The typical owner-occupied home in Clifford is worth about $125,900, 42% below the Indiana median of $218,200 and 62% below the national median of $332,700. Owners pay a median $563 a year in property taxes, about 0.45% of their home's value, lower than the Indiana rate of 0.74%. The median household earns $58,750 a year, so the median home costs 2.1 times the median income (3.0 times for Indiana). 42% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
Clifford at a glance
| Clifford | Indiana | U.S. | |
|---|---|---|---|
| Median home value | $125,900 | $218,200 | $332,700 |
| Median property tax paid per year | $563 | $1,614 | $3,119 |
| Property tax as a share of value | 0.45% | 0.74% | 0.94% |
| Median household income | $58,750 | $71,957 | $80,734 |
| Homes lived in by their owners | 42% | 71% | 65% |
| Owner homes with a mortgage | 30% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $788 | $1,404 | $1,963 |
| Those costs as a share of the owners' income | 13.8% | 18.1% | 21.0% |
| Median rent | $776 | $1,062 | $1,413 |
| Rent as a share of renters' income | 13.1% | 29.1% | 30.6% |
| Median year homes were built | 1965 | 1976 | 1980 |
| Vacant homes | 22.1% | 8.8% | 10.1% |
| Population | 165 | 6,851,073 | 334,922,499 |
What a typical home costs per month in Clifford
At this week's average 30-year rate of 7.11%, buying the median Clifford home of $125,900 with 20% down costs about $777 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $987, 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 $33,309 for the 20%-down payment. That payment is 16% of the median Clifford household income of $58,750; at that income and 20% down, the 28% guideline points to a home of about $222,000.
The median rent here is $776 a month, so owning the median home costs about $1 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $25,180 |
|---|---|
| Loan amount | $100,720 |
| Principal and interest | $678 |
| Property taxes (0.45% a year) | $47 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $777 |
Change the numbers in the calculator
| Down payment | $4,406 |
|---|---|
| Loan amount | $123,620 |
| Principal and interest | $832 |
| Property taxes (0.45% a year) | $47 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $56 |
| Total per month | $987 |
Change the numbers in the calculator
Questions about home buying in Clifford
What is the median home value in Clifford?
About $125,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Clifford?
Homeowners pay a median $563 a year, which is about 0.45% 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 Clifford?
For the median home with 20% down at 7.11%, the payment is about $777 a month. Keeping that under 28% of gross income takes about $33,309 a year.
More about Clifford
- Mortgage Refinance in Clifford
- Debt Relief in Clifford
- Home Equity Loans in Clifford
- 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