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City · 33,523 residents · Davis County, Utah

Clearfield , Utah

In Clearfield, a typical home is worth $373,900 and typical rent is $1,579 a month. Compared with all of Davis County, typical household income is 32% lower, the typical home value is 26% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $373,900

    26% below the county

    24% below Utah

    • Clearfield
    • Davis
    • Utah

  • Typical rent

    $1,579a month

    3% below the county

    6% above Utah

    • Clearfield
    • Davis
    • Utah

  • Typical household income

    $75,495a year

    32% below the county

    21% below Utah

    • Clearfield
    • Davis
    • Utah

  • Households that own their home

    59%

    19 points below the county

    12 points below Utah

    • Clearfield
    • Davis
    • Utah

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

Market now, with Zillow data

Zillow data
Typical home value
$416,284
1.3% more than 12 months ago
Typical rent
$1,649 a month
2.4% more than 12 months ago

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

Clearfield is in Davis County. The FHA loan limit ($744,050 for a one-unit home), the fair market rents and the help on this page are those of all of Davis 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. 59% of households in Clearfield own their home, against 77% in Davis County.

  2. The typical household income in Clearfield is $75,495, 32% less than in Davis County as a whole ($110,884).

  3. Nearby, in Sunset, the typical rent is $1,156: 27% less than in Clearfield ($1,579).

  4. The typical home in Clearfield is worth $373,900, 26% less than in Davis County as a whole ($505,500).

  5. 9% of households in Clearfield have no internet at home (3% in Davis County).

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

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

In Clearfield, 6 in 10 homes are single-family detached houses; in Davis County, 7.

Mobile homes are 6% of homes in Clearfield, more than in Davis County (3%).

Year built

The typical home in Clearfield was built in 1989, 4 years before the typical one in Davis County.

Homes in Clearfield are smaller: 65% have 3 bedrooms or more; in Davis County, 80%.

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

About 99% of owner-occupied homes in Clearfield are worth less than the FHA loan limit for Davis County ($744,050).

Monthly rent with utilities

With a mortgage

$1,611 a month

Davis County: $2,047 a month

Without a mortgage

$411 a month

Davis County: $574 a month

Owners with a mortgage

74%

Davis County: 71%

The typical cost for an owner with a mortgage in Clearfield is $1,611 a month, less than in Davis County ($2,047); without one, $411.

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 92%; in Davis County, it rose 74%.

Rents in Clearfield rose at about the same pace as in Davis County: 44% since 2015–2019, against 47%.

The typical household income in Clearfield rose 25%: less than home values (+92%) and rent (+44%).

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

MeasureClearfieldDavis CountyUtahUnited States
Rental vacancy 7.1%5.3%5.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room 4.4%2.6%3.1%3.4%
People per household 2.953.182.972.53
Drive alone 73%71%67%69%
Carpool 10%8%10%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 13%18%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutesUnreliable estimate20 to 29 minutes

The rental vacancy rate in Clearfield is 7.1%, higher than in Davis County (5.3%).

More households are short on space in Clearfield: 4.4% have more than one person per room; in Davis County, 2.6%.

Fewer people live in each home here: 2.95 on average, against 3.18 in Davis County.

In Clearfield, 73% of workers drive alone to work; in Davis County, 71%.

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 costs more than the typical income allows

We start with a typical home in Clearfield, worth $373,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Clearfield, which is $75,495 a year. For that payment to be 28% of income, a household would need to earn about $127,697 a year.

The calculator's FHA and conventional loan limits are those of all of Davis 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 $13,087 (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

$2,980

at 7.18% · 30 years

Loan amount
$367,127
Total interest
$528,210
Paid off in
November 2056

Includes $6,314 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,762 a month

  • Tight

    $1,762 to $2,265 a month

  • Hard

    more than $2,265 a month

    Your payment · 47%

Compared with the typical household income in Clearfield ($75,495 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,980
Principal & interest$2,487
Property tax$171
Home insurance$156
FHA mortgage insurance (MIP)$165

You need at least $13,087 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 Davis County

Clearfield is in Davis County, Utah. 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
$373,900
Typical monthly rent
$1,579
Typical yearly household income
$75,495
Households that own their home
59%
Effective property tax rate
0.55%

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

Numbers for all of Davis County

FHA limit, one-unit home
$744,050
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,591
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.4%

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 Davis County.

Everything about Davis County

Buying

Buying a home in Clearfield

A typical home in Clearfield is worth $373,900: 26% below the county and 24% below Utah. With the typical household income in Clearfield ($75,495 a year), a typical home costs 5.0 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.

  • Clearfield 5.0 years
  • Davis 4.6 years
  • Utah 5.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Davis County

According to FHFA’s house price index, home prices in Davis County rose 119% in the 10 years through 2025.

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

Period County Utah U.S.
Last year (2025) +2.0% +2.4% +2.9%
5 years (2020–2025) +50% +53% +47%
10 years (2015–2025) +119% +121% +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 Davis County, Utah and the U.S.

