Mortgage Rates in Clive, Iowa — March 2026
Updated March 2026 | Based on Clive market data and regional lending conditions
Clive is a growing city in Iowa with a population of 18,905. The current 30-year fixed mortgage rate in Clive is 6.77%, which is 0.12% above the national average. With a median home price of $162,000 and a 20% down payment of $32,400, homebuyers can expect a monthly principal and interest payment of approximately $842.
Current Mortgage Rates in Clive, IA
Below are the current average mortgage rates available in the Clive area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Clive Housing Market Overview
The Clive housing market offers relatively affordable housing compared to many major cities. The median household income in Clive is $59,500, and the cost of living index is 85.1 (national average = 100). Based on the 28% affordability rule, the median income in Clive is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Clive
Based on the median home price of $162,000 with 20% down ($32,400), here is what you can expect to pay monthly in Clive:
15-Year vs. 30-Year Mortgage in Clive
Choosing a 15-year mortgage in Clive at 6.01% instead of a 30-year at 6.77% would save you $106,200 in total interest over the life of the loan. However, your monthly payment would be $1,094 instead of $842 — an increase of $252 per month.
Calculate Your Clive Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Clive
What are the current mortgage rates in Clive, IA?
As of March 2026, the average 30-year fixed mortgage rate in Clive, Iowa is 6.77%, while the 15-year fixed rate is 6.01%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Clive?
Based on the median home price of $162,000 with 20% down, the estimated monthly mortgage payment in Clive is $842 for principal and interest. Including property taxes of $209/month, the total monthly housing cost is approximately $1,051.
What income do I need to buy a home in Clive?
Using the 28% rule, you would need an annual income of approximately $45,043 to afford the median-priced home in Clive at $162,000. The median household income in Clive is $59,500. The median income is currently sufficient to meet this threshold.
Is Clive a good place to buy a home in 2026?
Clive offers a below-average cost of living with a cost of living index of 85.1 (national average = 100). The property tax rate in Iowa is 1.55%, which is above the national average. Clive has a population of 18,905 and offers a very affordable lifestyle.
Mortgage Rates in Other Iowa Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Clive, Iowa area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.