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City · 7,402 residents · Clearfield County, Pennsylvania

DuBois , Pennsylvania

In DuBois, a typical home is worth $123,600 and typical rent is $899 a month. Compared with all of Clearfield County, typical rent is 14% higher, the typical home value is 10% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $123,600

    10% below the county

    51% below Pennsylvania

    • DuBois
    • Clearfield
    • Pennsylvania

  • Typical rent

    $899a month

    14% above the county

    26% below Pennsylvania

    • DuBois
    • Clearfield
    • Pennsylvania

  • Typical household income

    $62,697a year

    About the same as the county

    20% below Pennsylvania

    • DuBois
    • Clearfield
    • Pennsylvania

  • Households that own their home

    59%

    19 points below the county

    10 points below Pennsylvania

    • DuBois
    • Clearfield
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$179,379
4.8% more than 12 months ago

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

DuBois 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 DuBois apart

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

  1. 59% of households in DuBois own their home, against 79% in Clearfield County.

  2. Nearby, in Clearfield, the typical rent is $691: 23% less than in DuBois ($899).

  3. Nearby, in Punxsutawney, the typical home value is $99,000: 20% less than in DuBois ($123,600).

  4. 7% of households in DuBois have no internet at home (13% in Clearfield County).

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

The homes here

Housing in DuBois

What homes there are in DuBois, 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 DuBois (67%), but less so than in Clearfield County (75%).

Year built

There are fewer big homes in DuBois than in Clearfield County: 60% have 3 bedrooms or more, against 68%.

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

$1,199 a month

Clearfield County: $1,223 a month

Without a mortgage

$463 a month

Clearfield County: $523 a month

Owners with a mortgage

47%

Clearfield County: 45%

In DuBois, 47% of owners have a mortgage; their typical cost is $1,199 a month, about the same as in Clearfield County.

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 DuBois rose 32%; in Clearfield County, it rose 43%.

Rents in DuBois rose faster than in Clearfield County: 34% since 2015–2019, against 19%.

While home values in DuBois changed +32% and rent +34%, the typical household income rose 35%.

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

MeasureDuBoisClearfield 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 2.092.282.392.53
Drive alone 74%78%68%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 8%3%4%3%
Work from home 7%8%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in DuBois has 2.09 people, fewer than in Clearfield County (2.28).

In DuBois, 8% of workers walk or bike to work; in Clearfield County, 3%.

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 DuBois?

A typical home is within reach of the typical income

We start with a typical home in DuBois, worth $123,600, 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 DuBois, which is $62,697 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 DuBois. 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 $4,326 (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

$1,045

at 7.18% · 30 years

Loan amount
$121,361
Total interest
$174,610
Paid off in
November 2056

Includes $2,087 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,463 a month

    Your payment · 20%

  • Tight

    $1,463 to $1,881 a month

  • Hard

    more than $1,881 a month

Compared with the typical household income in DuBois ($62,697 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,045
Principal & interest$822
Property tax$116
Home insurance$52
FHA mortgage insurance (MIP)$55

You need at least $4,326 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

DuBois and Clearfield County

DuBois 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).

DuBois's own numbers

Typical home value
$123,600
Typical monthly rent
$899
Typical yearly household income
$62,697
Households that own their home
59%
Effective property tax rate
1.13%

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 DuBois

A typical home in DuBois is worth $123,600: 10% below the county and 51% below Pennsylvania. With the typical household income in DuBois ($62,697 a year), a typical home costs 2.0 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.

  • DuBois 2.0 years
  • Clearfield 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

DuBois 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
  • DuBois $123,600
  • Clearfield $137,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • DuBois $899
  • Clearfield $791
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • DuBois $62,697
  • Clearfield $62,152
  • Pennsylvania $77,971
  • United States $80,734
See the full table
DuBois next to Clearfield County and Pennsylvania
Measure DuBois Clearfield County Pennsylvania U.S.
Typical home value $123,600 $137,000 $254,500 $332,700
Typical monthly rent $899 $791 $1,209 $1,413
Typical yearly household income $62,697 $62,152 $77,971 $80,734
Households that own their home 59% 79% 69% 65%
Typical yearly property tax $1,402 $1,500 $3,311 $3,119
Effective property tax rate 1.13% 1.09% 1.3% 0.94%
Renters with high rent for their income 38% 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 DuBois

For a typical $123,600 home in DuBois, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, DuBois's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,045a month

    Least cash to close
    Down payment
    $4,326
    Cash to close
    $8,034
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $55

  • Conventional, 5% down $1,022a month

    Down payment
    $6,180
    Cash to close
    $9,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $59

  • Conventional, 20% down, no PMI $838a month

    Down payment
    $24,720
    Cash to close
    $28,428
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $952a month

    Down payment
    $18,540
    Cash to close
    $22,248
    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 DuBois and for Clearfield County.

Property tax

Effective rate in DuBois

1.13%of the home’s value each year

$1,402 a year for the typical owner in DuBois.

  • DuBois 1.13%
  • Clearfield 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 DuBois

Typical rent in DuBois is $899 a month: 14% above the county. In DuBois, 38% 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 DuBois

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). DuBois is in ZIP code 15801.

For 2 bedrooms it is $1,060: $46 more than the fair market rent for Clearfield County ($1,014).

  • 15801 $1,060$1,390

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

Free help

Help to buy or rent in DuBois

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in DuBois

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near DuBois

The HUD-approved agencies closest to the center of DuBois, 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 · 52 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 · 63 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 · 72 miles away

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

All counseling agencies in Pennsylvania

Help in Spanish near DuBois

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 DuBois

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

  • Housing Authority of the City of Dubois Public housing and Section 8 vouchers (814) 371-2290
  • Clearfield County Housing Authority Public housing and Section 8 vouchers (814) 765-2485

All housing agencies in Pennsylvania 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 DuBois, 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 DuBois.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about DuBois

Short answers with the numbers for DuBois 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 DuBois?

The typical home value in DuBois is $123,600, 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 DuBois?

Typical rent in DuBois is $899 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 DuBois?

DuBois 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 DuBois?

The typical homeowner in DuBois pays $1,402 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Clearfield County, the rate is 1.09%.

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

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).