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Buying your first home in Clinton, 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 $400K median home market in Clinton.
Nearby Coverage
Buying your first home in Clinton 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 $400,000 and homes averaging 24 days on market, Clinton moves at a pace that requires pre-approval, clear priorities, and an agent who knows the area. First-time buyers in Clinton often work near Hill Air Force Base or Davis School District, earning around the Clinton median household income of $76,000. 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.
Clinton is a bedroom community timed to Hill AFB shifts. City parks and Davis School District rec leagues are heavily used after work. The 2000 West corridor handles daily errands with grocery stores, fast food, and a handful of sit-down restaurants. Weekends might mean a drive to Antelope Island, a trip to Layton Hills Mall, or a backyard barbecue with neighbors. Clinton Days in August features a 5K, parade, and fireworks. Running groups, cycling clubs, and a growing trail network along the canal paths are local amenities.
Median Home Price
$400K
Median Rent
$1,450/mo
Population
24,000
Annual Growth
2.5%
Avg Days on Market
24
Owner-Occupied
75%
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: Clinton Elementary, Sunset Junior High, Clearfield High School
Growing suburban city west of I-15 between Clearfield and West Point on the former lakebed plain.
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.
Hill AFB is Clinton's economic engine. Active-duty military, civilian DOD employees, and contractors from Northrop Grumman, Boeing, and L3Harris form a substantial portion of the renter pool. Military relocations create predictable turnover cycles, typically summer PCS moves, which experienced investors plan for by timing lease expirations to align with incoming personnel. BAH (Basic Allowance for Housing) rates for the area support competitive rents, and military tenants often maintain properties to a high standard.
Many of Clinton's newer subdivisions have active HOAs with monthly dues ranging from $30–$75. These typically cover common area maintenance, entry features, and sometimes trail access. For investors, HOA rules may restrict rentals (some cap the percentage of rentals in a community), require architectural approval for exterior changes, or mandate specific landscaping standards. Always review CC&Rs before closing, some Clinton HOAs have become more restrictive in recent years as homeowner sentiment shifts.
Clinton to downtown SLC is about 35–45 minutes via I-15, depending on traffic. The Clearfield FrontRunner station is a 10-minute drive and offers rail service to SLC in approximately 50 minutes. Many Clinton residents who work in SLC use FrontRunner daily, which is a selling point for renters who want suburban living without two-car dependency. UTA bus routes also connect Clinton to the FrontRunner station.
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