In Clarinda, a typical home is worth $114,200 and typical rent is $660 a month. Compared with all of Page County, typical household income is 20% lower and the typical home value is 9% lower.
Typical home value from Zillow, September 2021 to September 2026: from $100,808 to $131,672.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clarinda is in Page 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 Page County. See the county
What this place has that others do not, from public data, most unusual first.
1
Clarinda has the lowest typical rent of the 85 cities in Iowa with more than 5,000 people: $660.
2
Clarinda has the lowest typical household income of the 86 cities in Iowa with more than 5,000 people: $46,348.
3
Clarinda has the 8th lowest typical home value of the 86 cities in Iowa with more than 5,000 people ($114,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Clarinda
What homes there are in Clarinda, 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
Clarinda
Page County
Iowa
United States
Kind of home: Clarinda and its comparisons
Measure
Clarinda
Page County
Iowa
United States
Detached house
74%
81%
72%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
13%
9%
6%
8%
Apartments (5 or more)
Unreliable estimate
8%
14%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Clarinda (74%), but less so than in Page County (81%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Clarinda
Page County
Iowa
United States
Year built: Clarinda and its comparisons
Measure
Clarinda
Page County
Iowa
United States
Before 1960
50%
56%
38%
26%
1960–1979
28%
26%
24%
24%
1980–1999
15%
10%
17%
25%
2000–2009
Unreliable estimate
4%
11%
14%
2010 or later
Unreliable estimate
4%
11%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K42%
$100K–$200K39%
$200K–$300K12%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clarinda and its comparisons
Measure
Clarinda
Under $100K
42%
$100K–$200K
39%
$200K–$300K
12%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50024%
$500–$99962%
HUD fair market rent, 2 bedrooms: $927
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clarinda and its comparisons
Measure
Clarinda
Under $500
24%
$500–$999
62%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Clarinda cost less than HUD's 2-bedroom fair market rent ($927): about 77%.
With a mortgage
$1,113 a month
Page County: $1,178 a month
Without a mortgage
$473 a month
Page County: $490 a month
Owners with a mortgage
45%
Page County: 47%
In Clarinda, 45% of owners have a mortgage, and their typical cost is $1,113 a month, against $1,178 in Page County. Without one it drops to $473.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clarinda+22%
Page County+33%
Iowa+41%
United States+53%
Typical rent
ClarindaNo clear change
Page CountyNo clear change
Iowa+23%
United States+33%
Typical household income
ClarindaNo clear change
Page County+12%
Iowa+24%
United States+29%
Change since 2015–2019: Clarinda and its comparisons
Measure
Clarinda
Page County
Iowa
United States
Typical home value
+22%
+33%
+41%
+53%
Typical rent
No clear change
No clear change
+23%
+33%
Typical household income
No clear change
+12%
+24%
+29%
Homes in Clarinda gained value more slowly than in Page County: 22% since 2015–2019, against 33%.
Since 2015–2019, the typical rent in Clarinda did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clarinda and its comparisons
Measure
Clarinda
Page County
Iowa
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.6%
3.4%
People per household
2.15
2.23
2.36
2.53
Drive alone
78%
79%
76%
69%
Carpool
12%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
6%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
under 10 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
A household in Clarinda has 2.15 people on average, about the same as in Page County (2.23).
To get to work, 78% of workers in Clarinda drive alone; in Page County, 79%.
Do the math
What would you pay each month for a home in Clarinda?
A typical home is within reach of the typical income
We start with a typical home in Clarinda, worth $114,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Clarinda, which is $46,348 a year.
The calculator's FHA and conventional loan limits are those of all of Page 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 Clarinda. 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 $3,997 (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
$1,002
at 7.18% · 30 years
Loan amount
$112,132
Total interest
$161,331
Paid off in
November 2056
Includes $1,929 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,081 a month
Your payment · 26%
Tight
$1,081 to $1,390 a month
Hard
more than $1,390 a month
Compared with the typical household income in Clarinda ($46,348 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$760
Property tax
$145
Home insurance
$48
FHA mortgage insurance (MIP)
$51
You need at least $3,997 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 $1,002; principal and interest $760.
The city and its county
Clarinda and Page County
Clarinda is in Page County, Iowa. 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).
Clarinda
Map of Page County, Iowa, with Clarinda marked. Around it, the neighboring counties.
Clarinda
Page County
Clarinda's own numbers
Typical home value
$114,200
Typical monthly rent
$660
Typical yearly household income
$46,348
Households that own their home
69%
Effective property tax rate
1.52%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Page County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$927
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
0.6%
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 Page County.
A typical home in Clarinda is worth $114,200: 9% below the county and 45% below Iowa. With the typical household income in Clarinda ($46,348 a year), a typical home costs 2.5 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.
Clarinda2.5 years
Page2.2 years
Iowa2.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Page County
According to FHFA’s house price index, home prices in Page County rose 75% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Page County.
