1st Advantage MortgageIn Clearfield County, Pennsylvania, the typical household earns $62,152 a year and the typical rent is $791. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Pennsylvania license first.
On this page
- Clearfield County by the numbers
- Income in Clearfield County compared with Pennsylvania
- Work, industries and travel time in Clearfield County
- Housing costs in Clearfield County
- Clearfield County towns compared
- Neighboring counties at a glance
- What a median Clearfield County budget can carry
- What the numbers mean for Clearfield County borrowers
- Clearfield County residents: age, schooling, coverage
- Steps before you apply in Clearfield County
- Who licenses lenders for Clearfield County residents
- Nearby and statewide guides
- Frequently asked questions
Clearfield County by the numbers
Roughly 78,635 residents live in Clearfield County, Pennsylvania, 36th by population among the state's 67 counties and county equivalents. It covers 1,145 square miles of land, or about 69 people per square mile. No metropolitan area includes Clearfield County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 31 places in the county (19 incorporated, 12 census-designated); the largest is DuBois, with about 7,402 residents, or 9% of the county.
Income in Clearfield County compared with Pennsylvania
Half of Clearfield County households take in less than $62,152 a year and half take in more, 20% below the Pennsylvania median of $77,971.
| Yearly household income | Clearfield County | Gap to Pennsylvania |
|---|---|---|
| Under $35,000 | 26.6% | +4.6 pts |
| $35,000 to $99,999 | 47.8% | +8.7 pts |
| $100,000 to $199,999 | 21.4% | -5.6 pts |
| $200,000 or more | 4.2% | -7.6 pts |
About 27% of households earn under $35,000, while 26% clear $100,000. 14.6% of residents fall below the federal poverty line (statewide: 11.7%). None of these numbers decides a Clearfield County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Clearfield County
The biggest employer of Clearfield County residents, by industry, is education and health care at 27% of workers, followed by retail trade (12%). Compared with Pennsylvania, the county leans toward public administration (7% against 4%). ACS puts five-year average unemployment at 5.9% in Clearfield County. About 78% drive to work alone and 15% have trips of 45 minutes or more. Households without a car make up 7.4% of the total (10.4% statewide).
| Sector | Clearfield County | Compared with Pennsylvania |
|---|---|---|
| Education and health care | 26.8% | +0.1 pts |
| Retail trade | 12.5% | +1.5 pts |
| Manufacturing | 12.1% | +0.7 pts |
| Transportation, warehousing and utilities | 7.8% | +1.8 pts |
| Construction | 7.2% | +1.2 pts |
| Professional and administrative services | 6.7% | -4.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Housing costs in Clearfield County
A typical Clearfield County rental runs $791 a month including utilities, which is 35% below Pennsylvania. 42% of renting households spend 30% or more of income on rent, and 22% spend half or more. The median owner-occupied home is valued at $137,000, about 2.2 times the median household income. Owners occupy 79% of homes. The median home was built in 1970, so roofs, wiring and heating systems are a common source of repair bills.
