1st Advantage MortgageClinton County households have a median income of $70,407 and median rent of $910 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Ohio license first.
On this page
- Who lives in Clinton County
- How much Clinton County households make
- How Clinton County residents earn a living
- What it costs to live in Clinton County
- Cities, towns and CDPs in Clinton County
- Regional comparison for Clinton County
- What a median Clinton County budget can carry
- People and households in Clinton County
- Local borrowing considerations for Clinton County
- Steps before you apply in Clinton County
- Lender oversight for Clinton County
- Related local guides
- Frequently asked questions
Who lives in Clinton County
Roughly 42,012 residents live in Clinton County, Ohio, 59th by population among the state's 88 counties and county equivalents. It covers 409 square miles of land, or about 103 people per square mile. No metropolitan area includes Clinton County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Wilmington is the biggest of its 8 Census places, at roughly 12,620 people (30% of the county total).
How much Clinton County households make
Half of Clinton County households take in less than $70,407 a year and half take in more, about the same as the Ohio median of $71,389. That places it 38th among Ohio's 88 county-level areas.
| Household income | Clinton County | vs Ohio |
|---|---|---|
| Under $35,000 | 25.2% | +1.4 pts |
| $35,000 to $99,999 | 42.2% | +0.6 pts |
| $100,000 to $199,999 | 26.0% | +0.6 pts |
| $200,000 or more | 6.5% | -2.6 pts |
The spread is wide: 33% of Clinton County households make $100,000 or more, and 25% make less than $35,000. The poverty rate is 12.9%, the same as the state's 13.3%. The Gini index of income inequality is 0.449 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Clinton County median.
How Clinton County residents earn a living
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 18%. Transportation, warehousing and utilities stands out: 10% of workers here, versus 6% statewide. Averaged over the five survey years, 4.5% of the labor force was out of work and looking. About 80% drive to work alone and 18% have trips of 45 minutes or more.
| Sector | Clinton County | Compared with Ohio |
|---|---|---|
| Education and health care | 22.0% | -2.3 pts |
| Manufacturing | 17.7% | +3.1 pts |
| Retail trade | 11.9% | +0.8 pts |
| Transportation, warehousing and utilities | 10.2% | +4.3 pts |
| Professional and administrative services | 8.4% | -1.9 pts |
| Construction | 6.7% | +0.8 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
What it costs to live in Clinton County
A typical Clinton County rental runs $910 a month including utilities, which is 12% below Ohio. 39% of renting households spend 30% or more of income on rent, and 23% spend half or more. Home values center on $211,900, or 3.0 years of median income. Owners occupy 72% of homes. Median construction year: 1977.
| Cost | Clinton County | Ohio figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $910/mo | $1,034/mo | $877/mo |
| Median home value | $211,900 | $214,800 | $185,300 |
| Owners | 72% | 67% | 75% |
| Rent-burdened renters | 39% | 46% | 45% |
| Burdened owners | 19% | 21% | n/a |
| Mobile homes | 6.5% | 3.4% | n/a |
| Vacant units | 7% | 8% | n/a |
Cities, towns and CDPs in Clinton County
The table lists the 8 largest of 8 Census places in Clinton County, by population. Together all 8 hold about 22,543 people, so roughly 46% of residents live outside any named place. Incomes vary by place: $63,611 at the median in Clarksville, $48,750 in Sabina. Live in one of these Clinton County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Wilmington | city | 12,620 | $57,199 | $909 | 1 mi |
| Blanchester | village | 4,538 | $54,583 | $919 | 12 mi |
| Sabina | village | 2,734 | $48,750 | $828 | 10 mi |
| New Vienna | village | 1,214 | $60,962 | $786 | 9 mi |
| Clarksville | village | 573 | $63,611 | $1,064 | 10 mi |
| Martinsville | village | 352 | $44,732 | $900 | 6 mi |
| Midland | village | 337 | $55,000 | $829 | 9 mi |
| Port William | village | 175 | $48,750 | $850 | 9 mi |
Regional comparison for Clinton County
Greene County is closest, 19 miles from center to center; the sixth, Brown County, is 34 miles off. Warren County leads the group on income ($110,132), Fayette County trails ($63,275), and Clinton County out-earns 2 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Clinton County | - | $70,407 | $910/mo | 72% |
| Greene County, OH | 19 mi | $87,309 | $1,135/mo | 68% |
| Highland County, OH | 19 mi | $65,785 | $780/mo | 74% |
| Warren County, OH | 20 mi | $110,132 | $1,361/mo | 79% |
| Fayette County, OH | 21 mi | $63,275 | $822/mo | 65% |
| Clermont County, OH | 31 mi | $85,510 | $1,107/mo | 74% |
| Brown County, OH | 34 mi | $71,270 | $817/mo | 77% |
What a median Clinton County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Clinton County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Clinton County: $5,867
- Rent at the median, $910, takes 16% of that
- With a 40% ceiling, about $1,437 remains for car, card, student and any new loan payments
Two-income households and single earners in Clinton County land in very different places on this math, so run it for your own budget.
People and households in Clinton County
Degree holders: 19% of adults over 25. About 6% go without health insurance.
| Clinton County | Ohio | U.S. county median | |
|---|---|---|---|
| Median age | 40.8 | 39.7 | 41.5 |
| Bachelor's or higher | 19.3% | 31.5% | 22.2% |
| No high school diploma | 7.6% | 8.2% | n/a |
| No health insurance | 6.0% | 6.4% | 7.8% |
| No vehicle | 4.8% | 7.5% | 5.4% |
| Work from home | 7.8% | 13.0% | 8.7% |
| Poverty rate | 12.9% | 13.3% | 13.2% |
| Unemployment (ACS) | 4.5% | 4.8% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 34.8% |
| 15 to 29 min | 28.9% |
| 30 to 44 min | 18.0% |
| 45 to 59 min | 10.9% |
| 60+ min | 7.4% |
Local borrowing considerations for Clinton County
The county's numbers point to a few situations that come up often for Clinton County borrowers.
- Commuter costs. 18% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Steps before you apply in Clinton County
A short checklist for Clinton County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Lender oversight for Clinton County
The Ohio Division of Financial Institutions is the place to verify any lender's Ohio license. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Ohio guide.
Related local guides
The Ohio guide covers the whole state.
Frequently asked questions
What does a typical Clinton County household make?
About $70,407 a year at the median (ACS 2020-24).
How much is rent in Clinton County?
Median gross rent, utilities included, is $910 a month; 39% of renters spend 30% or more of income on it.
Should Clinton County homeowners use home equity instead?
Maybe, but weigh the risk: 72% of Clinton County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Wilmington?
Yes, along with the other 7 Census places in Clinton County, such as Blanchester, Sabina, New Vienna.
Can Clinton County residents use the questionnaire?
Yes. It asks the same questions in every Ohio county, lists every requirement up front and does not affect your credit score.