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City · 24,063 residents · Harris County, Texas

Cloverleaf , Texas

In Cloverleaf, a typical home is worth $169,600 and typical rent is $1,155 a month. Compared with all of Harris County, the typical home value is 39% lower, typical household income is 27% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $169,600

    39% below the county

    40% below Texas

    • Cloverleaf
    • Harris
    • Texas

  • Typical rent

    $1,155a month

    18% below the county

    18% below Texas

    • Cloverleaf
    • Harris
    • Texas

  • Typical household income

    $54,994a year

    27% below the county

    30% below Texas

    • Cloverleaf
    • Harris
    • Texas

  • Households that own their home

    62%

    8 points above the county

    About the same as Texas

    • Cloverleaf
    • Harris
    • Texas

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

Cloverleaf is in Harris 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 Harris County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cloverleaf apart

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

  1. The typical home in Cloverleaf is worth $169,600, 39% less than in Harris County as a whole ($276,600).

  2. Nearby, in Galena Park, the typical home value is $117,700: 31% less than in Cloverleaf ($169,600).

  3. The typical household income in Cloverleaf is $54,994, 27% less than in Harris County as a whole ($74,983).

  4. The typical rent in Cloverleaf is $1,155 a month, 18% less than in Harris County as a whole ($1,401).

  5. 62% of households in Cloverleaf own their home, against 55% in Harris County.

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

The homes here

Housing in Cloverleaf

What homes there are in Cloverleaf, 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

The detached house is the most common home in Cloverleaf: 55% of homes, near the figure in Harris County (57%).

Mobile homes are 32% of homes in Cloverleaf, more than in Harris County (3%).

Year built

The typical home in Cloverleaf was built in 1979, 9 years before the typical one in Harris County.

In Cloverleaf, 74% of homes have 3 bedrooms or more, more than in Harris County (57%).

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

The FHA limit for Harris County is high ($541,287): at least 100% of owner-occupied homes in Cloverleaf are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,746 a month

Harris County: $2,155 a month

Without a mortgage

$652 a month

Harris County: $744 a month

Owners with a mortgage

44%

Harris County: 57%

In Cloverleaf, 44% of owners have a mortgage, and their typical cost is $1,746 a month, against $2,155 in Harris County. Without one it drops to $652.

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

The boundaries of Cloverleaf changed since 2015–2019, so the Census does not compare its figures from then and now. In Harris County, the typical home value rose 57%.

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

MeasureCloverleafHarris CountyTexasUnited States
Rental vacancy Unreliable estimate9.3%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room 8.4%6.6%4.8%3.4%
People per household 3.522.732.692.53
Drive alone 70%70%71%69%
Carpool 22%11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 5%13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Cloverleaf: 8.4% have more than one person per room; in Harris County, 6.6%.

More people live in each home here: 3.52 on average, against 2.73 in Harris County.

Carpooling is common in Cloverleaf: 22% of workers get to work that way, against 11% in Harris County.

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 Cloverleaf?

A typical home is tight for the typical income

We start with a typical home in Cloverleaf, worth $169,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Cloverleaf, which is $54,994 a year. For that payment to be 28% of income, a household would need to earn about $63,314 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cloverleaf. 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 $5,936 (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

$1,477

at 7.18% · 30 years

Loan amount
$166,528
Total interest
$239,595
Paid off in
November 2056

Includes $2,864 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,283 a month

  • Tight

    $1,283 to $1,650 a month

    Your payment · 32%

  • Hard

    more than $1,650 a month

Compared with the typical household income in Cloverleaf ($54,994 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,477
Principal & interest$1,128
Property tax$204
Home insurance$71
FHA mortgage insurance (MIP)$75

You need at least $5,936 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

Cloverleaf and Harris County

Cloverleaf is in Harris County, Texas. 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).

Cloverleaf's own numbers

Typical home value
$169,600
Typical monthly rent
$1,155
Typical yearly household income
$54,994
Households that own their home
62%
Effective property tax rate
1.44%

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

Numbers for all of Harris County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
9.1%

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 Harris County.

Everything about Harris County

Buying

Buying a home in Cloverleaf

A typical home in Cloverleaf is worth $169,600: 39% below the county and 40% below Texas. With the typical household income in Cloverleaf ($54,994 a year), a typical home costs 3.1 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.

