Can You Afford a Home in Clover Creek, WA?
A typical home in Clover Creek is worth $534,960, up 0.8% over the past year. That is $37K below the Pierce County typical of $572,113.
Open the calculator for Clover Creek Free, instant, no signup
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Clover Creek costs $534,960. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Pierce County
Prices below are what keeps housing at 33% of gross income, using Pierce County’s 0.94% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $313,000 | $260,000 | $238,000 | $254,000 |
| $100,000 | $429,000 | $356,000 | $326,000 | $348,000 |
| $125,000 | $545,000 | $451,000 | $414,000 | $441,000 |
| $150,000 | $660,000 | $547,000 | $502,000 | $535,000 |
| $200,000 | $891,000 | $739,000 | $679,000 | $723,000 |
How Clover Creek compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Spanaway | $511,873 | +0.5% | $118,000 |
| Lakewood | $525,021 | +0.1% | $121,000 |
| Carbonado | $533,526 | +0.8% | $123,000 |
| Clover Creek (this page) | $534,960 | +0.8% | $123,000 |
| Lakebay | $537,315 | -0.7% | $123,000 |
| Frederickson | $542,227 | +1.1% | $125,000 |
| Fife | $557,282 | -0.3% | $128,000 |
If Clover Creek is out of reach, Spanaway, Lakewood, Carbonado sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Clover Creek sell for less than $534,960, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.