1st Advantage MortgageIn Clinton County, Indiana, the typical household earns $65,019 a year and the typical rent is $920. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Indiana license first.
On this page
- Clinton County by the numbers
- How much Clinton County households make
- Work, industries and travel time in Clinton County
- What it costs to live in Clinton County
- How Clinton County compares with nearby counties
- Places inside Clinton County
- Who lives in Clinton County, in numbers
- Borrowing situations common in Clinton County
- Debt-to-income at Clinton County's medians
- A Clinton County borrower's checklist
- Who licenses lenders for Clinton County residents
- Nearby and statewide guides
- Frequently asked questions
Clinton County by the numbers
Clinton County is home to about 32,944 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 52nd most populous of 92 county-level areas in Indiana. It covers 405 square miles of land, or about 81 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 6 Census places inside Clinton County, Frankfort leads by population with about 15,917; 6 of the 6 are incorporated.
How much Clinton County households make
Clinton County households have a median income of $65,019 (ACS 2020 to 2024), which ranks 63rd of 92 in Indiana.
| Household income | Clinton County | vs Indiana |
|---|---|---|
| Under $35,000 | 20.7% | -1.9 pts |
| $35,000 to $99,999 | 49.6% | +6.2 pts |
| $100,000 to $199,999 | 25.4% | -0.4 pts |
| $200,000 or more | 4.3% | -3.9 pts |
The spread is wide: 30% of Clinton County households make $100,000 or more, and 21% make less than $35,000. The poverty rate is 9.8%, 2 points lower than the state's 12.3%. The Gini index of income inequality is 0.380 (0 is perfect equality). None of these numbers decides a Clinton County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Clinton County
By the Census industry count, 28% of employed Clinton County residents work in manufacturing and 20% in education and health care. Manufacturing stands out: 28% of workers here, versus 18% statewide. The survey's unemployment rate for Clinton County averages 2.6% over 2020 to 2024 (state: 4.3%). About 82% drive to work alone and 9% have trips of 45 minutes or more. Only 4.1% of homes here go without a vehicle.
| Where residents work | Clinton County | Difference from Indiana |
|---|---|---|
| Manufacturing | 27.6% | +9.5 pts |
| Education and health care | 20.4% | -3.1 pts |
| Retail trade | 8.3% | -2.4 pts |
| Professional and administrative services | 7.1% | -2.1 pts |
| Transportation, warehousing and utilities | 6.9% | +0.7 pts |
| Construction | 6.3% | -0.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Clinton County should have bank statements and tax returns ready.
What it costs to live in Clinton County
Median gross rent, utilities included, comes to $920 in Clinton County versus $1,062 statewide. By the Census definition, 38% of Clinton County renters are cost-burdened. Home values center on $164,100, or 2.5 years of median income. Owners occupy 74% of homes.
| Clinton County | Indiana | U.S. county median | |
|---|---|---|---|
| Median gross rent | $920/mo | $1,062/mo | $877/mo |
| Median home value | $164,100 | $218,200 | $185,300 |
| Owners | 74% | 71% | 75% |
| Rent-burdened renters | 38% | 48% | 45% |
| Burdened owners | 15% | 20% | n/a |
| Mobile homes | 2.8% | 4.4% | n/a |
| Vacant units | 8% | 9% | n/a |
In an owner-heavy county like Clinton County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
How Clinton County compares with nearby counties
Six nearby counties, 18 to 29 miles away by the straight-line distance between their centers. 4 of the six report a higher median household income than Clinton County; Boone County is highest at $111,250 and Tippecanoe County lowest at $60,636.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Clinton County | - | $65,019 | $920/mo | 74% |
| Boone County, IN | 18 mi | $111,250 | $1,359/mo | 79% |
| Carroll County, IN | 20 mi | $65,645 | $890/mo | 82% |
| Tipton County, IN | 22 mi | $76,156 | $842/mo | 81% |
| Tippecanoe County, IN | 23 mi | $60,636 | $1,124/mo | 53% |
| Howard County, IN | 23 mi | $64,027 | $937/mo | 71% |
| Montgomery County, IN | 29 mi | $71,479 | $858/mo | 80% |
Places inside Clinton County
The table lists the 6 largest of 6 Census places in Clinton County, by population. Together all 6 hold about 21,087 people, so roughly 36% of residents live outside any named place. Michigantown has the highest median household income on the list ($74,375) and Kirklin the lowest ($56,458), counting places with at least 500 residents. None of the 6 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Frankfort | city | 15,917 | $57,412 | $898 | 3 mi |
| Rossville | town | 1,565 | $71,473 | $1,020 | 10 mi |
| Mulberry | town | 1,265 | $58,950 | $781 | 10 mi |
| Kirklin | town | 920 | $56,458 | $955 | 10 mi |
| Colfax | town | 906 | $63,281 | $733 | 13 mi |
| Michigantown | town | 514 | $74,375 | $844 | 5 mi |
Who lives in Clinton County, in numbers
Degree holders: 17% of adults over 25. 7.7% of residents have no health coverage.
| People and households | Clinton County | Indiana | Median county |
|---|---|---|---|
| Median age | 36.7 | 38.1 | 41.5 |
| Bachelor's or higher | 16.5% | 29.5% | 22.2% |
| No high school diploma | 13.1% | 9.6% | n/a |
| No health insurance | 7.7% | 7.4% | 7.8% |
| No vehicle | 4.1% | 6.2% | 5.4% |
| Work from home | 6.0% | 10.7% | 8.7% |
| Poverty rate | 9.8% | 12.3% | 13.2% |
| Unemployment (ACS) | 2.6% | 4.3% | 4.4% |
| Minutes to work | Clinton County workers |
|---|---|
| Under 15 min | 32.4% |
| 15 to 29 min | 36.9% |
| 30 to 44 min | 21.6% |
| 45 to 59 min | 6.9% |
| 60+ min | 2.1% |
Borrowing situations common in Clinton County
Based on the Clinton County data above, these borrowing questions are most likely to matter locally.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Debt-to-income at Clinton County's medians
Clinton County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Clinton County: $5,418
- Rent at the median, $920, takes 17% of that
- With a 43% ceiling, about $1,410 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 Clinton County's.
A Clinton County borrower's checklist
Before you apply, wherever you live in Clinton County:
- Get a written quote for whatever you are paying for in Clinton County.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Who licenses lenders for Clinton County residents
Licensing happens at the state level, so a lender working with Clinton County borrowers answers to the Indiana Department of Financial Institutions. Federal complaints: consumerfinance.gov. See the Indiana state guide for the statewide picture.
Nearby and statewide guides
The Indiana guide covers the whole state.
Frequently asked questions
What does a typical Clinton County household make?
About $65,019 a year at the median (ACS 2020-24), 10% below the Indiana median.
Is Clinton County expensive for renters?
Median rent is $920 against $1,062 statewide, and 38% of renter households are cost-burdened.
What are the biggest places in Clinton County?
By population: Frankfort, Rossville, Mulberry, Kirklin, Colfax. The county has 6 Census places in all.
Are Clinton County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Where can someone in Clinton County check a lender's license?
With the Indiana Department of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.