  • Cloverleaf 3.1 years
  • Harris 3.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harris County

According to FHFA’s house price index, home prices in Harris County rose 54% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +31% +44% +47%
10 years (2015–2025) +54% +88% +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

Cloverleaf next to Harris County, Texas and the U.S.

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

Typical home value
  • Cloverleaf $169,600
  • Harris $276,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Cloverleaf $1,155
  • Harris $1,401
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Cloverleaf $54,994
  • Harris $74,983
  • Texas $78,476
  • United States $80,734
See the full table
Cloverleaf next to Harris County and Texas
Measure Cloverleaf Harris County Texas U.S.
Typical home value $169,600 $276,600 $283,800 $332,700
Typical monthly rent $1,155 $1,401 $1,403 $1,413
Typical yearly household income $54,994 $74,983 $78,476 $80,734
Households that own their home 62% 55% 63% 65%
Typical yearly property tax $2,434 $4,489 $4,232 $3,119
Effective property tax rate 1.44% 1.62% 1.49% 0.94%
Renters with high rent for their income 56% 54% 52% 51%

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

For a typical $169,600 home in Cloverleaf, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cloverleaf's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,477a month

    Least cash to close
    Down payment
    $5,936
    Cash to close
    $11,024
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $75

  • Conventional, 5% down $1,446a month

    Down payment
    $8,480
    Cash to close
    $13,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $81

  • Conventional, 20% down, no PMI $1,193a month

    Down payment
    $33,920
    Cash to close
    $39,008
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,350a month

    Down payment
    $25,440
    Cash to close
    $30,528
    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 Cloverleaf and for Harris County.

Property tax

Effective rate in Cloverleaf

1.44%of the home’s value each year

$2,434 a year for the typical owner in Cloverleaf.

  • Cloverleaf 1.44%
  • Harris 1.62%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Harris County

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

Homes in the high-risk zone
9.1%
113,215
Of those, with NFIP insurance
48%
County Texas U.S.
Homes in the high-risk zone 9.1% 4.1% 3.5%
Of those, with NFIP insurance 48% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cloverleaf

Typical rent in Cloverleaf is $1,155 a month: 18% below the county. In Cloverleaf, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harris County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 an hour working full time.

HUD fair market rent for all of Harris 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 $1,233 $23.71 $49,320
1 bedroom $1,261 $24.25 $50,440
2 bedrooms $1,497 $28.79 $59,880
3 bedrooms $2,017 $38.79 $80,680
4 bedrooms $2,502 $48.12 $100,080

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 Cloverleaf

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cloverleaf is in ZIP code 77015.

For 2 bedrooms it is $1,330: $167 less than the fair market rent for Harris County ($1,497).

  • 77015 $1,330$1,790

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

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 13 HUD-approved agencies with an office in Harris County; 8 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Cloverleaf

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

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit

    See the program Official page

Housing counselors near Cloverleaf

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

  • Keystone Community Development Corporation

    309 W X St, Deer Park · 7 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (281) 476-3592

  • Fifth-Ward Community Redevelopment Corp.

    4300 Lyons Ave Ste 300, Houston · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (713) 674-0175

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (713) 640-3743

Every agency in Harris County All counseling agencies in Texas

Help in Spanish near Cloverleaf

2 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 Cloverleaf

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

3 other authorities have an office in Harris County: see the list Source: HUD

Cities

Other cities in Harris County

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

Everything about Harris County Housing in Texas
See 9 more cities in Harris County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Harris 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 Cloverleaf.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Cloverleaf

Short answers with the numbers for Cloverleaf and all of Harris 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 Cloverleaf?

The typical home value in Cloverleaf is $169,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harris County it is $276,600.

How much does it cost to rent in Cloverleaf?

Typical rent in Cloverleaf is $1,155 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harris County is $1,497.

What is the FHA loan limit in Cloverleaf?

Cloverleaf uses the FHA limit for all of Harris 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 Cloverleaf?

The typical homeowner in Cloverleaf pays $2,434 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Harris County, the rate is 1.62%.

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

There are 13 HUD-approved counseling agencies with an office in Harris County. 8 say they serve 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).