Median Income
$47,016
37% lower than US avg
Home Value
$117,300
58% lower than US avg
Violent Crime
263/100K
31% lower than US avg
Bachelor's+
16.5%
51% lower than US avg
Median Rent
$699
40% lower than US avg
Obesity Rate
38.6%
20% higher than US avg
Unemployment
3.3%
8% lower than US avg
Poverty Rate
7.9%
36% lower than US avg
How Cloverdale Compares to the U.S. Average (100% = U.S. avg)
People
Population2,219
Median Age51.2 yrs
Density636/mi²
Male / Female45% / 55%
Largest GroupWhite 96%
Veterans7.1%
Economy
B+
Median Income$47,016
Per Capita$25,531
Unemployment3.3%
Poverty7.9%
County GDP$1,459M
Commute24 min
Housing
A+
Home Value$117,300
Rent$699
Ownership62.8%
Zillow$251,119
Housing Units1,047
Rent Burden27.9%
Crime
F
Violent263/100K
Property1,082/100K
Health
Obesity38.6%
Uninsured7.6%
Smoking16.9%
Depression27.5%
Heart Disease5.7%
Climate
Avg Temp51°F (10°C)
AQI41 (Good)
Rain46.1 in/yr
Sunny Days293/yr
Elevation780 ft (238 m)
Education
C
Bachelor's+16.5%
High School+90.0%
Graduate+2.6%
School Score5.90
Community
2024 VoteR 75% / D 23%
Commute24 min
Broadband77.9%
EV Stations1
Libraries2
Is Cloverdale a Good Place to Live?
Based on current data, Cloverdale receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Cloverdale offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Cloverdale is $47,016, 37% below the national average of $75,149. Unemployment stands at 3.3%, indicating a healthy job market. Only 7.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Cloverdale is $117,300, 58% below the national median / offering relatively affordable homeownership. Renters pay a median of $699 per month, below the national average / a plus for affordability. At just 2.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Cloverdale is below the national average at 263 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,082 per 100,000, 45% below the national average.
Education
16.5% of residents hold a bachelor's degree, below the national average of 33.7%. 90.0% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Cloverdale experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 72°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 46.1 inches, including 22.1 inches of snow. Air quality is rated Good with a median AQI of 41.
Cloverdale has a population of 2,219 with a density of 636 people per square mile, spread across 3.5 square miles. The median age is 51.2 years, 32% older than the national median of 38.9. The gender split is 54.8% female and 45.2% male. The city is predominantly White (95.9%), with 2.2% Black. English is the primary language spoken at home by 100% of residents. 7.1% of the population are veterans. 28.3% of residents have a disability (above the 13.0% national average). 93.9% have health insurance coverage.
Population
51.2yrs
Median Age
32% above US avg
Race & Ethnicity
Cloverdale vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Cloverdale vs U.S. Average
The median household income in Cloverdale is $47,016, which is 37% below the national average of $75,149. Per capita income is $25,531 (below the $39,052 national figure). The average weekly wage is $975, 32% lower than the U.S. average. The unemployment rate is 3.3% (below the 3.6% US average). 7.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 768 business establishments, including 79 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 24 minutes. 0.8% of workers work from home (below the 15.2% national rate).
Income: Cloverdale vs U.S.
Income
| Median HH Income | $47,016 |
| 37% below US avg |
| Per Capita Income | $25,531 |
| Avg Weekly Wage | $975 |
| IRS Avg AGI | $65,519 |
| Gini Index | 0.381 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.3% |
| 8% below US avg |
| Poverty Rate | 7.9% |
| 36% below US avg |
| Establishments (County) | 768 |
| County GDP | $1,459M |
Business (County)
| Restaurants | 79 |
| Healthcare | 71 |
| Retail | 111 |
| Manufacturing | 22 |
Tax & Cost of Living
| Property Tax (IRS) | $2,138 |
| 39% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.82% |
Commute & Transportation
| Commute Time | 24.0 min |
| Drive Alone | 71.7% |
| Public Transit | 0.0% |
| Work from Home | 0.8% |
The median home value in Cloverdale is $117,300, 58% below the national median of $281,900. Zillow estimates the typical home value at $251,119, higher than the Census estimate. Homes sell for 102.6% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $699 (40% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 62.8% of housing units are owner-occupied. There are 1,047 total housing units in the city. The median year a home was built is 1986. The average annual property tax is $2,138 (lower than the $3,500 national average). 27.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.5x, well within the affordable range.
