Clearfield, Kentucky.
Typical home $150,210 (-8.7% in a year).
to buy the typical home at today's mortgage rate — +$440 (+126%) since Jan 2020.
- 1 year
- Down $14,356 -9%
- $164,566$150,210 since Sep 2025
- 5 years
- Up $33,443 +29%
- $116,767$150,210 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Clearfield$788
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Clearfield, KY fell 8.7% over the past year — slower than the nation's +1.2%.
Living in Clearfield, Rowan County, Kentucky
The Census does not count Clearfield on its own, so the figures here are Rowan County's. Half the county's households earn more than $54,321 a year and half less; 24% of the county's people live below the poverty line. 62% of the county's homes are lived in by their owners and 38% are rented. Unemployment in Rowan County was 5.1% in August 2026, and the county had 1.3% more jobs in 2025 than the year before. The most people in Rowan County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Clearfield sits in Rowan County, where the typical resident is younger than in most of the country. Across the county, most homes are lived in by their owners, though a larger share of residents rent than is usual nationally. Household incomes run lower than the national median, and more people live below the poverty line than in most of the country. Winters are cold, summers are warm, and it is a wetter place than most of the country, though its snowfall is light for a northern-state comparison.
Work. Residents work mostly in schools, hospitals and social care, retail, restaurants, hotels and entertainment, and manufacturing. Unemployment is lower than it was a year earlier, and jobs grew slightly in the past year. Fewer adults hold a four-year degree than in most of the country, and few people work from home, so most commute to a workplace, usually for a fairly short trip.
Things to do. Cave Run Lake, a reservoir, is a short drive away, and the Kentucky Folk Art Center, a museum, is also a short drive away. For a longer outing, Carter Caves State Resort Park, a protected area, and the Red River Gorge, another protected area, are both a longer drive away.
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- 9,592households
- 31.7median age
- 26%of adults have a degree
- 24%below the poverty line
- 25 mintypical commute
- 8%work from home
What people in Rowan County work in
Employed residents by industry, from the Census survey. Rowan County had 10,626 jobs in 2025, 1.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 24°; warmest in July, with highs near 86° and lows near 64°. About 12 inches of snow and 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cave Run Lake weather station, 8 miles away (NOAA).
Largest workplaces in Rowan County
- Morehead State UniversityUniversity or college992
- St. Claire Medical CenterGeneral hospital954FTE
- Rowan County SchoolsSchool district483FTE
- WalmartWarehouse clubs and supercenters374
- Family Dollar, LLC DC205General warehousing and storage297
- Commonwealth CooperageCooperage manufacturing257
- Mastronardi MoreheadTomato farming, grown under cover200
- Regal RexnordBearings, ball and roller, manufacturing159
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 23 workplaces with 20 or more staff, 3,838 people in all. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively moderate
- Winter weatherRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Rowan County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Rowan County.
Clearfield home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Clearfield$150,210
- Kentucky$230,909
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Clearfield7
Zip codes with a Clearfield address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Clearfield — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.