Median Income
$53,750
28% lower than US avg
Home Value
$79,000
72% lower than US avg
Violent Crime
43/100K
89% lower than US avg
Bachelor's+
6.6%
80% lower than US avg
Obesity Rate
44.4%
38% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Cloverdale Compares to the U.S. Average (100% = U.S. avg)
People
Population165
Median Age45.6 yrs
Density266/mi²
Male / Female38% / 62%
Largest GroupWhite 95%
Veterans5.9%
Economy
A
Median Income$53,750
Per Capita$24,726
Unemployment0.0%
Poverty0.0%
County GDP$1,690M
Commute36 min
Housing
A+
Home Value$79,000
Ownership88.9%
Zillow$200,798
Housing Units65
Rent Burden22.2%
Crime
F
Violent43/100K
Property2,616/100K
Health
Obesity44.4%
Uninsured7.5%
Smoking15.7%
Depression26.3%
Heart Disease5.7%
Climate
Avg Temp50°F (10°C)
AQI43 (Good)
Rain37.7 in/yr
Sunny Days275/yr
Elevation721 ft (220 m)
Education
D
Bachelor's+6.6%
High School+91.9%
Graduate+1.6%
School Score6.76
Community
2024 VoteR 84% / D 15%
Commute36 min
Broadband54.0%
EV Stations3
Libraries8
Is Cloverdale a Good Place to Live?
Based on current data, Cloverdale receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, long commute times, high obesity rates. Cloverdale has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Cloverdale is $53,750, 28% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 36 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Cloverdale is $79,000, 72% below the national median / offering relatively affordable homeownership. At just 1.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Cloverdale is a very safe community with a violent crime rate of 43 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,616 per 100,000, 33% above the national average.
Education
6.6% of residents hold a bachelor's degree, below the national average of 33.7%. 91.9% have completed high school. Local schools score 6.8/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Cloverdale experiences four distinct seasons with an average temperature of 50°F. Winters average 25°F in January while summers reach 74°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 37.7 inches, including 24.2 inches of snow. Air quality is rated Good with a median AQI of 43.
Cloverdale has a population of 165 with a density of 266 people per square mile, spread across 0.6 square miles. The median age is 45.6 years, 17% older than the national median of 38.9. The gender split is 61.8% female and 38.2% male. The city is predominantly White (94.5%), with 1.2% Black. English is the primary language spoken at home by 100% of residents. 5.9% of the population are veterans. 48.6% of residents have a disability (above the 13.0% national average). 98.0% have health insurance coverage.
Population
45.6yrs
Median Age
17% 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 $53,750, which is 28% below the national average of $75,149. Per capita income is $24,726 (below the $39,052 national figure). The average weekly wage is $962, 33% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 868 business establishments, including 64 restaurants. The cost of living index is 92.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 36 minutes (longer than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income: Cloverdale vs U.S.
Income
| Median HH Income | $53,750 |
| 28% below US avg |
| Per Capita Income | $24,726 |
| Avg Weekly Wage | $962 |
| IRS Avg AGI | $77,279 |
| Gini Index | 0.389 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 868 |
| County GDP | $1,690M |
Business (County)
| Restaurants | 64 |
| Healthcare | 57 |
| Retail | 92 |
| Manufacturing | 54 |
Tax & Cost of Living
| Property Tax (IRS) | $4,100 |
| 17% above US avg |
| Cost of Living | 92.80 (100=avg) |
| Effective Tax Rate | 5.19% |
Commute & Transportation
| Commute Time | 36.3 min |
| Drive Alone | 63.9% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Cloverdale is $79,000, 72% below the national median of $281,900. Zillow estimates the typical home value at $200,798, higher than the Census estimate. Fair market rent ranges from $873 for a one-bedroom to $1,092 for a two-bedroom apartment. 88.9% of housing units are owner-occupied (above the 65.4% national rate). There are 65 total housing units in the city. The median year a home was built is 1963. The average annual property tax is $4,100 (higher than the $3,500 national average). 22.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.5x, well within the affordable range.