Yearly change in FHFA’s price index in Page County, 2016 to 2025
2016: −0.1% −0.1% 2016
2017: −0.7% −0.7% 2017
2018: +13.6% +13.6% 2018
2019: −0.3% −0.3% 2019
2020: +4.7% +4.7% 2020
2021: +8.6% +8.6% 2021
2022: +12.5% +12.5% 2022
2023: +9.2% +9.2% 2023
2024: +8.3% +8.3% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Page County, Iowa and the United States
Period
County
Iowa
U.S.
Last year (2025)
+2.7%
+3.2%
+2.9%
5 years (2020–2025)
+48%
+41%
+47%
10 years (2015–2025)
+75%
+65%
+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
Clarinda next to Page County, Iowa and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Clarinda$114,200
Page$125,300
Iowa$208,000
United States$332,700
Typical monthly rent
Clarinda$660
Page$705
Iowa$972
United States$1,413
Typical yearly household income
Clarinda$46,348
Page$57,953
Iowa$75,059
United States$80,734
See the full table
Clarinda next to Page County and Iowa
Measure
Clarinda
Page County
Iowa
U.S.
Typical home value
$114,200 ▼9% below the county
$125,300
$208,000
$332,700
Typical monthly rent
$660 ▼6% below the county
$705
$972
$1,413
Typical yearly household income
$46,348 ▼20% below the county
$57,953
$75,059
$80,734
Households that own their home
69% ▼1 points below the county
71%
72%
65%
Typical yearly property tax
$1,736
$1,764
$2,897
$3,119
Effective property tax rate
1.52% ▲0.11 points above the county
1.41%
1.39%
0.94%
Renters with high rent for their income
35% ▼6 points below the county
41%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Page 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 Clarinda
For a typical $114,200 home in Clarinda, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clarinda's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,002a month
Least cash to close
Down payment
$3,997
Cash to close
$7,423
Rate
7.18%
Mortgage insurance
FHA MIP · $51
Conventional, 5% down$981a month
Down payment
$5,710
Cash to close
$9,136
Rate
7.18%
Mortgage insurance
PMI · $54
Conventional, 20% down, no PMI$811a month
Down payment
$22,840
Cash to close
$26,266
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$917a month
Down payment
$17,130
Cash to close
$20,556
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clarinda
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,002
$3,997
$112,132
7.18%
FHA MIP · $51
$7,423
580
Conventional, 5% down
$981
$5,710
$108,490
7.18%
PMI · $54
$9,136
620*
Conventional, 20% down, no PMI
$811
$22,840
$91,360
7.18%
None
$26,266
620*
ITIN, 15% down (example)
$917
$17,130
$97,070
8.18%
None
$20,556
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 Clarinda is $660 a month: 6% below the county. In Clarinda, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Page County, by unit size. To pay the 2-bedroom one ($927 a month) without spending more than 30% of your income, you would need to earn $17.83 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 Page County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$688
$13.23
$27,520
1 bedroom
$709
$13.63
$28,360
2 bedrooms
$927
$17.83
$37,080
3 bedrooms
$1,184
$22.77
$47,360
4 bedrooms
$1,255
$24.13
$50,200
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 Clarinda
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clarinda is in ZIP code 51632.
For 2 bedrooms it is $930: $3 more than the fair market rent for Page County ($927).
Fair market rent by ZIP code and size in Clarinda, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
51632
$690
$710
$930
$1,180
$1,260
ZIP code2 bd3 bd
51632 $930$1,180
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clarinda 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)
HUD lists 2 buildings with rents for lower incomes in Clarinda. These are the largest.
Clarhaven402 W Willow St, Clarinda 5163274 low-income homes · Run by Clarinda Low Rent Housing Agency · Average payment: $414 a month · Average wait: 22 months(712) 542-2912
Meadow Run Apts800 W Tarkio St, Clarinda 5163246 low-income homes · 2 bd: 46 · In service since 1998 · For people with disabilities, families
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 Page 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 Clarinda or Page County. The ones below are statewide in Iowa: they work in Clarinda the same as in the rest of the state.
With the Iowa state authority's FirstHome mortgage, a first-time buyer can get a second loan of up to 3% of the price (maximum $10,000) or up to 5% (maximum $15,000), with no monthly payments, repaid when you sell, refinance or pay off the mortgage.Offered by Iowa Finance Authority (IFA).
Iowa state authority second loan, with the Homes for Iowans mortgage, of up to 3% of the price (maximum $10,000) or 5% (maximum $15,000) for the down payment and closing costs; no monthly payments, and for any buyer.Offered by Iowa Finance Authority (IFA).
No legal help resource on our list is for Clarinda or Page 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 Clarinda and all of Page 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 Clarinda?
The typical home value in Clarinda is $114,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Page County it is $125,300.
How much does it cost to rent in Clarinda?
Typical rent in Clarinda is $660 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Page County is $927.
What is the FHA loan limit in Clarinda?
Clarinda uses the FHA limit for all of Page 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 Clarinda?
The typical homeowner in Clarinda pays $1,736 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Page County, the rate is 1.41%.
Where can I find free help to buy or rent in Clarinda?
We found no HUD-approved counseling agencies with an office in Page County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
