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City · 5,873 residents · Clearfield County, Pennsylvania

Clearfield , Pennsylvania

In Clearfield, a typical home is worth $100,400 and typical rent is $691 a month. Compared with all of Clearfield County, the typical home value is 27% lower, typical rent is 13% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $100,400

    27% below the county

    61% below Pennsylvania

    • Clearfield
    • County
    • Pennsylvania

  • Typical rent

    $691a month

    13% below the county

    43% below Pennsylvania

    • Clearfield
    • County
    • Pennsylvania

  • Typical household income

    $54,646a year

    12% below the county

    30% below Pennsylvania

    • Clearfield
    • County
    • Pennsylvania

  • Households that own their home

    55%

    24 points below the county

    14 points below Pennsylvania

    • Clearfield
    • County
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$144,518
6.7% more than 12 months ago

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

Clearfield is in Clearfield 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 Clearfield County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clearfield apart

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

  1. Clearfield has the 2nd smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (26%).

  2. 55% of households in Clearfield own their home, against 79% in Clearfield County.

  3. Clearfield has the 8th lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($691).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Clearfield rose 6.7%; in Pennsylvania, it rose 2.2%.

  5. The typical home in Clearfield is worth $100,400, 27% less than in Clearfield County as a whole ($137,000).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Clearfield

What homes there are in Clearfield, 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 are the majority in Clearfield (60%), but less so than in Clearfield County (75%).

Year built

Homes in Clearfield are older: the typical year built is 1950; in Clearfield County, 1970.

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

$1,127 a month

Clearfield County: $1,223 a month

Without a mortgage

$516 a month

Clearfield County: $523 a month

Owners with a mortgage

57%

Clearfield County: 45%

Owning costs less in Clearfield: with a mortgage, the typical cost is $1,127 a month; in Clearfield County, $1,223. Without one, $516.

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 Clearfield rose 18%; in Clearfield County, it rose 43%.

The typical rent in Clearfield stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureClearfieldClearfield CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate7.0%4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate0.7%1.6%3.4%
People per household 2.202.282.392.53
Drive alone 78%78%68%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike Unreliable estimate3%4%3%
Work from home 10%8%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Clearfield look like those in Clearfield County: 2.20 people on average.

The car rules in Clearfield: 78% of workers drive to work alone, and the typical trip takes 10 to 19 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 Clearfield?

A typical home is within reach of the typical income

We start with a typical home in Clearfield, worth $100,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Clearfield, which is $54,646 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Clearfield. 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 $3,514 (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

$890

at 7.18% · 30 years

Loan amount
$98,582
Total interest
$141,836
Paid off in
November 2056

Includes $1,696 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,275 a month

    Your payment · 20%

  • Tight

    $1,275 to $1,639 a month

  • Hard

    more than $1,639 a month

Compared with the typical household income in Clearfield ($54,646 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$890
Principal & interest$668
Property tax$136
Home insurance$42
FHA mortgage insurance (MIP)$44

You need at least $3,514 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

Clearfield and Clearfield County

Clearfield is in Clearfield County, Pennsylvania. 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).

Clearfield's own numbers

Typical home value
$100,400
Typical monthly rent
$691
Typical yearly household income
$54,646
Households that own their home
55%
Effective property tax rate
1.63%

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

Numbers for all of Clearfield County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
3.6%

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 Clearfield County.

Everything about Clearfield County

Buying

Buying a home in Clearfield

A typical home in Clearfield is worth $100,400: 27% below the county and 61% below Pennsylvania. With the typical household income in Clearfield ($54,646 a year), a typical home costs 1.8 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.

  • Clearfield 1.8 years
  • County 2.2 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clearfield County

According to FHFA’s house price index, home prices in Clearfield County rose 70% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.7% +4.7% +2.9%
5 years (2020–2025) +53% +48% +47%
10 years (2015–2025) +70% +77% +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

Clearfield next to Clearfield County, Pennsylvania and the U.S.

