Español

Este sitio también está en español. Leer en español

City · 8,886 residents · Sonoma County, California

Cloverdale , California

In Cloverdale, a typical home is worth $619,400 and typical rent is $1,435 a month. Compared with all of Sonoma County, typical rent is 34% lower, the typical home value is 24% lower, and the share of households that own their home is 9 points higher.

WhatsApp

  • Typical home value

    $619,400

    24% below the county

    16% below California

    • Cloverdale
    • Sonoma
    • California

  • Typical rent

    $1,435a month

    34% below the county

    30% below California

    • Cloverdale
    • Sonoma
    • California

  • Typical household income

    $117,177a year

    12% above the county

    18% above California

    • Cloverdale
    • Sonoma
    • California

  • Households that own their home

    72%

    9 points above the county

    16 points above California

    • Cloverdale
    • Sonoma
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$629,279
1.1% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cloverdale is in Sonoma County. The FHA loan limit ($897,000 for a one-unit home), the fair market rents and the help on this page are those of all of Sonoma County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cloverdale apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Clearlake, the typical home value is $214,200: 65% less than in Cloverdale ($619,400).

  2. The typical rent in Cloverdale is $1,435 a month, 34% less than in Sonoma County as a whole ($2,158).

  3. Nearby, in Lakeport, the typical rent is $1,063: 26% less than in Cloverdale ($1,435).

  4. The typical home in Cloverdale is worth $619,400, 24% less than in Sonoma County as a whole ($815,500).

  5. Cloverdale has the 40th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (41%).

  6. 72% of households in Cloverdale own their home, against 63% in Sonoma County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cloverdale

What homes there are in Cloverdale, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 70% of homes here, against 67% in Sonoma County.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,787 a month

Sonoma County: $3,040 a month

Without a mortgage

$804 a month

Sonoma County: $927 a month

Owners with a mortgage

77%

Sonoma County: 66%

Owning costs less in Cloverdale: with a mortgage, the typical cost is $2,787 a month; in Sonoma County, $3,040. Without one, $804.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Cloverdale gained value more slowly than in Sonoma County: 30% since 2015–2019, against 34%.

Rent in Cloverdale moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCloverdaleSonoma CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.7%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate4.8%8.2%3.4%
People per household 2.552.492.842.53
Drive alone 78%69%66%69%
Carpool 7%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 13%16%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Cloverdale look like those in Sonoma County: 2.55 people on average.

To get to work, 78% of workers in Cloverdale drive alone; in Sonoma County, 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cloverdale?

A typical home costs more than the typical income allows

We start with a typical home in Cloverdale, worth $619,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Cloverdale, which is $117,177 a year. For that payment to be 28% of income, a household would need to earn about $215,744 a year.

The calculator's FHA and conventional loan limits are those of all of Sonoma County.

Your numbers

Local data
$

Starts at the typical home value in Cloverdale. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $21,679 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,034

at 7.18% · 30 years

Loan amount
$608,181
Total interest
$875,030
Paid off in
November 2056

Includes $10,460 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,734 a month

  • Tight

    $2,734 to $3,515 a month

  • Hard

    more than $3,515 a month

    Your payment · 52%

Compared with the typical household income in Cloverdale ($117,177 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,034
Principal & interest$4,120
Property tax$382
Home insurance$258
FHA mortgage insurance (MIP)$274

You need at least $21,679 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cloverdale and Sonoma County

Cloverdale is in Sonoma County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cloverdale's own numbers

Typical home value
$619,400
Typical monthly rent
$1,435
Typical yearly household income
$117,177
Households that own their home
72%
Effective property tax rate
0.74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Sonoma County

FHA limit, one-unit home
$897,000
Conventional limit, one unit
$897,000
HUD fair market rent, 2 bedrooms
$2,819
Price change over 5 years (FHFA)
+25%
Homes in a high flood-risk zone
2.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Sonoma County.

Everything about Sonoma County

Buying

Buying a home in Cloverdale

A typical home in Cloverdale is worth $619,400: 24% below the county and 16% below California. With the typical household income in Cloverdale ($117,177 a year), a typical home costs 5.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cloverdale 5.3 years
  • Sonoma 7.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sonoma County

According to FHFA’s house price index, home prices in Sonoma County rose 60% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Sonoma County.

