Total monthly cost of ownership
Cost to Own a Home in Clovis, California
A $453,000 home here costs
$3,481per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,329. The real number is $1,152 higher every month — 49% 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.
Clovis against Fresno County and California
| Measure | Clovis | Fresno County |
|---|---|---|
| Median home value | $453,300 | $362,600 |
| Median property tax | $4,047 | $2,704 |
| Effective tax rate | 0.893% | 0.746% |
| Median gross rent | $1,662 | $1,300 |
| Population | 122,719 | 1,012,152 |
The weather behind that power bill
Clovis sits in Fresno County, which averages a high of 97.7°F in its hottest month and a low of 39.8°F in its coldest, with 10.99" of precipitation a year and 55% of it in a single three-month stretch. That climate drives 2,209 cooling and 2,187 heating degree days, which is what sets the $299 electricity line above.
See the full climate breakdown for Fresno County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fresno County
Full Fresno County cost breakdown · Every county in California
Common questions
How much does it cost to own a home in Clovis?
A $453,000 home in Clovis, California costs approximately $3,481 per month with 20% down at 6.66%. That is $2,329 principal and interest, $337 property tax, $70 homeowners insurance, $367 utilities and $378 set aside for maintenance.
What is the property tax rate in Clovis?
Clovis has an effective property tax rate of 0.893%, based on a median home value of $453,300 and median real estate taxes of $4,047. That is higher than the Fresno County average of 0.746%.
What is the average home price in Clovis?
The median owner-occupied home value in Clovis, California is $453,300, against $362,600 across Fresno County.
Is it cheaper to rent or buy in Clovis?
Median gross rent in Clovis is $1,662 a month, against $3,481 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 Clovis — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for California.
- 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.