The typical owner-occupied home in Clearfield is worth about $373,900, 24% below the Utah median of $489,400 and 12% above the national median of $332,700. Owners pay a median $2,063 a year in property taxes, about 0.55% of their home's value, higher than the Utah rate of 0.52%. The median household earns $75,495 a year, so the median home costs 5.0 times the median income (5.1 times for Utah). 59% of occupied homes here are lived in by their owners, and 74% of those owners still have a mortgage.
Clearfield at a glance
| Clearfield | Utah | U.S. | |
|---|---|---|---|
| Median home value | $373,900 | $489,400 | $332,700 |
| Median property tax paid per year | $2,063 | $2,525 | $3,119 |
| Property tax as a share of value | 0.55% | 0.52% | 0.94% |
| Median household income | $75,495 | $95,166 | $80,734 |
| Homes lived in by their owners | 59% | 70% | 65% |
| Owner homes with a mortgage | 74% | 69% | 61% |
| Median monthly costs, owners with a mortgage | $1,611 | $2,009 | $1,963 |
| Those costs as a share of the owners' income | 19.7% | 20.5% | 21.0% |
| Median rent | $1,579 | $1,496 | $1,413 |
| Rent as a share of renters' income | 31.6% | 28.9% | 30.6% |
| Median year homes were built | 1989 | 1992 | 1980 |
| Vacant homes | 6.4% | 8.1% | 10.1% |
| Population | 33,523 | 3,392,331 | 334,922,499 |
What a typical home costs per month in Clearfield
At this week's average 30-year rate of 7.11%, buying the median Clearfield home of $373,900 with 20% down costs about $2,339 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,962, 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 $100,258 for the 20%-down payment. That payment is 37% of the median Clearfield household income of $75,495; at that income and 20% down, the 28% guideline points to a home of about $282,000.
The median rent here is $1,579 a month, so owning the median home costs about $760 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $74,780 |
|---|---|
| Loan amount | $299,120 |
| Principal and interest | $2,012 |
| Property taxes (0.55% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| PMI | $0 |
| Total per month | $2,339 |
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| Down payment | $13,086 |
|---|---|
| Loan amount | $367,128 |
| Principal and interest | $2,470 |
| Property taxes (0.55% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| FHA mortgage insurance | $165 |
| Total per month | $2,962 |
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Questions about home buying in Clearfield
What is the median home value in Clearfield?
About $373,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Clearfield?
Homeowners pay a median $2,063 a year, which is about 0.55% 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?
For the median home with 20% down at 7.11%, the payment is about $2,339 a month. Keeping that under 28% of gross income takes about $100,258 a year.
More about Clearfield
- Mortgage Refinance in Clearfield
- Debt Relief in Clearfield
- Home Equity Loans in Clearfield
- 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