Total monthly cost of ownership
Cost to Own a Home in Clearfield, Pennsylvania
A $101,000 home here costs
$1,036per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $519. The real number is $516 higher every month — 99% 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.
Clearfield against Clearfield County and Pennsylvania
| Measure | Clearfield | Clearfield County |
|---|---|---|
| Median home value | $100,800 | $125,000 |
| Median property tax | $1,637 | $1,488 |
| Effective tax rate | 1.624% | 1.190% |
| Median gross rent | $686 | $788 |
| Population | 5,918 | 78,902 |
The weather behind that power bill
Clearfield sits in Clearfield County, which averages a high of 82.1°F in its hottest month and a low of 17.8°F in its coldest, with 40.34" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 491 cooling and 6,391 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Clearfield County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clearfield County
Full Clearfield County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Clearfield?
A $101,000 home in Clearfield, Pennsylvania costs approximately $1,036 per month with 20% down at 6.66%. That is $519 principal and interest, $137 property tax, $34 homeowners insurance, $262 utilities and $84 set aside for maintenance.
What is the property tax rate in Clearfield?
Clearfield has an effective property tax rate of 1.624%, based on a median home value of $100,800 and median real estate taxes of $1,637. That is higher than the Clearfield County average of 1.190%.
What is the average home price in Clearfield?
The median owner-occupied home value in Clearfield, Pennsylvania is $100,800, against $125,000 across Clearfield County.
Is it cheaper to rent or buy in Clearfield?
Median gross rent in Clearfield is $686 a month, against $1,036 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 Clearfield — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Pennsylvania.
- 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.