Home Values
| Census Median | $117,300 |
| 58% below US avg |
| Zillow ZHVI | $251,119 |
| Median List Price | $209,000 |
Real Estate Market (Redfin)
| Median List Price | $209,000 |
| $/Sq Ft | $145 |
| Homes Sold | 5 |
| Sale-to-List Ratio | 102.6% |
| Price Drops | 15.4% |
| Inventory | 13 |
Rental Costs
| Census Median Rent | $699 |
| 40% below US avg |
| Rent Burden | 27.9% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 62.8% |
| Owner-Occupied | 62.8% |
| Renter-Occupied | 37.2% |
| Housing Units | 1,047 |
| Median Year Built | 1986 |
Property Tax
| Avg Tax (IRS) | $2,138 |
| 39% below US avg |
| Effective Rate | 1.82% |
In Cloverdale, 38.6% of adults are obese, above the national rate of 32.1%. 10.6% have diabetes. Heart disease affects 5.7% of residents. 33.1% have high blood pressure. 16.9% are current smokers (above the 14.0% national rate). 18.2% report binge drinking. 23.5% are physically inactive. 27.5% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 7.6% of residents lack health insurance. The primary care physician ratio is 1:3,082. The dentist ratio is 1:2,194. 62.4% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Cloverdale vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.6% |
| 20% above US avg |
| Diabetes | 10.6% |
| Heart Disease | 5.7% |
| High Blood Pressure | 33.1% |
| Asthma | 11.7% |
| COPD | 7.3% |
| Cancer | 7.5% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.9% |
| 21% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 23.5% |
| Depression | 27.5% |
| Mental Distress | 19.2% |
| Physical Distress | 13.2% |
| Short Sleep | 40.1% |
Healthcare Access
| Insurance Rate | 93.9% |
| Uninsured | 7.6% |
| 12% below US avg |
| Primary Care | 1:3,082 |
| Dentists | 1:2,194 |
| Mental Health | 1:963 |
| Checkup Rate | 77.6% |
| Dental Visits | 60.9% |
| Premature Death | 8,446/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 62.4% |
| Healthcare Facilities | 71 |
Cloverdale has a violent crime rate of 263 per 100,000 residents, 31% below the national average of 380. Property crime stands at 1,082 per 100,000, 45% below the U.S. average. The county recorded 8 fatal traffic crashes. Overall, Cloverdale receives a safety grade of F.
Crime Rates: Cloverdale vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 262.6/100K |
| 31% below US avg |
| |
Property Crime
| Total Property | 1,082.1/100K |
| 45% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Traffic Accidents | 309 |
| Avg Accident Severity | 2.6 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cloverdale experiences four distinct seasons with an average annual temperature of 51°F (10°C). Winters average 26°F in January while summers reach 72°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 46.1 inches (wetter than the 38-inch national average). The area receives 22.1 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 780 feet.
Temperature
26°F Jan (-4°C)
72°F Jul (22°C)
| Annual Average | 50.5°F |
| 6% below US avg |
| January Average | 26°F (-4°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 780 ft (238 m) |
| Area | 3.5 sq mi (9.1 km²) |
| Population Density | 636/sq mi |
| Coordinates | 39.5212°N, 86.7987°W |
| Timezone | America/Indiana/Indianapolis |
| County | Putnam County County |
| Nearest Airport | Terre Haute Regional (HUF)
28 miles away |
Precipitation & Snow
Annual Rainfall
46.1"
21% above US avg
Wettest Month (Jul)
4.80"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 42.8 / 100 |
| Social Vulnerability | 31.5 / 100 |
| Community Resilience | 70.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
17 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.3 on May 13, 2025.