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

Typical home value
  • Clearfield $373,900
  • Davis $505,500
  • Utah $489,400
  • United States $332,700
Typical monthly rent
  • Clearfield $1,579
  • Davis $1,621
  • Utah $1,496
  • United States $1,413
Typical yearly household income
  • Clearfield $75,495
  • Davis $110,884
  • Utah $95,166
  • United States $80,734
See the full table
Clearfield next to Davis County and Utah
Measure Clearfield Davis County Utah U.S.
Typical home value $373,900 $505,500 $489,400 $332,700
Typical monthly rent $1,579 $1,621 $1,496 $1,413
Typical yearly household income $75,495 $110,884 $95,166 $80,734
Households that own their home 59% 77% 70% 65%
Typical yearly property tax $2,063 $2,665 $2,525 $3,119
Effective property tax rate 0.55% 0.53% 0.52% 0.94%
Renters with high rent for their income 53% 47% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Davis 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 $373,900 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 $2,980a month

    Least cash to close
    Down payment
    $13,087
    Cash to close
    $24,304
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $165

  • Conventional, 5% down $2,911a month

    Down payment
    $18,695
    Cash to close
    $29,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $178

  • Conventional, 20% down, no PMI $2,354a month

    Down payment
    $74,780
    Cash to close
    $85,997
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,699a month

    Down payment
    $56,085
    Cash to close
    $67,302
    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 Davis County.

Property tax

Effective rate in Clearfield

0.55%of the home’s value each year

$2,063 a year for the typical owner in Clearfield.

  • Clearfield 0.55%
  • Davis 0.53%
  • Utah 0.52%

What Utah publishes Primary residential exemption (45 percent of value) (Utah State Legislature (Utah Code))

Exemptions and deadlines in Utah

Flood risk in Davis County

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

Homes in the high-risk zone
0.4%
405
Of those, with NFIP insurance
11%
County Utah U.S.
Homes in the high-risk zone 0.4% 0.8% 3.5%
Of those, with NFIP insurance 11% 16% 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 $1,579 a month: 3% below the county. In Clearfield, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Davis County, by unit size. To pay the 2-bedroom one ($1,591 a month) without spending more than 30% of your income, you would need to earn $30.60 an hour working full time.

HUD fair market rent for all of Davis 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 $1,184 $22.77 $47,360
1 bedroom $1,251 $24.06 $50,040
2 bedrooms $1,591 $30.60 $63,640
3 bedrooms $2,132 $41.00 $85,280
4 bedrooms $2,550 $49.04 $102,000

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 84015.

For 2 bedrooms it is $1,630: $39 more than the fair market rent for Davis County ($1,591).

  • 84015 $1,630$2,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for 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 11 buildings with rents for lower incomes in Clearfield. These are the largest.

  • Heather Estates I 25 E 1800 S, Clearfield 84015 108 low-income homes · 2 bd: 36 · 3 bd: 72 · In service since 1997
  • Oakstone Apts. 1550 S 1000 E, Clearfield 84015 210 homes, 105 low-income · 3 bd: 140 · 4 bd: 70 · In service since 1999
  • Holly Haven 1084 S 1000 E, Clearfield 84015 84 low-income homes · For families (801) 776-2210
  • Holly Haven Apts. 1098 S 1000 E, Clearfield 84015 84 low-income homes · 1 bd: 60 · 2 bd: 24 · In service since 2002 · For older adults
  • Lakeview Heights Apartments 1755 S 200 E, Clearfield 84015 84 homes, 83 low-income · 3 bd: 83 · In service since 2019 · For families (801) 774-5588

See all 35 buildings in Davis 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 Davis County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

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 Davis County. The ones below are statewide in Utah: they work in Clearfield the same as in the rest of the state.

Which programs do I qualify for? All programs in Utah

  • Utah Housing Down Payment Assistance Second Mortgage

    Statewide in Utah

    Utah state agency second mortgage for the down payment or closing costs alongside its first mortgage: up to 6% of the loan with monthly payments, or up to 3.5% at 3.5% with deferred interest and no payments; capped at $27,500. Offered by Utah Housing Corporation (UHC).

    RepayableDeferred

    See the program Official page

  • First-time Homebuyer Assistance Program

    Statewide in Utah

    Utah state loan, run by Utah Housing, of up to $20,000 with no interest or monthly payments for the down payment, closing costs or a lower rate; only for first-time buyers of a newly built home with a Utah Housing mortgage. Offered by Utah Housing Corporation (UHC).

    Deferred

    See the program Official page

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.

  • Utah State University-Weber County Extension

    1181 North Fairgrounds Drive, Ogden · 13 miles away

    • Homebuyer education workshops
    801-399-8200-8013

  • Community Development Corporation of Utah

    501 E 1700 S, Salt Lake City · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    801-994-7222x200

  • Utah State University-Salt Lake County Extension

    2001 South State Street, Salt Lake City · 26 miles away

    • Homebuyer education workshops
    (385) 468-4830

All counseling agencies in Utah

Help in Spanish near Clearfield

1 of the 3 agencies on this list says it serves 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

In HUD’s record, no housing authority with an office in Davis County is named for Clearfield or Davis County.

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

Cities

Other cities in Davis County

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

Everything about Davis County Housing in Utah
See 2 more cities in Davis County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Davis 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 smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Clearfield

Short answers with the numbers for Clearfield and all of Davis 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 $373,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Davis County it is $505,500.

How much does it cost to rent in Clearfield?

Typical rent in Clearfield is $1,579 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Davis County is $1,591.

What is the FHA loan limit in Clearfield?

Clearfield uses the FHA limit for all of Davis County (2026): $744,050 for a one-unit home and $1,430,900 for a four-unit home.

How much property tax do owners pay in Clearfield?

The typical homeowner in Clearfield pays $2,063 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Davis County, the rate is 0.53%.

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

We found no HUD-approved counseling agencies with an office in Davis 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).