Home Values
| Census Median | $79,000 |
| 72% below US avg |
| Zillow ZHVI | $200,798 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $873 |
| 2 Bedrooms | $1,092 |
| 3 Bedrooms | $1,388 |
| 4 Bedrooms | $1,550 |
Ownership & Property
| Homeownership | 88.9% |
| Owner-Occupied | 88.9% |
| Renter-Occupied | 11.1% |
| Housing Units | 65 |
| Median Year Built | 1963 |
Property Tax
| Avg Tax (IRS) | $4,100 |
| 17% above US avg |
| Effective Rate | 5.19% |
In Cloverdale, 44.4% of adults are obese, above the national rate of 32.1%. 10.2% have diabetes. Heart disease affects 5.7% of residents. 32.0% have high blood pressure. 15.7% are current smokers. 21.2% report binge drinking. 24.4% are physically inactive. 26.3% report depression (above the 20.0% national average). 19.0% experience frequent mental distress. 7.5% of residents lack health insurance. The primary care physician ratio is 1:2,145. The dentist ratio is 1:3,815. 54.4% of residents have access to exercise opportunities. The food environment index is 8.7 out of 10.
Health Metrics: Cloverdale vs U.S. Average (%)
Chronic Conditions
| Obesity | 44.4% |
| 38% above US avg |
| Diabetes | 10.2% |
| Heart Disease | 5.7% |
| High Blood Pressure | 32.0% |
| Asthma | 11.0% |
| COPD | 6.5% |
| Cancer | 7.6% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 15.7% |
| 12% above US avg |
| Binge Drinking | 21.2% |
| Physical Inactivity | 24.4% |
| Depression | 26.3% |
| Mental Distress | 19.0% |
| Physical Distress | 12.9% |
| Short Sleep | 34.9% |
Healthcare Access
| Insurance Rate | 98.0% |
| Uninsured | 7.5% |
| 13% below US avg |
| Primary Care | 1:2,145 |
| Dentists | 1:3,815 |
| Mental Health | 1:1,629 |
| Checkup Rate | 77.5% |
| Dental Visits | 66.2% |
| Premature Death | 6,060/100K |
Food & Exercise
| Food Environment | 8.7/10 |
| Exercise Access | 54.4% |
| Healthcare Facilities | 57 |
Cloverdale has a violent crime rate of 43 per 100,000 residents, 89% below the national average of 380. Property crime stands at 2,616 per 100,000, 33% above the U.S. average. The county recorded 1 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 | 42.7/100K |
| 89% below US avg |
| |
Property Crime
| Total Property | 2,615.9/100K |
| 33% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Traffic Accidents | 1 |
| Avg Accident Severity | 4.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cloverdale experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 25°F in January while summers reach 74°F in July. The area gets 275 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 37.7 inches. The area receives 24.2 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 721 feet.
Temperature
25°F Jan (-4°C)
74°F Jul (23°C)
| Annual Average | 50.4°F |
| 7% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 721 ft (220 m) |
| Area | 0.6 sq mi (1.6 km²) |
| Population Density | 266/sq mi |
| Coordinates | 41.0193°N, 84.2998°W |
| Timezone | America/New_York |
| County | Putnam County County |
| Nearest Airport | Fort Wayne International (FWA)
47 miles away |
Precipitation & Snow
Annual Rainfall
37.7"
1% below US avg
Wettest Month (Jun)
3.66"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 32.9 / 100 |
| Social Vulnerability | 12.8 / 100 |
| Community Resilience | 98.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
14 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.3. Most recent: M2.5 on Mar 18, 2024.
