What is a house worth in Clearfield right now?
The typical Clearfield home is worth about $425,613 as of June 30, 2026, per the Zillow Home Value Index, up 2.0% over the past year.
That makes Clearfield one of the most affordable I-15 cities in Davis County, where the countywide median single family price was $568,450 in Q2 2026 per the Salt Lake Board of Realtors. Affordability keeps buyer demand steady, and the 2026 FHA loan limit of $744,050 for Davis County covers nearly every home in the city, so FHA appraisal work is common here. A certified appraisal tells you what your specific house value is, not what an algorithm guesses.
“Hill AFB sets the rhythm of the Clearfield market. An appraiser who works the west gate every week knows which streets carry a premium and which do not.”
What drives property value in Clearfield?
Hill Air Force Base drives Clearfield more than any other factor. The city sits at the west gate of the base and rebranded itself Utah's Military City in 2024. Military and civilian personnel create constant rental and purchase demand, including VA and FHA buyers. The Freeport Center, a former World War II naval depot turned major manufacturing and distribution complex, anchors the local job base.
Housing runs from postwar ramblers and split entry homes near State Street (SR-126) to newer townhomes and apartments, with the Legend Hills area off I-15 adding mixed use retail, offices, and new residential. The city grew 8% between 2020 and 2023 to 34,470 residents, second fastest in Davis County, and planned development around the Clearfield FrontRunner station points to more. When Weston appraises in Clearfield, he separates base proximity, product type, and condition, because a remodeled rambler near the west gate and a dated flip two blocks away are not the same comp.
When do you need a home appraisal in Clearfield?
Most Clearfield appraisals are ordered for a mortgage: a purchase or refinance appraisal, often FHA or VA given the Hill AFB workforce. Apex is FHA approved. Homeowners also order appraisals to remove PMI, since the CFPB confirms you can request cancellation once your loan reaches 80% of original value, and rising Clearfield prices help many owners get there early. Other common needs: estate and date of death appraisals, divorce appraisals, pre listing appraisals before you set a price, and evidence for a Davis County property tax appeal.
Questions people ask us in Davis County
What is my house worth in Clearfield?
The typical Clearfield home is worth about $425,613 per Zillow (June 30, 2026), but that is a citywide index, not your house. A certified residential appraiser inspects your home, selects real Clearfield sales as comps, and adjusts for condition, updates, and location. Call Apex Appraising at (801) 403-7723 for a defensible number.
What is the FHA loan limit in Davis County for 2026?
The 2026 FHA loan limit for a single unit home in Davis County, including Clearfield, is $744,050. That is well above the typical Clearfield home value, so almost any house in the city can be financed FHA. FHA loans require an appraisal by an FHA approved appraiser. Weston Groll at Apex Appraising is FHA approved.
How do I remove PMI on my Clearfield home?
Under federal rules cited by the CFPB, you can ask your servicer to cancel PMI once your loan balance hits 80% of the home's original value, and servicers often require a current appraisal as evidence. With Clearfield values up again this year, many owners qualify sooner than they expect. A PMI removal appraisal usually pays for itself within months.
How long does a home appraisal take in Clearfield?
The inspection itself typically takes under an hour. The full report takes a few days: Apex Appraising averaged under 5 days from order to delivery in 2026 and delivered 100% of reports on time in 2025. If you are on a lender deadline or a court date, tell us up front and we will schedule around it.