The typical owner-occupied home in Clifford is worth about $104,200, 58% below the North Dakota median of $249,900 and 69% below the national median of $332,700. Owners pay a median $1,000 a year in property taxes, about 0.96% of their home's value, close to the North Dakota rate of 0.99%. 74% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Clifford at a glance
| Clifford | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $104,200 | $249,900 | $332,700 |
| Median property tax paid per year | $1,000 | $2,468 | $3,119 |
| Property tax as a share of value | 0.96% | 0.99% | 0.94% |
| Median household income | – | $76,657 | $80,734 |
| Homes lived in by their owners | 74% | 63% | 65% |
| Owner homes with a mortgage | 0% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,762 | $1,963 |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1938 | 1982 | 1980 |
| Vacant homes | 0.0% | 12.3% | 10.1% |
| Population | 54 | 784,841 | 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 $104,200 with 20% down costs about $688 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $861, 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 $29,466 for the 20%-down payment.
| Down payment | $20,840 |
|---|---|
| Loan amount | $83,360 |
| Principal and interest | $561 |
| Property taxes (0.96% a year) | $83 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| PMI | $0 |
| Total per month | $688 |
Change the numbers in the calculator
| Down payment | $3,647 |
|---|---|
| Loan amount | $102,313 |
| Principal and interest | $688 |
| Property taxes (0.96% a year) | $83 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| FHA mortgage insurance | $46 |
| Total per month | $861 |
Change the numbers in the calculator
Questions about home buying in Clifford
What is the median home value in Clifford?
About $104,200 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 $1,000 a year, which is about 0.96% 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 $688 a month. Keeping that under 28% of gross income takes about $29,466 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