1st Advantage MortgageThe median Clinton County household earns $60,816, and 15% of residents live below the poverty line. Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Clinton County applicant for an upfront fee.
On this page
- Who lives in Clinton County
- Where Clinton County households live
- Work, industries and travel time in Clinton County
- Household income in Clinton County
- Clinton County's most unusual numbers
- Census places in Clinton County
- Nearby counties: income, rent, ownership
- $5,068 a month: the Clinton County median budget
- Reading the Clinton County data as a borrower
- Age, degrees and coverage in Clinton County
- Steps before you apply in Clinton County
- Licensing and complaints for Clinton County
- Other Pennsylvania guides
- Frequently asked questions
Who lives in Clinton County
With an estimated 37,798 residents (ACS 2020 to 2024), Clinton County ranks 56th of 67 in Pennsylvania for population. It covers 890 square miles of land, or about 42 people per square mile. Clinton County is classed as nonmetropolitan in the OMB's July 2023 list. Largest place: Lock Haven, about 8,447 residents (22% of Clinton County); 19 Census places in all.
Where Clinton County households live
Renters in Clinton County pay a median of $820 a month, 32% below the Pennsylvania figure of $1,209. By the Census definition, 43% of Clinton County renters are cost-burdened. Clinton County homes are worth $175,900 at the median, a 2.9-to-1 ratio to income. Homeowners 72%, renters 28%. Nationally, Clinton County's $820 rent is 6% below the middle county.
| Home costs | Clinton County | Pennsylvania | Compared with Pennsylvania |
|---|---|---|---|
| Vacant units | 17% | 9% | +8.0 pts |
| Rent-burdened renters | 43% | 48% | -4.9 pts |
| Mobile homes | 8.0% | 3.5% | +4.5 pts |
| Median gross rent | $820/mo | $1,209/mo | 32% lower |
| Median home value | $175,900 | $254,500 | 31% lower |
| Owners | 72% | 69% | +3.0 pts |
| Burdened owners | 24% | 24% | +0.1 pts |
With 72% of Clinton County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
Work, industries and travel time in Clinton County
By the Census industry count, 24% of employed Clinton County residents work in education and health care and 16% in manufacturing. Clinton County over-indexes on manufacturing: 16% versus 11% in Pennsylvania. Averaged over the five survey years, 5.6% of the labor force was out of work and looking. 41% of Clinton County workers get to work in under 15 minutes, while 15% need 45 or more.
| Industry | Share of Clinton County workers | vs Pennsylvania |
|---|---|---|
| Education and health care | 24.4% | -2.3 pts |
| Manufacturing | 15.9% | +4.5 pts |
| Retail trade | 10.9% | -0.2 pts |
| Construction | 8.9% | +2.9 pts |
| Professional and administrative services | 8.8% | -2.5 pts |
| Arts, lodging and food service | 6.9% | -0.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Household income in Clinton County
The median household income in Clinton County is $60,816; statewide it is $77,971, so Clinton County runs 22% below Pennsylvania as a whole.
| Band | Clinton County | Compared with Pennsylvania |
|---|---|---|
| Under $35,000 | 28.3% | +6.3 pts |
| $35,000 to $99,999 | 43.8% | +4.7 pts |
| $100,000 to $199,999 | 22.7% | -4.3 pts |
| $200,000 or more | 5.1% | -6.7 pts |
28% under $35,000 and 28% at $100,000 or more: that is the Clinton County income split. Census counts 14.8% of Clinton County residents in poverty, against 11.7% across Pennsylvania. Income inequality, measured by the Gini index, comes to 0.432 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Clinton County's most unusual numbers
- Clinton County ranks 5th highest of 67 Pennsylvania counties for the uninsured rate: 10.5%, against 5.6% statewide. Hospital payment plans are usually interest-free; compare before a loan.
- Few Pennsylvania counties match Clinton County on median age: 39.8 here, 40.9 for the state, ranking 7th lowest of 67. Younger borrowers often have thin credit files; a co-signer or credit union may help.
- Clinton County ranks 7th highest of 67 Pennsylvania counties for the poverty rate: 14.8%, against 11.7% statewide. Nonprofit credit counseling is free or low cost and worth a call first.
- Population: 37,798 in Clinton County. Only 11 of 67 Pennsylvania counties are lower. In a small county, the nearest lender may not be the best; compare online offers too.
