Cost of Living in Clearwater, FL

Pinellas County · 2026 Data · 2 nearby cities in county

COL Index
97
vs FL Avg
-8
Median Income
$52K

Cost of Living Breakdown

Overall Cost of Living
98vs 100 US avg
Below avg
Near avg
Above avg
High
Housing
US avg = 10097
Groceries
US avg = 10099
Healthcare
US avg = 10097
Transportation
US avg = 100101
Utilities
US avg = 10099

Housing & Income in Clearwater

Median Home Price
$350,000
Estimated market price
Median Monthly Rent
$1,850
All unit types
Median Household Income
$52,000
Annual, pre-tax
Est. Monthly Payment
$1,720
20% down, 30yr fixed
Property Tax Rate
0.9%
~$3,150/yr
Price-to-Rent Ratio
15.8x
<15 favors buying

About Living in Clearwater

Clearwater is home to one of America's top-rated beaches, a strong tourism economy, and affordable waterfront living on Florida's Gulf Coast.

With a cost of living index of 97, Clearwater is 3% below the US average and 8 points below the Florida average of 105. The median household income of $52,000 supports a home-price-to-income ratio of 6.7x — above the recommended 4–5x threshold.

FAQ

Common questions about cost of living in Clearwater

What is the cost of living in Clearwater, FL?

Clearwater's overall cost of living index is 97 compared to the US average of 100. Housing (97) is the main driver, with groceries at 99, healthcare at 97, transportation at 101, and utilities at 99.

Is Clearwater affordable to live in?

Clearwater is near the national average with a COL index of 97. It offers a balance of amenities and affordability. Median rent is $1,850/mo.

How does Clearwater compare to the Florida average?

Clearwater's COL index of 97 is 8 points below the Florida average of 105. It's one of Florida's more budget-friendly options.