1st Advantage MortgageIn Clinton County, Kentucky, the typical household earns $44,844 a year and the typical rent is $617. County medians do not set your terms. Shop at least three lenders, including a credit union serving Clinton County, and confirm each one's Kentucky license.
On this page
- Clinton County in brief
- How much Clinton County households make
- Clinton County housing compared with Kentucky
- Employment and commuting in Clinton County
- What stands out in Clinton County
- Counties near Clinton County
- Cities, towns and CDPs in Clinton County
- Clinton County demographics against Kentucky
- A Clinton County household budget, worked through
- Local borrowing considerations for Clinton County
- Steps before you apply in Clinton County
- Who licenses lenders for Clinton County residents
- Related local guides
- Frequently asked questions
Clinton County in brief
Clinton County is home to about 9,202 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 100th most populous of 120 county-level areas in Kentucky. Clinton County spans 197 square miles; with 9,202 people, that is 46.7 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Albany (1,896 people) heads the county's list of 1 Census place. Because Clinton County is small, the survey's margins of error are wide; treat the numbers as approximate.
How much Clinton County households make
$44,844 is the median household income for Clinton County, set against $63,726 for Kentucky. That places it 97th among Kentucky's 120 county-level areas.
| Household income | Clinton County | vs Kentucky |
|---|---|---|
| Under $35,000 | 36.5% | +8.6 pts |
| $35,000 to $99,999 | 45.0% | +3.1 pts |
| $100,000 to $199,999 | 17.9% | -5.1 pts |
| $200,000 or more | 0.6% | -6.7 pts |
On the low end, 37% of Clinton County households report under $35,000; at the top, 18% report $100,000-plus. Census counts 17.5% of Clinton County residents in poverty, against 16.1% across Kentucky. A household earning below the $44,844 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Clinton County housing compared with Kentucky
Clinton County rent at the median: $617 a month, utilities in ($967 in Kentucky). By the Census definition, 45% of Clinton County renters are cost-burdened. Home values center on $122,200, or 2.7 years of median income. Homeowners 71%, renters 29%. Median construction year: 1983. Nationally, Clinton County's $617 rent is 30% below the middle county.
| Cost | Clinton County | Kentucky figure | Higher or lower |
|---|---|---|---|
| Mobile homes | 24.3% | 10.7% | +13.6 pts |
| Vacant units | 21% | 10% | +10.2 pts |
| Burdened owners | 29% | 23% | +6.6 pts |
| Median home value | $122,200 | $205,600 | 41% lower |
| Median gross rent | $617/mo | $967/mo | 36% lower |
| Owners | 71% | 68% | +2.8 pts |
| Rent-burdened renters | 45% | 45% | -0.1 pts |
Employment and commuting in Clinton County
By the Census industry count, 24% of employed Clinton County residents work in education and health care and 16% in manufacturing. The sharpest difference from the state is in arts, lodging and food service, at 15% locally and 8% for Kentucky. Unemployment in Clinton County, ACS five-year: 5.0%; Kentucky: 4.9%. Long commutes are the exception here: 10% of workers spend 45 minutes or longer getting to work.
| Sector | Clinton County | Compared with Kentucky |
|---|---|---|
| Education and health care | 23.9% | -0.4 pts |
| Manufacturing | 15.6% | +1.3 pts |
| Arts, lodging and food service | 15.3% | +7.4 pts |
| Retail trade | 8.9% | -2.6 pts |
| Construction | 8.4% | +2.1 pts |
| Finance, insurance and real estate | 5.4% | -0.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What stands out in Clinton County
- Households without a vehicle: 3.3% in Clinton County. Only 10 of 120 Kentucky counties are lower. Nearly every household has a vehicle, so repair costs are a common reason to borrow.
- Few Kentucky counties match Clinton County on the housing vacancy rate: 21% here, 10% for the state, ranking 13th highest of 120. Many empty units can point to seasonal housing.
- On the share of commutes over 45 minutes, Clinton County sits near the bottom of Kentucky at 10%, 14th lowest of 120. Short commutes keep vehicle costs down, which can free up room for savings.
Counties near Clinton County
Distances run center to center, from Pickett County at 12 miles out to Fentress County at 27. Richest neighbor: Fentress County, $51,149. Poorest: Clay County, $39,972. Clinton County: $44,844. The list crosses into Tennessee, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Clinton County | - | $44,844 | $617/mo | 71% |
| Pickett County, TN | 12 mi | $49,030 | $564/mo | 83% |
| Cumberland County, KY | 14 mi | $40,000 | $523/mo | 76% |
| Wayne County, KY | 18 mi | $45,739 | $727/mo | 69% |
| Russell County, KY | 19 mi | $44,738 | $681/mo | 71% |
| Clay County, TN | 26 mi | $39,972 | $557/mo | 74% |
| Fentress County, TN | 27 mi | $51,149 | $709/mo | 83% |
Cities, towns and CDPs in Clinton County
Just one Census place, Albany, lies mainly within Clinton County; it holds about 1,896 people. Albany has no separate guide, so this county page serves it.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Albany | city | 1,896 | $44,007 | $480 | 3 mi |
Clinton County demographics against Kentucky
Bachelor's degree or higher: 18% of Clinton County adults. Health coverage gaps: 7.4% of Clinton County residents are uninsured.
| Clinton County | vs Kentucky | vs U.S. county median | |
|---|---|---|---|
| No high school diploma | 21.9% | +10.7 pts | n/a |
| Bachelor's or higher | 18.0% | -9.5 pts | -4.1 pts |
| Median age | 42.9 | +3.8 yrs | +1.4 yrs |
| No vehicle | 3.3% | -3.4 pts | -2.1 pts |
| Work from home | 7.3% | -2.9 pts | -1.4 pts |
| No health insurance | 7.4% | +1.4 pts | -0.4 pts |
| Poverty rate | 17.5% | +1.4 pts | +4.3 pts |
| Unemployment (ACS) | 5.0% | +0.1 pts | +0.6 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 42.6% |
| 15 to 29 min | 29.5% |
| 30 to 44 min | 18.3% |
| 45 to 59 min | 4.6% |
| 60+ min | 5.0% |
A Clinton County household budget, worked through
DTI math using Clinton County medians ($44,844 income, $617 rent):
- Monthly gross at the median, Clinton County: $3,737
- Rent at the median, $617, takes 17% of that
- 36% debt-to-income limit: $728 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Clinton County's.
Local borrowing considerations for Clinton County
The county's numbers point to a few situations that come up often for Clinton County borrowers.
- Repairs on manufactured housing. With 24% of homes here, compare a personal loan with any dealer or park repair program.
- Rent squeeze. 45% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Consolidating cards in Clinton County. Compare the total repaid, not the monthly figure (how).
Steps before you apply in Clinton County
Before you apply, wherever you live in Clinton County:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Clinton County-area credit union.
- Confirm the lender is licensed in Kentucky.
- Ask a Clinton County credit union about member loans.
Who licenses lenders for Clinton County residents
No county office licenses personal lenders. For Clinton County, check the Kentucky Department of Financial Institutions. If a Clinton County lender ignores a dispute, the CFPB complaint portal is the federal backstop. The Kentucky guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
How much do households in Clinton County earn?
The median is $44,844; 18% earn $100,000 or more and 37% under $35,000. A lender uses your own documented income, not this figure.
What is the median rent in Clinton County, KY?
$617 a month, utilities included, or $7,404 a year.
I own my home in Clinton County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 71% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Clinton County?
By population: Albany. The county has 1 Census place 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.