Cost of Living in Clearfield, UT

Homes For Sale In Clearfield, UT

An Overview of Cost of Living in Clearfield, UT

Knowing the cost of living in Clearfield allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Clearfield stands at 104, marking it 4% higher than the national average.

The cost of living in Clearfield is about average when compared to all other cities across the nation. You can expect that everyday items like food, goods and services and utility bills will be no more expensive than any other average city. Residents can anticipate living expenses that remain in line with the national average, ensuring a manageable financial burden, making it an attractive choice for those seeking affordability without the constraints of higher everyday expenditures.

Housing costs significantly influence the Clearfield cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 20.8%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

Is Clearfield Affordable?

Is Clearfield affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Clearfield, the median home price is 22.8% higher than the national average and monthly rent prices are 16.1% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Clearfield boasting a median household income of $93,491, 14.9% higher than the national average.

What Factors can Influence the Cost of Living in Clearfield?

Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Clearfield, the groceries index is 2.5% lower than the national average.

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Clearfield, the healthcare costs are 8.9% lower than the national average.

Where is the Data From?

The Clearfield cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

Most Affordable Places to Live in and Around Clearfield

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Median Income & Debt-To-Income Ratio

A good indicator of the general affordability of housing in Clearfield, UT, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Clearfield, the median monthly income is $110,244 for those who own their own homes. Under the standard rule, that income level would allow for $2,572 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $67,931, per the median income in the area. That would allow for renters to spend up to $1,585 on monthly rental expenses.

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Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

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Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.