Debt and insolvency figures for Clackmannanshire, from Accountant in Bankruptcy, the Money and Pensions Service, StepChange, the British Business Bank and the ONS.
15
Personal insolvency rate 2025/26
The rate of personal insolvencies in Clackmannanshire was 15 per 10,000 adults aged 16 and over in 2025-26.
Source: Scottish Statutory Debt Solutions - Annual Statistics: 2025-26, Local Authority Table 1, Accountant in Bankruptcy, 2025/26
Financial year (April to March), by local authority area. Rates are per 10,000 adults aged 16 and over and are rounded to whole numbers by the publisher; the Scotland total is as published in the same table and includes cases with an unknown area.
4
Bankruptcy rate
The rate of awards of bankruptcy in Clackmannanshire was 4 per 10,000 adults aged 16 and over in 2025-26.
Source: Scottish Statutory Debt Solutions - Annual Statistics: 2025-26, Local Authority Table 2, Accountant in Bankruptcy, 2025/26
Financial year (April to March), by local authority area. Rates are per 10,000 adults aged 16 and over and are rounded to whole numbers by the publisher; the Scotland total is as published in the same table and includes cases with an unknown area.
11
Protected trust deed rate
The rate of protected trust deeds registered in Clackmannanshire was 11 per 10,000 adults aged 16 and over in 2025-26.
Source: Scottish Statutory Debt Solutions - Annual Statistics: 2025-26, Local Authority Table 3, Accountant in Bankruptcy, 2025/26
Financial year (April to March), by local authority area. Rates are per 10,000 adults aged 16 and over and are rounded to whole numbers by the publisher; the Scotland total is as published in the same table and includes cases with an unknown area.
15
Debt payment programme rate
The rate of Debt Arrangement Scheme debt payment programmes approved in Clackmannanshire was 15 per 10,000 adults aged 16 and over in 2025-26.
Source: Scottish Statutory Debt Solutions - Annual Statistics: 2025-26, Local Authority Table 4, Accountant in Bankruptcy, 2025/26
Financial year (April to March), by local authority area. Rates are per 10,000 adults aged 16 and over and are rounded to whole numbers by the publisher; the Scotland total is as published in the same table and includes cases with an unknown area.
13.02%
Need for debt advice
An estimated 13.02% of adults in Clackmannanshire needed debt advice in 2022.
Source: Need for Debt Advice in the UK - 2022: Lower-Tier Local Authority estimates, Money and Pensions Service, 2022
Lower-tier local authority estimate; LA code S12000005; region or nation as published: Scotland. Small area model estimate from the 2022 debt need survey, released 28 September 2023; the file says confidence intervals are around 5 to 6 percentage points wide at both limits. Workbook value 0.1302.
1.1%
Where clients live
1.1% of new clients in Scotland completing first-time debt advice at StepChange lived in Clackmannanshire in 2025.
Source: Scotland in the Red 2025 dataset, StepChange, 2025
Scotland in the Red 2025 dataset; calendar year; new Scottish clients who completed a full first-time debt advice session (8,778 clients in 2025); all-clients columns used, vulnerable-client columns not extracted. Share is of all Scottish clients in the year.
£19,253
Average unsecured debt, clients
New clients completing first-time debt advice at StepChange who lived in Clackmannanshire had an average unsecured debt balance of £19,253 in 2025.
Source: Scotland in the Red 2025 dataset, StepChange, 2025
Scotland in the Red 2025 dataset; calendar year; new Scottish clients who completed a full first-time debt advice session (8,778 clients in 2025); all-clients columns used, vulnerable-client columns not extracted. Share is of all Scottish clients in the year.
£6,042
Average arrears, clients
New clients completing first-time debt advice at StepChange who lived in Clackmannanshire had an average arrears balance of £6,042 in 2025.
Source: Scotland in the Red 2025 dataset, StepChange, 2025
Scotland in the Red 2025 dataset; calendar year; new Scottish clients who completed a full first-time debt advice session (8,778 clients in 2025); all-clients columns used, vulnerable-client columns not extracted. Share is of all Scottish clients in the year.
66
Personal insolvencies
There were 66 personal insolvencies in Clackmannanshire in 2025-26.
Source: Scottish Statutory Debt Solutions - Annual Statistics: 2025-26, Local Authority Table 1, Accountant in Bankruptcy, 2025/26
Financial year (April to March), by local authority area. The Scotland total is as published in the same table and includes cases with an unknown area.
632
Covid loans offered
By the schemes' close in 2021, lenders had offered 632 loans in Clackmannanshire under the Coronavirus Business Interruption Loan Scheme and Bounce Back Loan Scheme.
Source: Final CBILS and BBLS scheme breakdowns by geography and sector, British Business Bank, July 2021
Loans 'offered' as counted by the publisher; scheme management information from lenders; the publisher notes offered figures can differ from HM Treasury approved figures. Coronavirus Large Business Interruption Loan Scheme data are not included in the workbook. County: Scotland. District as spelled in the workbook, which uses the boundaries in force in 2021.
£24.7m
Covid loans offered, value
By the schemes' close in 2021, loans offered in Clackmannanshire were worth £24.73 million under the Coronavirus Business Interruption Loan Scheme and Bounce Back Loan Scheme.
Source: Final CBILS and BBLS scheme breakdowns by geography and sector, British Business Bank, July 2021
Loans 'offered' as counted by the publisher; scheme management information from lenders; the publisher notes offered figures can differ from HM Treasury approved figures. Coronavirus Large Business Interruption Loan Scheme data are not included in the workbook. County: Scotland. District as spelled in the workbook, which uses the boundaries in force in 2021.
33
Personal insolvency rate 2019/20
The rate of personal insolvencies in Clackmannanshire was 33 per 10,000 adults aged 16 and over in 2019-20.
Source: Scottish Statutory Debt Solutions - Annual Statistics: 2025-26, Local Authority Table 1, Accountant in Bankruptcy, 2019/20
Financial year (April to March), by local authority area. Rates are per 10,000 adults aged 16 and over and are rounded to whole numbers by the publisher; the Scotland total is as published in the same table and includes cases with an unknown area.
43,233
Residents aged 16 and over
The estimated population aged 16 and over in Clackmannanshire was 43,233 at mid-2025.
Source: Population estimates - local authority based by single year of age (Nomis NM_2002_1), mid-year estimates, Office for National Statistics, 30 June 2025
ONS mid-2025 population estimates (published 29 July 2026 for England and Wales; Scotland and Northern Ireland as carried in the same Nomis table), local authority boundaries as of April 2023, usual residents, as returned by the Nomis 'Aged 16+' category.
£171,154
Average house price
The average house price in Clackmannanshire was £171,154 in August 2026.
Source: UK House Price Index: monthly price statistics, worksheet 10 (Scotland local authority values), Office for National Statistics, August 2026
UK House Price Index, all property types, not seasonally adjusted, rounded to the nearest pound. Data collected by HM Land Registry and Registers of Scotland (Northern Ireland quarterly, from Land and Property Services). Latest two months may be revised.