| Jun 30, 2015 |
5 km NNE of Burlington, Michigan |
M3.3 |
140 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
117 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
78 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
69 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
36 km |
| Apr 12, 2007 |
11 km NW of Put-in-Bay, Ohio |
M2.8 |
139 km |
| May 14, 2010 |
1 km ENE of Gibsonburg, Ohio |
M2.7 |
93 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
40 km |
| May 20, 2023 |
3 km SSE of Walbridge, Ohio |
M2.6 |
90 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
49 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
56 km |
| Mar 18, 2024 |
4 km WSW of Millbury, Ohio |
M2.5 |
91 km |
| Sep 7, 2012 |
17 km ESE of Stony Point, Michigan |
M2.5 |
139 km |
| Feb 7, 2016 |
6 km W of Put-in-Bay, Ohio |
M2.5 |
137 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
415 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 81 fatalities, 1,263 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 5, 2010 |
EF4 |
87 km |
7 |
| Nov 10, 2002 |
EF4 |
48 km |
4 |
| Feb 18, 1992 |
EF4 |
39 km |
0 |
| Apr 11, 1965 |
EF4 |
75 km |
3 |
| Apr 11, 1965 |
EF4 |
93 km |
18 |
| Apr 11, 1965 |
EF4 |
26 km |
13 |
| Jun 8, 1953 |
EF4 |
40 km |
17 |
| Mar 14, 2024 |
EF3 |
57 km |
3 |
| May 27, 2019 |
EF3 |
62 km |
1 |
| Aug 24, 2016 |
EF3 |
54 km |
0 |
| Nov 10, 2002 |
EF3 |
95 km |
1 |
| Nov 10, 2002 |
EF3 |
65 km |
0 |
| Nov 10, 2002 |
EF3 |
98 km |
0 |
| Oct 24, 2001 |
EF3 |
19 km |
0 |
| Mar 27, 1991 |
EF3 |
86 km |
1 |
| Mar 27, 1991 |
EF3 |
82 km |
0 |
| May 2, 1983 |
EF3 |
52 km |
1 |
| Apr 3, 1974 |
EF3 |
13 km |
0 |
| May 10, 1973 |
EF3 |
96 km |
0 |
| May 10, 1973 |
EF3 |
77 km |
6 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
1.9 in |
Coldest |
| February |
27°F (-3°C) |
1.8 in |
Driest |
| March |
37°F (3°C) |
2.8 in |
|
| April |
48°F (9°C) |
3.3 in |
|
| May |
60°F (15°C) |
3.6 in |
|
| June |
69°F (21°C) |
3.7 in |
Wettest |
| July |
74°F (23°C) |
3.7 in |
Warmest |
| August |
71°F (22°C) |
3.2 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (11°C) |
2.3 in |
|
| November |
41°F (5°C) |
2.9 in |
|
| December |
30°F (-1°C) |
2.7 in |
|
Cloverdale has a seasonal temperature swing of 49°F / from 25°F in January to 74°F in July. Total annual precipitation is 34.7 inches, with June being the wettest month (3.7") and February the driest (1.8").
