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City · 124,725 residents · Fresno County, California

Clovis , California

In Clovis, a typical home is worth $482,700 and typical rent is $1,792 a month. Compared with all of Fresno County, typical household income is 34% higher, typical rent is 29% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $482,700

    24% above the county

    34% below California

    • Clovis
    • Fresno
    • California

  • Typical rent

    $1,792a month

    29% above the county

    12% below California

    • Clovis
    • Fresno
    • California

  • Typical household income

    $99,241a year

    34% above the county

    About the same as California

    • Clovis
    • Fresno
    • California

  • Households that own their home

    65%

    10 points above the county

    9 points above California

    • Clovis
    • Fresno
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$514,434
1% more than 12 months ago
Typical rent
$2,381 a month
1.7% more than 12 months ago

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

Clovis is in Fresno County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Fresno County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clovis apart

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

  1. Nearby, in Mayfair, the typical home value is $283,300: 41% less than in Clovis ($482,700).

  2. Nearby, in Sanger, the typical rent is $1,209: 33% less than in Clovis ($1,792).

  3. The typical household income in Clovis is $99,241, 34% more than in Fresno County as a whole ($74,201).

  4. The typical rent in Clovis is $1,792 a month, 29% more than in Fresno County as a whole ($1,392).

  5. The typical home in Clovis is worth $482,700, 24% more than in Fresno County as a whole ($388,800).

  6. 65% of households in Clovis own their home, against 56% in Fresno County.

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

The homes here

Housing in Clovis

What homes there are in Clovis, 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

In Clovis, 8 in 10 homes are single-family detached houses; in Fresno County, 7.

Year built

Homes in Clovis are newer: the typical year built is 1996; in Fresno County, 1982.

In Clovis, 75% of homes have 3 bedrooms or more, more than in Fresno County (64%).

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

About 60% of owner-occupied homes in Clovis are worth less than the FHA loan limit for Fresno County ($541,287); the rest are worth more.

Monthly rent with utilities

With a mortgage

$2,389 a month

Fresno County: $2,065 a month

Without a mortgage

$815 a month

Fresno County: $673 a month

Owners with a mortgage

73%

Fresno County: 66%

The typical cost for an owner with a mortgage in Clovis is $2,389 a month, more than in Fresno County ($2,065); without one, $815.

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

From 2015–2019 to 2020–2024, the typical home value in Clovis rose 49%; in Fresno County, it rose 53%.

Rents in Clovis rose faster than in Fresno County: 48% since 2015–2019, against 40%.

Housing prices ran ahead of income in Clovis: typical income rose 27%, against +49% for home values and +48% for rent.

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

MeasureClovisFresno CountyCaliforniaUnited States
Rental vacancy 4.9%3.1%4.2%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room 4.3%10.7%8.2%3.4%
People per household 2.953.072.842.53
Drive alone 75%73%66%69%
Carpool 11%12%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 1%2%3%3%
Work from home 12%10%17%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Clovis is 4.9%, higher than in Fresno County (3.1%).

More than one person per room: that is how 4.3% of households in Clovis live, less than in Fresno County (10.7%).

By size, households in Clovis look like those in Fresno County: 2.95 people on average.

The car rules in Clovis: 75% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Clovis?

A typical home costs more than the typical income allows

We start with a typical home in Clovis, worth $482,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Clovis, which is $99,241 a year. For that payment to be 28% of income, a household would need to earn about $170,888 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Clovis. 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 $16,895 (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

$3,987

at 7.18% · 30 years

Loan amount
$473,957
Total interest
$681,912
Paid off in
November 2056

Includes $8,152 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,316 a month

  • Tight

    $2,316 to $2,977 a month

  • Hard

    more than $2,977 a month

    Your payment · 48%

Compared with the typical household income in Clovis ($99,241 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,987
Principal & interest$3,211
Property tax$362
Home insurance$201
FHA mortgage insurance (MIP)$213

You need at least $16,895 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

Clovis and Fresno County

Clovis is in Fresno 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).

Clovis's own numbers

Typical home value
$482,700
Typical monthly rent
$1,792
Typical yearly household income
$99,241
Households that own their home
65%
Effective property tax rate
0.9%

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

Numbers for all of Fresno County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,685
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.1%

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 Fresno County.

Everything about Fresno County

Buying

Buying a home in Clovis

A typical home in Clovis is worth $482,700: 24% above the county and 34% below California. With the typical household income in Clovis ($99,241 a year), a typical home costs 4.9 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.

  • Clovis 4.9 years
  • Fresno 5.2 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fresno County

According to FHFA’s house price index, home prices in Fresno County rose 98% in the 10 years through 2025.

