Life Skills and Money Education in Clearfield County, Pennsylvania

With a population of roughly 78,132, Clearfield County, Pennsylvania is the 36th-largest of 67 counties in Pennsylvania. It has lost residents since 2020, slipping 2.9% from 80,431 down to 78,132. With a median age of 45.6, the financial questions that matter most here lean toward retirement drawdown, insurance and estate basics.

Among adults 25 and older in Clearfield County, 20.1% hold a bachelor's degree or higher. That tracks the Pennsylvania average of 20.8% closely. Flip that figure and it describes 79.9% of the 58,882 adults 25 and over counted in the 2019–2023 ACS, about 47,047 people whose money skills came from somewhere other than a university.

Median household income is $60,181. About 13.8% of residents live below the poverty line. The median home is valued at $125,000, roughly 2.1× median household income.

Clearfield County by the numbers

Measure	Value
Population (2024)	78,132
Change since 2020	-2.9%
Median household income	$60,181
Adults 25+ with a bachelor’s degree	20.1%
Adults 25+ with a high school diploma	90.4%
Median age	45.6
Poverty rate	13.8%
Unemployment rate	5.8%
Median home value	$125,000
Land area	1,145.06 sq mi
Population density	68 / sq mi

What Pennsylvania teaches — and to whom

Pennsylvania has committed to 1 semester of personal finance as a graduation requirement, phasing in with the class of 2030 — so today's middle schoolers will be the first cohort held to it. That covers students still in the system. It does nothing for the adults already out of it — which, in Clearfield County, is most of the people reading this.

LearnLife organises this the way the decisions actually arrive: Emotional regulation — the self-management that decides whether the other skills ever get used; Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Legal literacy — leases, contracts, employment rights and what a signature actually commits you to.

Where to start in Clearfield County

Shift from accumulating to drawing down

With a median age of 45.6, a large share of Clearfield County is closer to drawing on savings than building them. The skills that matter shift accordingly: sequencing withdrawals, understanding Medicare's enrolment windows, and getting beneficiary designations and a will actually filled in.

Questions people ask about Clearfield County

Do high school students in Clearfield County, Pennsylvania have to take a personal finance class?

Yes — Pennsylvania has adopted a standalone requirement, phasing in with the graduating class of 2030. Students graduating before then are not covered.

How many adults in Clearfield County, Pennsylvania have a college degree?

20.1% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 79.9% are managing their finances without one.

What is the median household income in Clearfield County, Pennsylvania?

$60,181, per the Census Bureau's 2019–2023 American Community Survey.

Where can adults in Clearfield County, Pennsylvania learn personal finance?

Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.

Start with whichever one is costing you money right now.

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Population and demographic figures: U.S. Census Bureau — 2024 Gazetteer, Vintage 2024 Population Estimates, and the American Community Survey 2019–2023 5-year estimates. Graduation-requirement status: NGPF Live U.S. Dashboard, read 2026-09-14. Figures marked as unavailable are suppressed by the Census Bureau for small populations.