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

Typical home value
  • Clearfield $100,400
  • County $137,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Clearfield $691
  • County $791
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Clearfield $54,646
  • County $62,152
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Clearfield next to Clearfield County and Pennsylvania
Measure Clearfield Clearfield County Pennsylvania U.S.
Typical home value $100,400 $137,000 $254,500 $332,700
Typical monthly rent $691 $791 $1,209 $1,413
Typical yearly household income $54,646 $62,152 $77,971 $80,734
Households that own their home 55% 79% 69% 65%
Typical yearly property tax $1,634 $1,500 $3,311 $3,119
Effective property tax rate 1.63% 1.09% 1.3% 0.94%
Renters with high rent for their income 26% 42% 48% 51%

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

For a typical $100,400 home in Clearfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clearfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $890a month

    Least cash to close
    Down payment
    $3,514
    Cash to close
    $6,526
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $872a month

    Down payment
    $5,020
    Cash to close
    $8,032
    Rate
    7.18%
    Mortgage insurance
    PMI · $48

  • Conventional, 20% down, no PMI $722a month

    Down payment
    $20,080
    Cash to close
    $23,092
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $815a month

    Down payment
    $15,060
    Cash to close
    $18,072
    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 Clearfield and for Clearfield County.

Property tax

Effective rate in Clearfield

1.63%of the home’s value each year

$1,634 a year for the typical owner in Clearfield.

  • Clearfield 1.63%
  • County 1.09%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Clearfield County

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

Homes in the high-risk zone
3.6%
1,114
Of those, with NFIP insurance
16%
County Pennsylvania U.S.
Homes in the high-risk zone 3.6% 2% 3.5%
Of those, with NFIP insurance 16% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clearfield

Typical rent in Clearfield is $691 a month: 13% below the county. In Clearfield, 26% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clearfield County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Clearfield 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 $728 $14.00 $29,120
1 bedroom $802 $15.42 $32,080
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,328 $25.54 $53,120
4 bedrooms $1,333 $25.63 $53,320

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 Clearfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clearfield is in ZIP code 16830.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Clearfield County ($1,014).

  • 16830 $1,010$1,340

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clearfield 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 Clearfield

HUD lists 4 buildings with rents for lower incomes in Clearfield. These are the largest.

  • Clearfield Family Development 222 Leavy Ave, Clearfield 16830 180 low-income homes · Run by Clearfield County Housing Authority · Average payment: $390 a month · Average wait: 6 months (814) 765-2485
  • Lawrence Park Village 1053 Park Avenue Ext, Clearfield 16830 60 low-income homes · For families (814) 765-1551
  • Dimeling Senior Residence 4 N 2nd St, Clearfield 16830 33 low-income homes · 1 bd: 27 · 2 bd: 6 · In service since 2001 · For older adults
  • Leonard Court Apts. 1350 Leonard St, Clearfield 16830 12 low-income homes · For older adults (814) 765-8900

See all 15 buildings in Clearfield County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clearfield

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 Clearfield County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Clearfield

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Clearfield

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

  • The Home Foundation

    226 E Nittany Ave, State College · 34 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (814) 954-4215

  • Housing Authority of the County of Butler

    114 Woody Dr, Butler · 78 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (724) 287-6797

  • Neighborhood Housing Services, DBA NeighborWorks Western Pennsylvania

    10 Duff Rd Ste 402, Pittsburgh · 82 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (412) 281-9773

All counseling agencies in Pennsylvania

Help in Spanish near Clearfield

None of the 3 agencies on this list say they serve 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 Clearfield

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

  • Clearfield County Housing Authority Public housing and Section 8 vouchers (814) 765-2485

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

Cities

Other cities in Clearfield County

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

Everything about Clearfield County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Clearfield 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 Clearfield.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Clearfield

Short answers with the numbers for Clearfield and all of Clearfield 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 Clearfield?

The typical home value in Clearfield is $100,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clearfield County it is $137,000.

How much does it cost to rent in Clearfield?

Typical rent in Clearfield is $691 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clearfield County is $1,014.

What is the FHA loan limit in Clearfield?

Clearfield uses the FHA limit for all of Clearfield 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 Clearfield?

The typical homeowner in Clearfield pays $1,634 a year, according to the U.S. Census Bureau. That is 1.63% of the home’s value; in Clearfield County, the rate is 1.09%.

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

We found no HUD-approved counseling agencies with an office in Clearfield County; the nearest ones are on this page. 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).