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) |
$232 ($139–$371) |
| Specialist Visit |
$325 ($186–$510) |
| Urgent Care Visit |
$186 ($93–$325) |
| Emergency Room Visit |
$2,042 ($742–$4,640) |
| Dental Cleaning |
$121 ($70–$186) |
| Dental Filling |
$232 ($139–$371) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($46–$111) |
| Brake Pad Replacement |
$278 ($139–$464) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$557 ($371–$928) |
| Battery Replacement |
$186 ($93–$325) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$139) |
| Electrician (Per Hour) |
$84 ($46–$130) |
| HVAC Repair |
$371 ($139–$742) |
| HVAC System Install |
$6,496 ($3,712–$11,136) |
| Roof Repair |
$928 ($371–$1,856) |
| Roof Replacement |
$8,352 ($5,104–$13,920) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,392 ($464–$3,248) |
| Divorce (Contested) |
$13,920 ($4,640–$27,840) |
| DUI Defense |
$4,640 ($1,856–$9,280) |
| Bankruptcy (Chapter 7) |
$1,392 ($742–$2,784) |
| Will Preparation |
$464 ($186–$928) |
| Trust Preparation |
$2,320 ($928–$4,640) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$139 ($70–$232) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.80 ($2.78–$5.10) |
| Dozen Eggs (per dozen) |
$3.25 ($2.32–$4.64) |
| Loaf of Bread |
$3.53 ($2.32–$5.10) |
| Chicken Breast (per lb) |
$4.18 ($2.78–$6.03) |
| Ground Beef (per lb) |
$5.10 ($3.71–$6.96) |
| Rice (per lb) |
$0.93 ($0.56–$1.67) |
View all 20 services
Utilities
| Electricity (Monthly) |
$130 ($74–$232) |
| Natural Gas (Monthly) |
$65 ($28–$139) |
| Water/Sewer (Monthly) |
$65 ($37–$111) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$60 ($28–$93) |
| Cable TV (Monthly) |
$79 ($46–$139) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$186 ($70–$464) |
| Car Insurance (Annual) |
$1,856 ($1,114–$3,248) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.42–$23) |
| Car Registration (Annual) |
$93 ($28–$232) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,114 ($557–$2,320) |
| Daycare (Toddler, Monthly) |
$928 ($464–$1,856) |
| After-School Care (Monthly) |
$371 ($186–$650) |
| Tutoring (Per Hour) |
$46 ($23–$93) |
| SAT/ACT Prep Course |
$928 ($371–$2,320) |
| Private School (K-12, Annual) |
$11,600 ($4,640–$27,840) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($46–$186) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$278 ($139–$464) |
| Cat Spay/Neuter |
$186 ($93–$371) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cloverdale
What is the population of Cloverdale?
Cloverdale has a population of 165 residents and is located in Ohio. The population density is 266 people per square mile, spread across 0.6 square miles. The median age of residents is 45.6 years, which is older than the national median of 38.9 years. The population is 61.8% female and 38.2% male.
Is Cloverdale expensive to live in?
Cloverdale is more affordable than the national average, with a cost of living index of 92.8 / below the baseline of 100. The median household income is $53,750, 28% below the national average of $75,149. The median home value is $79,000 (72% below the U.S. median). The home price-to-income ratio is 1.5x, indicating housing is reasonably affordable relative to local income levels.
Is Cloverdale safe?
Cloverdale is considered a very safe city with a violent crime rate of 43 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,616 per 100,000 (above 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 50°F (10°C). Winter temperatures average 25°F in January, while summers reach an average of 74°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 37.7 inches, with 24.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Cloverdale?
The job market in Cloverdale is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $962. There are 868 business establishments in the area, including 64 restaurants and food service locations. The average commute time is 36 minutes, and 0.0% of workers work from home.
How much does housing cost in Cloverdale?
The median home value in Cloverdale is $79,000. Zillow estimates the typical home value at $200,798. The homeownership rate is 88.9%. The average annual property tax is $4,100.
How are the schools in Cloverdale?
Schools in Cloverdale score 6.8 out of 10 on standardized testing, near the national average. 6.6% of adults in Cloverdale hold a bachelor's degree or higher, below the national average of 33.7%. 91.9% have completed high school. 1.6% hold a graduate or professional degree.
How healthy is Cloverdale?
The obesity rate in Cloverdale is 44.4% (above the national rate of 32.1%). 15.7% of adults are smokers. 24.4% are physically inactive. 26.3% of residents report depression. 7.5% lack health insurance. 54.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,145.
What is transportation like in Cloverdale?
The average commute in Cloverdale is 36 minutes, longer than the national average of 28 minutes. 63.9% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Cloverdale?
The racial and ethnic makeup of Cloverdale is 94.5% White, 1.2% Black or African American, 0.6% Hispanic or Latino. 100% of residents speak only English at home. 5.9% of the population are military veterans. 48.6% of residents have a disability. 98.0% have health insurance coverage.
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