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
54 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
98 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
104 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
16 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
27 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
149 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
132 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
64 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
98 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
52 km |
| Apr 24, 1990 |
5 km SW of Newton, Illinois |
M2.9 |
136 km |
| Sep 10, 2023 |
9 km E of Parkersburg, Illinois |
M2.7 |
143 km |
| May 10, 2012 |
1 km NNW of Emison, Indiana |
M2.7 |
97 km |
| Apr 16, 1991 |
4 km E of Parkersburg, Illinois |
M2.7 |
147 km |
| Apr 18, 2008 |
7 km NNW of Mount Carmel, Illinois |
M2.6 |
145 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
123 km |
| Jun 16, 2022 |
4 km ESE of Parkersburg, Illinois |
M2.5 |
148 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
536 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 42 fatalities, 789 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 11, 1998 |
EF4 |
78 km |
0 |
| Jun 2, 1990 |
EF4 |
87 km |
0 |
| Jun 2, 1990 |
EF4 |
86 km |
1 |
| May 14, 1972 |
EF4 |
68 km |
0 |
| Apr 11, 1965 |
EF4 |
90 km |
0 |
| Apr 11, 1965 |
EF4 |
56 km |
28 |
| Apr 25, 1961 |
EF4 |
86 km |
0 |
| Mar 31, 2023 |
EF3 |
26 km |
2 |
| Mar 31, 2023 |
EF3 |
60 km |
0 |
| Nov 17, 2013 |
EF3 |
92 km |
0 |
| May 25, 2011 |
EF3 |
83 km |
0 |
| Mar 8, 2009 |
EF3 |
77 km |
0 |
| Jun 3, 2008 |
EF3 |
96 km |
1 |
| Nov 15, 2005 |
EF3 |
89 km |
0 |
| Nov 15, 2005 |
EF3 |
98 km |
0 |
| Sep 20, 2002 |
EF3 |
36 km |
0 |
| Nov 22, 1992 |
EF3 |
24 km |
0 |
| Nov 22, 1992 |
EF3 |
80 km |
0 |
| Nov 22, 1992 |
EF3 |
70 km |
0 |
| Nov 22, 1992 |
EF3 |
33 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
5 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,547 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
UNNAMED |
1,547 |
64 km |
| 2007 |
UNNAMED |
1,102 |
68 km |
| 2016 |
UNNAMED |
898 |
64 km |
| 2010 |
FORK RIDGE RX |
697 |
78 km |
| 2019 |
UNNAMED |
670 |
78 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-4°C) |
2.3 in |
Coldest, Driest |
| February |
30°F (-1°C) |
2.4 in |
|
| March |
41°F (5°C) |
3.6 in |
|
| April |
51°F (11°C) |
3.9 in |
|
| May |
62°F (16°C) |
4.7 in |
|
| June |
71°F (21°C) |
4.0 in |
|
| July |
72°F (22°C) |
4.8 in |
Wettest |
| August |
72°F (22°C) |
4.0 in |
Warmest |
| September |
66°F (19°C) |
3.2 in |
|
| October |
54°F (12°C) |
3.0 in |
|
| November |
43°F (6°C) |
3.8 in |
|
| December |
32°F (-0°C) |
3.2 in |
|
Cloverdale has a seasonal temperature swing of 47°F / from 26°F in January to 72°F in August. Total annual precipitation is 43.0 inches, with July being the wettest month (4.8") and January the driest (2.3").
Average costs for common services in Cloverdale. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Cloverdale
What is the population of Cloverdale?
Cloverdale has a population of 2,219 residents and is located in Indiana. The population density is 636 people per square mile, spread across 3.5 square miles. The median age of residents is 51.2 years, which is older than the national median of 38.9 years. The population is 54.8% female and 45.2% male.
Is Cloverdale expensive to live in?
Cloverdale is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $47,016, 37% below the national average of $75,149. The median home value is $117,300 (58% below the U.S. median). Renters pay a median of $699 per month, below the national average of $1,163. The home price-to-income ratio is 2.5x, indicating housing is reasonably affordable relative to local income levels.
Is Cloverdale safe?
Cloverdale is safer than the national average, with a violent crime rate of 263 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,082 per 100,000 (below the national average). Overall, Cloverdale receives a safety grade of F based on combined crime data.
What is the weather like in Cloverdale?
Cloverdale has a four-season climate with an average annual temperature of 51°F (10°C). Winter temperatures average 26°F in January, while summers reach an average of 72°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 46.1 inches, with 22.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Cloverdale?
Cloverdale has a healthy job market with an unemployment rate of 3.3%, near the national average of 3.6%. The average weekly wage is $975. There are 768 business establishments in the area, including 79 restaurants and food service locations. The average commute time is 24 minutes, and 0.8% of workers work from home.
How much does housing cost in Cloverdale?
The median home value in Cloverdale is $117,300. Zillow estimates the typical home value at $251,119. For renters, the median monthly rent is $699. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 62.8%. The average annual property tax is $2,138.
How are the schools in Cloverdale?
Schools in Cloverdale score 5.9 out of 10 on standardized testing, near the national average. 16.5% of adults in Cloverdale hold a bachelor's degree or higher, below the national average of 33.7%. 90.0% have completed high school. 2.6% hold a graduate or professional degree.
How healthy is Cloverdale?
The obesity rate in Cloverdale is 38.6% (above the national rate of 32.1%). 16.9% of adults are smokers. 23.5% are physically inactive. 27.5% of residents report depression. 7.6% lack health insurance. 62.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,082.
What is transportation like in Cloverdale?
The average commute in Cloverdale is 24 minutes, shorter than the national average of 28 minutes. 71.7% of workers drive alone to work, and 0.8% work from home.
What are the demographics of Cloverdale?
The racial and ethnic makeup of Cloverdale is 95.9% White, 2.2% Black or African American, 0.6% Hispanic or Latino. 100% of residents speak only English at home. 7.1% of the population are military veterans. 28.3% of residents have a disability. 93.9% have health insurance coverage.
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