The typical owner-occupied home in Clearfield County is worth about $137,000, 46% below the Pennsylvania median of $254,500 and 59% below the national median of $332,700. Owners pay a median $1,500 a year in property taxes, about 1.09% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $62,152 a year, so the median home costs 2.2 times the median income (3.3 times for Pennsylvania). 79% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Clearfield County at a glance
| Clearfield County | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $137,000 | $254,500 | $332,700 |
| Median property tax paid per year | $1,500 | $3,311 | $3,119 |
| Property tax as a share of value | 1.09% | 1.30% | 0.94% |
| Median household income | $62,152 | $77,971 | $80,734 |
| Homes lived in by their owners | 79% | 69% | 65% |
| Owner homes with a mortgage | 45% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,223 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 17.7% | 19.4% | 21.0% |
| Median rent | $791 | $1,209 | $1,413 |
| Rent as a share of renters' income | 24.9% | 29.2% | 30.6% |
| Median year homes were built | 1970 | 1965 | 1980 |
| Vacant homes | 14.9% | 9.2% | 10.1% |
| Population | 78,635 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Clearfield County
At this week's average 30-year rate of 7.11%, buying the median Clearfield County home of $137,000 with 20% down costs about $919 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,147, 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 $39,378 for the 20%-down payment. That payment is 18% of the median Clearfield County household income of $62,152; at that income and 20% down, the 28% guideline points to a home of about $216,000.
The median rent here is $791 a month, so owning the median home costs about $128 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $27,400 |
|---|---|
| Loan amount | $109,600 |
| Principal and interest | $737 |
| Property taxes (1.09% a year) | $124 |
| Homeowners insurance (our estimate, 0.5% a year) | $57 |
| PMI | $0 |
| Total per month | $919 |
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| Down payment | $4,795 |
|---|---|
| Loan amount | $134,519 |
| Principal and interest | $905 |
| Property taxes (1.09% a year) | $124 |
| Homeowners insurance (our estimate, 0.5% a year) | $57 |
| FHA mortgage insurance | $61 |
| Total per month | $1,147 |
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Questions about home buying in Clearfield County
What is the median home value in Clearfield County?
About $137,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Clearfield County?
Homeowners pay a median $1,500 a year, which is about 1.09% 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 Clearfield County?
For the median home with 20% down at 7.11%, the payment is about $919 a month. Keeping that under 28% of gross income takes about $39,378 a year.
More about Clearfield County
- Mortgage Refinance in Clearfield County
- Debt Relief in Clearfield County
- Home Equity Loans in Clearfield County
- 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