Period County California U.S.
Last year (2025) +0.5% +0.8% +2.9%
5 years (2020–2025) +25% +40% +47%
10 years (2015–2025) +60% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cloverdale next to Sonoma County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cloverdale $619,400
  • Sonoma $815,500
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Cloverdale $1,435
  • Sonoma $2,158
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Cloverdale $117,177
  • Sonoma $104,674
  • California $99,122
  • United States $80,734
See the full table
Cloverdale next to Sonoma County and California
Measure Cloverdale Sonoma County California U.S.
Typical home value $619,400 $815,500 $734,700 $332,700
Typical monthly rent $1,435 $2,158 $2,036 $1,413
Typical yearly household income $117,177 $104,674 $99,122 $80,734
Households that own their home 72% 63% 56% 65%
Typical yearly property tax $4,611 $5,695 $5,124 $3,119
Effective property tax rate 0.74% 0.7% 0.7% 0.94%
Renters with high rent for their income 41% 55% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sonoma County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cloverdale

For a typical $619,400 home in Cloverdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cloverdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,034a month

    Least cash to close
    Down payment
    $21,679
    Cash to close
    $40,261
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $274

  • Conventional, 5% down $4,920a month

    Down payment
    $30,970
    Cash to close
    $49,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $294

  • Conventional, 20% down, no PMI $3,997a month

    Down payment
    $123,880
    Cash to close
    $142,462
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,570a month

    Down payment
    $92,910
    Cash to close
    $111,492
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cloverdale and for Sonoma County.

Property tax

Effective rate in Cloverdale

0.74%of the home’s value each year

$4,611 a year for the typical owner in Cloverdale.

  • Cloverdale 0.74%
  • Sonoma 0.7%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Sonoma County

FEMA does not publish these numbers by city: they are for all of Sonoma County.

Homes in the high-risk zone
2.4%
3,971
Of those, with NFIP insurance
31%
County California U.S.
Homes in the high-risk zone 2.4% 2.8% 3.5%
Of those, with NFIP insurance 31% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cloverdale

Typical rent in Cloverdale is $1,435 a month: 34% below the county. In Cloverdale, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sonoma County, by unit size. To pay the 2-bedroom one ($2,819 a month) without spending more than 30% of your income, you would need to earn $54.21 an hour working full time.

HUD fair market rent for all of Sonoma County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,980 $38.08 $79,200
1 bedroom $2,155 $41.44 $86,200
2 bedrooms $2,819 $54.21 $112,760
3 bedrooms $3,903 $75.06 $156,120
4 bedrooms $4,295 $82.60 $171,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cloverdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cloverdale is in ZIP code 95425.

For 2 bedrooms it is $2,550: $269 less than the fair market rent for Sonoma County ($2,819).

  • 95425 $2,550$3,500

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cloverdale when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cloverdale

HUD lists 3 buildings with rents for lower incomes in Cloverdale. These are the largest.

  • Kings Valley Senior Apts 100 Kings Cir, Cloverdale 95425 99 homes, 98 low-income · Studio: 52 · 1 bd: 46 · 2 bd: 1 · In service since 2014 · For older adults (707) 894-2961
  • Cloverdale Garden Apts 18 Clark Ave, Cloverdale 95425 34 low-income homes · In service since 1991 · For older adults
  • Divine Senior Apts 133 Healdsburg Ave, Cloverdale 95425 32 homes, 31 low-income · 1 bd: 28 · 2 bd: 4 · In service since 2006 · For older adults

See all 111 buildings in Sonoma County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cloverdale

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Sonoma County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Cloverdale

No down payment, repair or rent-help program on our list is for Cloverdale or Sonoma County. The ones below are statewide in California: they work in Cloverdale the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Cloverdale

The HUD-approved agencies closest to the center of Cloverdale, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 27 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 63 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 68 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

Every agency in Sonoma County All counseling agencies in California

Help in Spanish near Cloverdale

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cloverdale

HUD’s record names them for Cloverdale or Sonoma County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Sonoma County: see the list Source: HUD

Cities

Other cities in Sonoma County

These cities are also in Sonoma County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Sonoma County Housing in California

Nearby cities

The cities closest to Cloverdale, with the typical home value.

Neighboring counties

If Sonoma County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cloverdale.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Cloverdale

Short answers with the numbers for Cloverdale and all of Sonoma County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cloverdale?

The typical home value in Cloverdale is $619,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sonoma County it is $815,500.

How much does it cost to rent in Cloverdale?

Typical rent in Cloverdale is $1,435 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sonoma County is $2,819.

What is the FHA loan limit in Cloverdale?

Cloverdale uses the FHA limit for all of Sonoma County (2026): $897,000 for a one-unit home and $1,725,050 for a four-unit home.

How much property tax do owners pay in Cloverdale?

The typical homeowner in Cloverdale pays $4,611 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Sonoma County, the rate is 0.7%.

Where can I find free help to buy or rent in Cloverdale?

There is 1 HUD-approved counseling agency with an office in Sonoma County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).