Market Overview
Home Prices in Cloverdale, CA
The median home value in Cloverdale, CA is $642,658 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.3% compared to a year ago and down 2.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cloverdale are priced57% above average. Cloverdale is part of the Santa Rosa-Petaluma, CA metro area.
Over the past five years, Cloverdale home values have risen by approximately1.2%, reflecting modest growth in this market.
Price History
Cloverdale Home Price Trend
City Comparison
Cloverdale vs. National Median
At $642,658, homes in Cloverdale cost 57% above the national median of $410,000. Buyers in Cloverdale should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cloverdale?
20% Down Payment
$128,532
on $642,658
Monthly P&I
$3,352/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,257/mo
incl. taxes & insurance
Income Needed
$170,280
gross annual (30% rule)
10% Down Option
$64,266
+ PMI applies
Loan Amount (20% dn)
$514,126
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cloverdale, CA?
The median home value in Cloverdale is $642,658 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.3% year-over-year.
How much have home prices changed in Cloverdale?
Over the past year, home values in Cloverdale have decreased by 2.3%. Over five years, prices have risen approximately 1.2%.
How much do I need to earn to buy a home in Cloverdale?
To comfortably afford the median home price of $642,658 with a 20% down payment ($128,532) at today's rates (6.8%), you'd need a gross annual income of approximately $170,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Cloverdale compare to the national average home price?
The national median home value is approximately $410,000. At $642,658, homes in Cloverdale are 57% above the national average.
What metro area is Cloverdale part of?
Cloverdale is part of the Santa Rosa-Petaluma, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.