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Buying your first home in Clearfield, Utah: down payment assistance, what you need at closing, and the current median price and days on market.
Ondo pairs neighborhood-level pricing, prep, and negotiation support with the realities of a $375K median home market in Clearfield.
Buying your first home in Clearfield is one of the biggest financial decisions you'll make, and the local market rewards buyers who are prepared. With a median home price of $375,000 and homes averaging 20 days on market, Clearfield moves at a pace that requires pre-approval, clear priorities, and an agent who knows the area. First-time buyers in Clearfield often work near Hill Air Force Base or Freeport Center, earning around the Clearfield median household income of $60,000. Utah Housing Corporation offers down payment assistance grants and second mortgages that can cover your 3.5% FHA or 3% conventional down payment, making homeownership possible sooner than you think.
Clearfield's daily rhythm is set by the FrontRunner schedule and Hill AFB shift changes. Commuters walk or bike to the station for SLC office jobs; Hill AFB is a short drive. State Street handles daily errands, groceries, pharmacies, and fast-casual dining. Steed Park is the recreational anchor with a splash pad, sports fields, and summer concerts. Weekends might include a FrontRunner ride to a SLC event, a Freeport Center warehouse sale, or a trip to nearby Antelope Island. Clearfield's Heritage Festival in summer combines a car show, live music, and food vendors in the city park.
Median Home Price
$375K
Median Rent
$1,400/mo
Population
33,000
Annual Growth
1.6%
Avg Days on Market
20
Owner-Occupied
58%
Ondo city medians as of Aug 2026 — verify. Not an MLS pull, appraisal, BPO, or CMA. Population and annual growth are approximate and are not tied to a named public source here. Check the U.S. Census Bureau for official figures.
We review your income, savings, credit, and monthly expenses to determine a realistic home budget. We explore all available programs: FHA, conventional, VA, USDA, and Utah Housing down payment assistance: to find the combination that minimizes your out-of-pocket costs.
Using your budget and priorities, we search for homes that match your needs. Our agents provide local insight on neighborhoods, commute patterns, school quality, and resale value. When you find the right home, we craft a competitive offer strategy.
We guide you through home inspection, negotiate any needed repairs, coordinate your loan closing, and ensure you understand every document you sign. From offer to keys, we're with you at every step.
School District: Davis School District
Notable schools: Clearfield High School, North Davis Junior High, Holt Elementary
Military-influenced city directly south of Hill Air Force Base with FrontRunner commuter rail access.
Outdoor Activities
Local Landmarks
It depends on your loan type and whether you qualify for down payment assistance. FHA loans require 3.5% down, conventional loans start at 3%, VA loans require zero down, and USDA loans require zero down in eligible areas. Utah Housing Corporation offers grants and forgivable second mortgages that can cover your entire down payment and some closing costs. We help you identify every available program to minimize your out-of-pocket costs.
Ask a lender about a documented pre-approval before you shop. A letter can clarify a budget range and which programs might fit. It does not tell you that you will qualify or lock a payment. Sellers often want to see a letter. We can connect you with lenders who work with first-time buyer programs.
From pre-approval to closing typically takes 45–90 days, depending on how quickly you find a home and your loan type. The home search itself varies, some buyers find a home in a week, others take several months. Once you're under contract, expect 30–45 days to close for conventional and FHA loans, and 45–60 days for VA and USDA loans. We set realistic timelines based on your specific situation.
Plan for closing costs (2–4% of the purchase price), home inspection ($350–500), appraisal fee ($400–600), homeowner's insurance (first year paid at closing), and moving expenses. Some of these costs can be negotiated as seller concessions. We provide a detailed cost estimate early in the process so there are no surprises.
The FrontRunner station is a significant amenity, tenants working in downtown SLC or at the University of Utah can commute car-free in about 55 minutes. Properties within walking or biking distance of the station often command a premium from applicants who want a car-optional commute. As UTA expands service frequency, this advantage should compound. Marketing listings with transit accessibility scores and commute times is effective.
Clearfield has approved plans for mixed-use development around the FrontRunner station, including higher-density residential, retail, and office space. This is a long-term play, construction timelines depend on market conditions and developer commitments. For investors, the transit-oriented development could lift surrounding property values but also introduce new rental supply. Positioning now in the station-adjacent area offers potential appreciation upside, though the timeline is uncertain.
Parts of Clearfield, particularly the western sections, fall within Hill AFB noise contours from military flight operations. F-35 training flights generate significant noise, especially during summer flying schedules. Properties in the higher noise zones may require disclosure and can experience slightly longer lease-up times. Conversely, they're often priced lower, which improves cash-on-cash returns. Many military tenants are accustomed to the sound and view it as a non-issue.
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