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

Period County California U.S.
Last year (2025) +2.3% +0.8% +2.9%
5 years (2020–2025) +49% +40% +47%
10 years (2015–2025) +98% +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

Clovis next to Fresno 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
  • Clovis $482,700
  • Fresno $388,800
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Clovis $1,792
  • Fresno $1,392
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Clovis $99,241
  • Fresno $74,201
  • California $99,122
  • United States $80,734
See the full table
Clovis next to Fresno County and California
Measure Clovis Fresno County California U.S.
Typical home value $482,700 $388,800 $734,700 $332,700
Typical monthly rent $1,792 $1,392 $2,036 $1,413
Typical yearly household income $99,241 $74,201 $99,122 $80,734
Households that own their home 65% 56% 56% 65%
Typical yearly property tax $4,348 $2,861 $5,124 $3,119
Effective property tax rate 0.9% 0.74% 0.7% 0.94%
Renters with high rent for their income 53% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fresno 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 Clovis

For a typical $482,700 home in Clovis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clovis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,987a month

    Least cash to close
    Down payment
    $16,895
    Cash to close
    $31,376
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $213

  • Conventional, 5% down $3,899a month

    Down payment
    $24,135
    Cash to close
    $38,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $229

  • Conventional, 20% down, no PMI $3,179a month

    Down payment
    $96,540
    Cash to close
    $111,021
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,625a month

    Down payment
    $72,405
    Cash to close
    $86,886
    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 Clovis and for Fresno County.

Property tax

Effective rate in Clovis

0.9%of the home’s value each year

$4,348 a year for the typical owner in Clovis.

  • Clovis 0.9%
  • Fresno 0.74%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Fresno County

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

Homes in the high-risk zone
1.1%
2,954
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 1.1% 2.8% 3.5%
Of those, with NFIP insurance 20% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clovis

Typical rent in Clovis is $1,792 a month: 29% above the county. In Clovis, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fresno County, by unit size. To pay the 2-bedroom one ($1,685 a month) without spending more than 30% of your income, you would need to earn $32.40 an hour working full time.

HUD fair market rent for all of Fresno 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 $1,354 $26.04 $54,160
1 bedroom $1,363 $26.21 $54,520
2 bedrooms $1,685 $32.40 $67,400
3 bedrooms $2,333 $44.87 $93,320
4 bedrooms $2,671 $51.37 $106,840

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 Clovis

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clovis has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,830 in 93612 to $2,530 in 93619.

3 of the 3 are above the fair market rent for Fresno County ($1,685).

  • 93611 $2,530$3,500
  • 93612 $1,830$2,530
  • 93619 $2,530$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 Clovis 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 Clovis

HUD lists 7 buildings with rents for lower incomes in Clovis. These are the largest.

  • Lexington Square 1300 Minnewawa Ave, Clovis 93612 130 homes, 128 low-income · 1 bd: 42 · 2 bd: 88 · In service since 1999
  • Clovis Senior Apts 88 N Dewitt Ave, Clovis 93612 101 low-income homes · 1 bd: 81 · 2 bd: 20 · In service since 1999 · For older adults
  • Willows (CLOVIS) 865 W Gettysburg Ave, Clovis 93612 76 low-income homes · 2 bd: 25 · 3 bd: 36 · 4 bd: 16 · In service since 2005 · For families
  • L.C. Hotchkiss Terrace 51 Barstow Ave, Clovis 93612 75 homes, 74 low-income · For older adults (559) 299-2263
  • Rose View Terrace 101 Barstow Ave, Clovis 93612 60 homes, 59 low-income · For older adults (559) 275-9633

See all 192 buildings in Fresno County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clovis

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 are 3 HUD-approved agencies with an office in Fresno County; 1 says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Clovis

No down payment, repair or rent-help program on our list is for Clovis or Fresno County. The ones below are statewide in California: they work in Clovis 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 Clovis

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

  • Fresno Interdenominational Refugee Ministries

    1940 N Fresno St, Fresno · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (559) 487-1500

  • Community Housing Council of Fresno

    2560 W Shaw Ln Ste 101, Fresno · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (559) 221-6919

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (559) 209-8031

Every agency in Fresno County All counseling agencies in California

Help in Spanish near Clovis

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 Clovis

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

  • Housing Authority of Fresno County Public housing and Section 8 vouchers (559) 443-8400

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

Cities

Other cities in Fresno County

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

Everything about Fresno County Housing in California
See 3 more cities in Fresno County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Fresno 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 Clovis.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Clovis

Short answers with the numbers for Clovis and all of Fresno 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 Clovis?

The typical home value in Clovis is $482,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fresno County it is $388,800.

How much does it cost to rent in Clovis?

Typical rent in Clovis is $1,792 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fresno County is $1,685.

What is the FHA loan limit in Clovis?

Clovis uses the FHA limit for all of Fresno County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Clovis?

The typical homeowner in Clovis pays $4,348 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Fresno County, the rate is 0.74%.

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

There are 3 HUD-approved counseling agencies with an office in Fresno County. 1 says it serves in Spanish. 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).