Total monthly cost of ownership
Cost to Own a Home in Clarinda, Iowa
A $112,000 home here costs
$1,059per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $576. The real number is $483 higher every month — 84% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Clarinda against Page County and Iowa
| Measure | Clarinda | Page County |
|---|---|---|
| Median home value | $112,200 | $120,000 |
| Median property tax | $1,755 | $1,721 |
| Effective tax rate | 1.564% | 1.434% |
| Median gross rent | $653 | $731 |
| Population | 5,366 | 15,168 |
The weather behind that power bill
Clarinda sits in Page County, which averages a high of 85.8°F in its hottest month and a low of 11.9°F in its coldest, with 36.65" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 965 cooling and 6,292 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Page County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Page County
Common questions
How much does it cost to own a home in Clarinda?
A $112,000 home in Clarinda, Iowa costs approximately $1,059 per month with 20% down at 6.66%. That is $576 principal and interest, $146 property tax, $49 homeowners insurance, $195 utilities and $93 set aside for maintenance.
What is the property tax rate in Clarinda?
Clarinda has an effective property tax rate of 1.564%, based on a median home value of $112,200 and median real estate taxes of $1,755. That is higher than the Page County average of 1.434%.
What is the average home price in Clarinda?
The median owner-occupied home value in Clarinda, Iowa is $112,200, against $120,000 across Page County.
Is it cheaper to rent or buy in Clarinda?
Median gross rent in Clarinda is $653 a month, against $1,059 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Clarinda — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Iowa.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.