Census places in Clinton County
21,615 of Clinton County's 37,798 residents live in its 19 Census places (57%); the 14 largest are listed. Gap between richest and poorest larger place: $61,034, Rote over Renovo. Lock Haven and every other Clinton County community use this county guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Lock Haven | city | 8,447 | $46,102 | $792 | 12 mi |
| Mill Hall | borough | 1,364 | $54,333 | $947 | 12 mi |
| Dunnstown | CDP | 1,331 | $88,194 | $1,084 | 12 mi |
| Flemington | borough | 1,322 | $53,824 | $755 | 11 mi |
| Avis | borough | 1,171 | $60,625 | $825 | 17 mi |
| Castanea | CDP | 1,138 | $63,229 | $969 | 13 mi |
| Renovo | borough | 1,045 | $27,716 | $682 | 9 mi |
| McElhattan | CDP | 1,036 | $71,250 | $861 | 16 mi |
| Woolrich | CDP | 815 | $62,895 | $2,163 | 14 mi |
| Beech Creek | borough | 678 | $56,111 | $525 | 12 mi |
| Lamar | CDP | 570 | $66,400 | n/a | 17 mi |
| Rote | CDP | 501 | $88,750 | $925 | 16 mi |
| Farwell | CDP | 429 | $49,467 | $983 | 8 mi |
| South Renovo | borough | 409 | $42,083 | $988 | 8 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Nearby counties: income, rent, ownership
Six nearby counties, 25 to 41 miles away by the straight-line distance between their centers. Clinton County's $60,816 median trails 4 of the six and beats 2; the range runs $50,573 (Cameron County) to $76,404 (Union County).
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Clinton County | - | $60,816 | $820/mo | 72% |
| Centre County, PA | 25 mi | $74,291 | $1,207/mo | 62% |
| Lycoming County, PA | 31 mi | $63,917 | $913/mo | 69% |
| Cameron County, PA | 33 mi | $50,573 | $689/mo | 72% |
| Union County, PA | 35 mi | $76,404 | $974/mo | 72% |
| Potter County, PA | 38 mi | $59,020 | $809/mo | 80% |
| Tioga County, PA | 41 mi | $64,899 | $863/mo | 77% |
$5,068 a month: the Clinton County median budget
DTI math using Clinton County medians ($60,816 income, $820 rent):
- $5,068 a month: gross income for a household at the Clinton County median
- Rent at the median, $820, takes 16% of that
- Under a 36% cap, $1,824 total minus rent leaves $1,004
- 43% debt-to-income limit: $1,359 left for all other debt payments
If your rent is above $820, the room shrinks dollar for dollar.
Reading the Clinton County data as a borrower
- Health costs. With 10% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Age, degrees and coverage in Clinton County
College graduates make up 22% of the adult population. 10.5% of residents have no health coverage.
| Measure | Clinton County | Gap to Pennsylvania | Gap to typical U.S. county |
|---|---|---|---|
| Median age | 39.8 | -1.1 yrs | -1.7 yrs |
| Bachelor's or higher | 21.5% | -13.7 pts | -0.7 pts |
| No high school diploma | 9.7% | +1.8 pts | n/a |
| No health insurance | 10.5% | +4.9 pts | +2.6 pts |
| No vehicle | 9.0% | -1.5 pts | +3.5 pts |
| Work from home | 9.2% | -6.4 pts | +0.5 pts |
| Poverty rate | 14.8% | +3.1 pts | +1.6 pts |
| Unemployment (ACS) | 5.6% | +0.4 pts | +1.2 pts |
| Minutes to work | Clinton County workers |
|---|---|
| Under 15 min | 41.0% |
| 15 to 29 min | 27.7% |
| 30 to 44 min | 16.5% |
| 45 to 59 min | 7.7% |
| 60+ min | 7.1% |
Steps before you apply in Clinton County
A short checklist for Clinton County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Pennsylvania license check takes minutes; do it first.
- Ask about early-payoff penalties.
Licensing and complaints for Clinton County
Before sharing details with a lender, a Clinton County resident can confirm its license with the Pennsylvania Department of Banking and Securities. Nationally, Clinton County residents can file with the CFPB. The Pennsylvania page has statewide figures to set beside Clinton County's.
Other Pennsylvania guides
For statewide rules and data, see the Pennsylvania guide.
Frequently asked questions
How much do households in Clinton County earn?
The median is $60,816; 28% earn $100,000 or more and 28% under $35,000. A lender uses your own documented income, not this figure.
Is Clinton County expensive for renters?
Median rent is $820 against $1,209 statewide, and 43% of renter households are cost-burdened.
I live near Lock Haven. Which guide is mine?
This one. Lock Haven and the rest of Clinton County have no separate city guide.
Is the fit check different in Clinton County?
No. It is identical everywhere, and it never looks at your neighborhood.
What agency protects Clinton County borrowers?
The Pennsylvania Department of Banking and Securities at the state level and the CFPB federally.