/mo, 10th highest of 88. Rent this high leaves less room in a debt-to-income test.
Jobs and commutes in Clermont County
The biggest employer of Clermont County residents, by industry, is education and health care at 21% of workers, followed by manufacturing (15%). Unemployment in Clermont County, ACS five-year: 4.2%; Ohio: 4.8%. 20% of Clermont County workers get to work in under 15 minutes, while 17% need 45 or more.
| Industry (employed residents 16+) | Clermont County | Gap to Ohio |
|---|---|---|
| Education and health care | 20.8% | -3.5 pts |
| Manufacturing | 14.6% | -0.1 pts |
| Retail trade | 12.9% | +1.8 pts |
| Professional and administrative services | 11.3% | +1.0 pts |
| Finance, insurance and real estate | 8.0% | +1.4 pts |
| Arts, lodging and food service | 7.8% | -0.5 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Renting and owning in Clermont County
Renters in Clermont County pay a median of $1,107 a month, 7% above the Ohio figure of $1,034. Rent takes 30% or more of income for 40% of renter households here. The median owner-occupied home is valued at $266,200, about 3.1 times the median household income. 74% of Clermont County households own their home and 26% rent. Nationally, Clermont County's $1,107 rent is 26% above the middle county.
| Housing | Clermont County | Ohio statewide | Clermont County vs state |
|---|---|---|---|
| Owners | 74% | 67% | +6.5 pts |
| Rent-burdened renters | 40% | 46% | -5.8 pts |
| Vacant units | 4% | 8% | -4.1 pts |
| Mobile homes | 5.9% | 3.4% | +2.5 pts |
| Median home value | $266,200 | $214,800 | 24% higher |
| Median gross rent | $1,107/mo | $1,034/mo | 7% higher |
| Burdened owners | 22% | 21% | +0.5 pts |
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).
Places inside Clermont County
Here are the 14 most populous of the county's 20 Census places, with income and rent from the same 2020 to 2024 survey. About 28% of Clermont County residents live in one of the 20. Among places of 500 or more people, median income runs from $43,779 in Bethel to $102,031 in Mount Repose. Rent is cheapest in Bethel ($667) and steepest in Mulberry ($1,364). From Amelia to the smallest crossroads, Clermont County residents share this guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Amelia | CDP | 12,871 | $70,938 | $957 | 4 mi |
| Withamsville | CDP | 7,429 | $72,300 | $1,156 | 7 mi |
| Milford | city | 6,497 | $78,057 | $940 | 11 mi |
| Mount Carmel | CDP | 4,890 | $70,000 | $950 | 8 mi |
| Summerside | CDP | 4,662 | $71,241 | $1,177 | 9 mi |
| Mulberry | CDP | 3,821 | $75,969 | $1,364 | 11 mi |
| Mount Repose | CDP | 3,798 | $102,031 | $892 | 10 mi |
| Batavia | village | 2,794 | $60,984 | $817 | 2 mi |
| New Richmond | village | 2,766 | $80,536 | $738 | 9 mi |
| Bethel | village | 2,658 | $43,779 | $667 | 7 mi |
| Williamsburg | village | 2,608 | $62,500 | $904 | 5 mi |
| Day Heights | CDP | 2,457 | $94,138 | $1,105 | 9 mi |
| Goshen | CDP | 759 | $93,850 | n/a | 12 mi |
| Owensville | village | 620 | n/a | n/a | 5 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Clermont County next to its neighbors
The six counties whose centers lie closest to Clermont County's, from 14 to 26 miles away. Warren County leads the group on income ($110,132), Bracken County trails ($66,319), and Clermont County out-earns 5 of the six. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Clermont County resident follows Ohio rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Clermont County | - | $85,510 | $1,107/mo | 74% |
| Campbell County, KY | 14 mi | $77,567 | $1,145/mo | 71% |
| Brown County, OH | 17 mi | $71,270 | $817/mo | 77% |
| Kenton County, KY | 22 mi | $80,548 | $1,069/mo | 71% |
| Hamilton County, OH | 23 mi | $72,470 | $1,075/mo | 59% |
| Bracken County, KY | 26 mi | $66,319 | $756/mo | 79% |
| Warren County, OH | 26 mi | $110,132 | $1,361/mo | 79% |
Reading the Clermont County data as a borrower
The county's numbers point to a few situations that come up often for Clermont County borrowers.
- Strong-credit shopping. Many Clermont County households (41%) earn six figures; prequalify with several lenders at once.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Check your file. An error fixed before you apply can change the offers a Clermont County borrower sees (free reports).
Clermont County demographics against Ohio
Bachelor's degree or higher: 32% of Clermont County adults. Uninsured, Clermont County: 5.8%; Ohio: 6.4%.
| Residents | Clermont County | Difference from Ohio | Difference from middle U.S. county |
|---|---|---|---|
| Median age | 40.8 | +1.1 yrs | -0.7 yrs |
| Bachelor's or higher | 31.6% | +0.1 pts | +9.4 pts |
| No high school diploma | 7.9% | -0.3 pts | n/a |
| No health insurance | 5.8% | -0.6 pts | -2.0 pts |
| No vehicle | 4.6% | -2.9 pts | -0.9 pts |
| Work from home | 13.6% | +0.6 pts | +4.9 pts |
| Poverty rate | 9.1% | -4.2 pts | -4.1 pts |
| Unemployment (ACS) | 4.2% | -0.6 pts | -0.3 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 19.7% |
| 15 to 29 min | 34.3% |
| 30 to 44 min | 29.3% |
| 45 to 59 min | 11.1% |
| 60+ min | 5.6% |
A Clermont County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Clermont County's medians:
- Median income divided by twelve: $7,126 before taxes
- Rent at the median, $1,107, takes 16% of that
- At 43%, room after rent is $1,957 a month
These are gross figures; take-home pay in Clermont County will be lower after taxes and deductions.
Steps before you apply in Clermont County
Steps that save money for Clermont County residents:
- Know the exact dollar figure you need before talking to a lender.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Ohio license before giving out your Social Security number.
- Ask a Clermont County credit union about member loans.
Verifying a lender from Clermont County
Clermont County borrowers fall under statewide rules, enforced by the Ohio Division of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender.
Beyond Clermont County
Statewide:
Frequently asked questions
Is $85,510 a good income in Clermont County?
It is the county median, so half of Clermont County households earn more and half less; 41% earn $100,000 or more.
What do renters pay in Clermont County?
$1,107 a month at the median, about 16% of median household income.
Is home equity cheaper than a personal loan in Clermont County?
Often, because the home secures it. With 74% of Clermont County homes owner-occupied, weigh that lower cost against the risk to the house.
I live in a small Clermont County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Amelia, Withamsville, Milford, Mount Carmel, Summerside and 15 more.
Will a Clermont County address affect my match?
Beyond confirming Ohio as your state, no. Your answers about amount, credit, income and payments are all that count.