In Clarksville, a typical home is worth $179,700 and typical rent is $1,110 a month. Compared with all of Clark County, the typical home value is 19% lower, typical household income is 19% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $156,169 to $202,852.
Typical rent
$1,156a month
Typical rent from Zillow, December 2025 to September 2026: from $1,051 to $1,156.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clarksville is in Clark 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 Clark County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Scottsburg, the typical rent is $831: 25% less than in Clarksville ($1,110).
2
61% of households in Clarksville own their home, against 75% in Clark County.
3
Nearby, in Scottsburg, the typical home value is $146,200: 19% less than in Clarksville ($179,700).
4
The typical home in Clarksville is worth $179,700,19% less than in Clark County as a whole ($222,900).
5
The typical household income in Clarksville is $60,467,19% less than in Clark County as a whole ($74,214).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Clarksville
What homes there are in Clarksville, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Clarksville
Clark County
Indiana
United States
Kind of home: Clarksville and its comparisons
Measure
Clarksville
Clark County
Indiana
United States
Detached house
61%
73%
73%
61%
Attached house
5%
4%
4%
6%
Building of 2 to 4
7%
5%
6%
8%
Apartments (5 or more)
21%
13%
13%
19%
Mobile home
6%
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Clarksville, 6 in 10 homes are single-family detached houses; in Clark County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Clarksville
Clark County
Indiana
United States
Year built: Clarksville and its comparisons
Measure
Clarksville
Clark County
Indiana
United States
Before 1960
29%
21%
31%
26%
1960–1979
39%
27%
24%
24%
1980–1999
14%
22%
23%
25%
2000–2009
10%
15%
12%
14%
2010 or later
9%
16%
10%
11%
The typical home in Clarksville was built in 1971, 11 years before the typical one in Clark County.
Homes in Clarksville are smaller: 54% have 3 bedrooms or more; in Clark County, 68%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K16%
$100K–$200K47%
$200K–$300K26%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clarksville and its comparisons
Measure
Clarksville
Under $100K
16%
$100K–$200K
47%
$200K–$300K
26%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 99% of owner-occupied homes in Clarksville are worth less than $500,000, below the FHA loan limit for Clark County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99928%
$1,000–$1,49946%
$1,500–$1,99913%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clarksville and its comparisons
Measure
Clarksville
Under $500
Unreliable estimate
$500–$999
28%
$1,000–$1,499
46%
$1,500–$1,999
13%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,371 a month
Clark County: $1,403 a month
Without a mortgage
$461 a month
Clark County: $517 a month
Owners with a mortgage
65%
Clark County: 66%
Owning costs about the same in Clarksville as in Clark County: with a mortgage, $1,371 a month; without one, $461.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clarksville+51%
Clark County+56%
Indiana+54%
United States+53%
Typical rent
Clarksville+35%
Clark County+34%
Indiana+29%
United States+33%
Typical household income
Clarksville+33%
Clark County+33%
Indiana+28%
United States+29%
Change since 2015–2019: Clarksville and its comparisons
Measure
Clarksville
Clark County
Indiana
United States
Typical home value
+51%
+56%
+54%
+53%
Typical rent
+35%
+34%
+29%
+33%
Typical household income
+33%
+33%
+28%
+29%
The typical home value in Clarksville rose 51% since 2015–2019, less than in Clark County (56%).
Much as in Clark County, the typical rent in Clarksville rose 35% since 2015–2019.
The typical household income in Clarksville rose 33% over that time; home values changed +51% and rent +35%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clarksville and its comparisons
Measure
Clarksville
Clark County
Indiana
United States
Rental vacancy
Unreliable estimate
7.4%
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.8%
3.4%
People per household
2.30
2.39
2.46
2.53
Drive alone
76%
77%
76%
69%
Carpool
10%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
13%
11%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Clark County, a household in Clarksville has 2.30 people on average.
To get to work, 76% of workers in Clarksville drive alone; in Clark County, 77%.
Do the math
What would you pay each month for a home in Clarksville?
A typical home is tight for the typical income
We start with a typical home in Clarksville, worth $179,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Clarksville, which is $60,467 a year. For that payment to be 28% of income, a household would need to earn about $63,554 a year.
The calculator's FHA and conventional loan limits are those of all of Clark County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Clarksville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,290 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,483
at 7.18% · 30 years
Loan amount
$176,445
Total interest
$253,862
Paid off in
November 2056
Includes $3,035 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,411 a month
Tight
$1,411 to $1,814 a month
Your payment · 29%
Hard
more than $1,814 a month
Compared with the typical household income in Clarksville ($60,467 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,195
Property tax
$133
Home insurance
$75
FHA mortgage insurance (MIP)
$79
You need at least $6,290 for the down payment, plus closing costs.
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.
Total monthly payment $1,483; principal and interest $1,195.
The city and its county
Clarksville and Clark County
Clarksville is in Clark County, Indiana. 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).
Clarksville
Map of Clark County, Indiana, with Clarksville marked. Around it, the neighboring counties.
Clarksville
Clark County
Other cities with a page
Clarksville's own numbers
Typical home value
$179,700
Typical monthly rent
$1,110
Typical yearly household income
$60,467
Households that own their home
61%
Effective property tax rate
0.89%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clark County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,276
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
4.2%
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 Clark County.
