The typical owner-occupied home in Clam Gulch is worth about $285,000, 19% below the Alaska median of $352,900 and 14% below the national median of $332,700. Owners pay a median $1,750 a year in property taxes, about 0.61% of their home's value, lower than the Alaska rate of 1.11%. The median household earns $91,875 a year, so the median home costs 3.1 times the median income (3.8 times for Alaska). 96% of occupied homes here are lived in by their owners, and 23% of those owners still have a mortgage.
Clam Gulch at a glance
| Clam Gulch | Alaska | U.S. | |
|---|---|---|---|
| Median home value | $285,000 | $352,900 | $332,700 |
| Median property tax paid per year | $1,750 | $3,901 | $3,119 |
| Property tax as a share of value | 0.61% | 1.11% | 0.94% |
| Median household income | $91,875 | $92,788 | $80,734 |
| Homes lived in by their owners | 96% | 67% | 65% |
| Owner homes with a mortgage | 23% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $2,125 | $2,229 | $1,963 |
| Those costs as a share of the owners' income | 16.3% | 21.6% | 21.0% |
| Median rent | – | $1,419 | $1,413 |
| Median year homes were built | 1995 | 1986 | 1980 |
| Vacant homes | 33.9% | 17.6% | 10.1% |
| Population | 238 | 735,706 | 334,922,499 |
What a typical home costs per month in Clam Gulch
At this week's average 30-year rate of 7.11%, buying the median Clam Gulch home of $285,000 with 20% down costs about $1,797 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,272, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $77,031 for the 20%-down payment. That payment is 23% of the median Clam Gulch household income of $91,875; at that income and 20% down, the 28% guideline points to a home of about $340,000.
| Down payment | $57,000 |
|---|---|
| Loan amount | $228,000 |
| Principal and interest | $1,534 |
| Property taxes (0.61% a year) | $145 |
| Homeowners insurance (our estimate, 0.5% a year) | $119 |
| PMI | $0 |
| Total per month | $1,797 |
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| Down payment | $9,975 |
|---|---|
| Loan amount | $279,838 |
| Principal and interest | $1,882 |
| Property taxes (0.61% a year) | $145 |
| Homeowners insurance (our estimate, 0.5% a year) | $119 |
| FHA mortgage insurance | $126 |
| Total per month | $2,272 |
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Questions about home buying in Clam Gulch
What is the median home value in Clam Gulch?
About $285,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Clam Gulch?
Homeowners pay a median $1,750 a year, which is about 0.61% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Clam Gulch?
For the median home with 20% down at 7.11%, the payment is about $1,797 a month. Keeping that under 28% of gross income takes about $77,031 a year.
More about Clam Gulch
- Mortgage Refinance in Clam Gulch
- Debt Relief in Clam Gulch
- Home Equity Loans in Clam Gulch
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data