| Cost | Clearfield County | Pennsylvania figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $791/mo | $1,209/mo | $877/mo |
| Median home value | $137,000 | $254,500 | $185,300 |
| Owners | 79% | 69% | 75% |
| Rent-burdened renters | 42% | 48% | 45% |
| Burdened owners | 19% | 24% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Clearfield County towns compared
Here are the 14 most populous of the county's 31 Census places, with income and rent from the same 2020 to 2024 survey. About 45% of Clearfield County residents live in one of the 31. Among places of 500 or more people, median income runs from $29,826 in Morrisdale to $112,969 in Treasure Lake. Live in one of these Clearfield County communities, or between them? This is your local guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| DuBois | city | 7,402 | $62,697 | $899 | 17 mi |
| Clearfield | borough | 5,873 | $54,646 | $691 | 2 mi |
| Treasure Lake | CDP | 5,336 | $112,969 | n/a | 17 mi |
| Curwensville | borough | 2,472 | $56,400 | $724 | 3 mi |
| Sandy | CDP | 1,497 | $43,348 | $932 | 17 mi |
| Osceola Mills | borough | 1,325 | $67,656 | $810 | 15 mi |
| Plymptonville | CDP | 1,076 | $82,875 | n/a | 3 mi |
| Hyde | CDP | 1,067 | $51,111 | $712 | 1 mi |
| Oklahoma | CDP | 1,029 | $56,977 | $593 | 15 mi |
| Houtzdale | borough | 857 | $64,868 | $689 | 14 mi |
| Chester Hill | borough | 788 | $47,333 | $631 | 15 mi |
| Morrisdale | CDP | 747 | $29,826 | $1,009 | 14 mi |
| Hawk Run | CDP | 744 | $45,145 | n/a | 15 mi |
| West Decatur | CDP | 650 | $31,875 | $1,028 | 12 mi |
Neighboring counties at a glance
Six nearby counties, 29 to 36 miles away by the straight-line distance between their centers. Income ranges from $50,573 in Cameron County to $74,291 in Centre County; 3 of these neighbors top Clearfield County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Clearfield County | - | $62,152 | $791/mo | 79% |
| Jefferson County, PA | 29 mi | $58,686 | $750/mo | 75% |
| Elk County, PA | 30 mi | $66,380 | $719/mo | 80% |
| Cameron County, PA | 33 mi | $50,573 | $689/mo | 72% |
| Centre County, PA | 34 mi | $74,291 | $1,207/mo | 62% |
| Blair County, PA | 36 mi | $62,382 | $885/mo | 72% |
| Cambria County, PA | 36 mi | $58,418 | $739/mo | 76% |
What a median Clearfield County budget can carry
Here is the Clearfield County median household run through a simple DTI check. Your numbers will differ.
- Start: $5,179 gross per month ($62,152 / 12)
- Less median rent of $791, which is 15% of it
- Under a 40% cap, $2,072 total minus rent leaves $1,281
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Clearfield County's.
What the numbers mean for Clearfield County borrowers
A few patterns in the Clearfield County data, and the practical point behind each:
- Retirees. At a median age of 45.4, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Check your file. An error fixed before you apply can change the offers a Clearfield County borrower sees (free reports).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Clearfield County residents: age, schooling, coverage
Degree holders: 20% of adults over 25. About 6% go without health insurance.
| People and households | Clearfield County | Pennsylvania | Median county |
|---|---|---|---|
| Median age | 45.4 | 40.9 | 41.5 |
| Bachelor's or higher | 20.2% | 35.2% | 22.2% |
| No high school diploma | 9.3% | 7.9% | n/a |
| No health insurance | 5.9% | 5.6% | 7.8% |
| No vehicle | 7.4% | 10.4% | 5.4% |
| Work from home | 8.1% | 15.6% | 8.7% |
| Poverty rate | 14.6% | 11.7% | 13.2% |
| Unemployment (ACS) | 5.9% | 5.3% | 4.4% |
| Commute length | Clearfield County |
|---|---|
| Under 15 min | 35.2% |
| 15 to 29 min | 31.1% |
| 30 to 44 min | 18.8% |
| 45 to 59 min | 6.9% |
| 60+ min | 8.0% |
Steps before you apply in Clearfield County
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Who licenses lenders for Clearfield County residents
Clearfield County borrowers fall under statewide rules, enforced by the Pennsylvania Department of Banking and Securities. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Pennsylvania: Pennsylvania personal loans.
Nearby and statewide guides
The Pennsylvania guide covers the whole state.
Frequently asked questions
What is the median household income in Clearfield County?
$62,152 a year in the 2020 to 2024 Census survey, versus $77,971 for Pennsylvania. It ranks 50th of 67 in the state.
How does Clearfield County rent compare with Pennsylvania?
$791 locally versus $1,209 for the state, 35% below.
I own my home in Clearfield County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 79% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Clearfield County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers DuBois, Clearfield, Treasure Lake, Curwensville, Sandy and 26 more.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Clearfield County or elsewhere in Pennsylvania, the same rules apply.