A typical home in Clarksville is worth $179,700: 19% below the county and 18% below Indiana. With the typical household income in Clarksville ($60,467 a year), a typical home costs 3.0 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.
Clarksville3.0 years
Clark3.0 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clark County
According to FHFA’s house price index, home prices in Clark County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clark County.
Yearly change in FHFA’s price index in Clark County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +6.2% +6.2% 2017
2018: +6.8% +6.8% 2018
2019: +5.0% +5.0% 2019
2020: +4.9% +4.9% 2020
2021: +12.2% +12.2% 2021
2022: +14.1% +14.1% 2022
2023: +7.4% +7.4% 2023
2024: +5.2% +5.2% 2024
2025: +1.5% +1.5% 2025
Change in FHFA’s price index in Clark County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+1.5%
+4.3%
+2.9%
5 years (2020–2025)
+47%
+53%
+47%
10 years (2015–2025)
+90%
+95%
+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
Clarksville next to Clark County, Indiana and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Clarksville$179,700
Clark$222,900
Indiana$218,200
United States$332,700
Typical monthly rent
Clarksville$1,110
Clark$1,129
Indiana$1,062
United States$1,413
Typical yearly household income
Clarksville$60,467
Clark$74,214
Indiana$71,957
United States$80,734
See the full table
Clarksville next to Clark County and Indiana
Measure
Clarksville
Clark County
Indiana
U.S.
Typical home value
$179,700 ▼19% below the county
$222,900
$218,200
$332,700
Typical monthly rent
$1,110
$1,129
$1,062
$1,413
Typical yearly household income
$60,467 ▼19% below the county
$74,214
$71,957
$80,734
Households that own their home
61% ▼14 points below the county
75%
71%
65%
Typical yearly property tax
$1,599 ▼7% below the county
$1,716
$1,614
$3,119
Effective property tax rate
0.89% ▲0.12 points above the county
0.77%
0.74%
0.94%
Renters with high rent for their income
50% ▲5 points above the county
45%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clark 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 Clarksville
For a typical $179,700 home in Clarksville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clarksville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,483a month
Least cash to close
Down payment
$6,290
Cash to close
$11,681
Rate
7.18%
Mortgage insurance
FHA MIP · $79
Conventional, 5% down$1,450a month
Down payment
$8,985
Cash to close
$14,376
Rate
7.18%
Mortgage insurance
PMI · $85
Conventional, 20% down, no PMI$1,182a month
Down payment
$35,940
Cash to close
$41,331
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,348a month
Down payment
$26,955
Cash to close
$32,346
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clarksville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,483
$6,290
$176,445
7.18%
FHA MIP · $79
$11,681
580
Conventional, 5% down
$1,450
$8,985
$170,715
7.18%
PMI · $85
$14,376
620*
Conventional, 20% down, no PMI
$1,182
$35,940
$143,760
7.18%
None
$41,331
620*
ITIN, 15% down (example)
$1,348
$26,955
$152,745
8.18%
None
$32,346
Set by the lender
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.
Typical rent in Clarksville is $1,110 a month: about the same as the county. In Clarksville, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clark County, by unit size. To pay the 2-bedroom one ($1,276 a month) without spending more than 30% of your income, you would need to earn $24.54 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clark County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$976
$18.77
$39,040
1 bedroom
$1,058
$20.35
$42,320
2 bedrooms
$1,276
$24.54
$51,040
3 bedrooms
$1,629
$31.33
$65,160
4 bedrooms
$1,874
$36.04
$74,960
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 Clarksville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clarksville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,210 in 47129 to $1,310 in 47172.
1 of the 2 is above the fair market rent for Clark County ($1,276).
Fair market rent by ZIP code and size in Clarksville, fiscal year 2027.
47129
$930
$1,000
$1,210
$1,540
$1,780
47172
$1,000
$1,090
$1,310
$1,670
$1,920
ZIP code2 bd3 bd
47129 $1,210$1,540
47172 $1,310$1,670
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clarksville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
We found no HUD-approved agencies with an office in Clark County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Clarksville or Clark County. The ones below are statewide in Indiana: they work in Clarksville the same as in the rest of the state.
Indiana state agency program with down payment assistance of 2.5% or 3.5% of the price, alongside a 30-year FHA or conventional mortgage.Offered by Indiana Housing and Community Development Authority (IHCDA).
Indiana state agency 30-year FHA or conventional mortgage for first-time buyers (or homes in designated areas), with down payment assistance as a second mortgage with no interest or payments, repaid when the first mortgage ends.Offered by Indiana Housing and Community Development Authority (IHCDA).
No legal help resource on our list is for Clarksville or Clark County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Clarksville and all of Clark 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 Clarksville?
The typical home value in Clarksville is $179,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clark County it is $222,900.
How much does it cost to rent in Clarksville?
Typical rent in Clarksville is $1,110 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clark County is $1,276.
What is the FHA loan limit in Clarksville?
Clarksville uses the FHA limit for all of Clark 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 Clarksville?
The typical homeowner in Clarksville pays $1,599 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Clark County, the rate is 0.77%.
Where can I find free help to buy or rent in Clarksville?
We found no HUD-approved counseling agencies with an office in Clark County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
