Total monthly cost of ownership
Cost to Own a Home in Clive, Iowa
A $379,000 home here costs
$3,115per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,948. The real number is $1,166 higher every month — 60% 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.
Clive against Polk County and Iowa
| Measure | Clive | Polk County |
|---|---|---|
| Median home value | $379,000 | $248,400 |
| Median property tax | $5,887 | $4,364 |
| Effective tax rate | 1.553% | 1.757% |
| Median gross rent | $1,099 | $1,113 |
| Population | 18,776 | 497,441 |
Clive extends across 2 counties. Figures here use Polk County, where most of its housing sits.
The weather behind that power bill
Clive sits in Polk County, which averages a high of 85.7°F in its hottest month and a low of 11.7°F in its coldest, with 37.05" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 958 cooling and 6,547 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Polk County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Polk County
Common questions
How much does it cost to own a home in Clive?
A $379,000 home in Clive, Iowa costs approximately $3,115 per month with 20% down at 6.66%. That is $1,948 principal and interest, $490 property tax, $165 homeowners insurance, $195 utilities and $316 set aside for maintenance.
What is the property tax rate in Clive?
Clive has an effective property tax rate of 1.553%, based on a median home value of $379,000 and median real estate taxes of $5,887. That is lower than the Polk County average of 1.757%.
What is the average home price in Clive?
The median owner-occupied home value in Clive, Iowa is $379,000, against $248,400 across Polk County.
Is it cheaper to rent or buy in Clive?
Median gross rent in Clive is $1,099 a month, against $3,115 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 Clive — 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.