Clearwater, Florida.
Typical home $340,654 (+0.4% in a year), asking rent $1,975 (+0.7%). Tampa-St. Petersburg-Clearwater, FL metro.
to buy the typical home at today's mortgage rate — +$929 (+108%) since Jan 2020.
- 1 year
- Up $1,421 +0%
- $339,233$340,654 since Sep 2025
- 5 years
- Up $37,522 +12%
- $303,131$340,654 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Clearwater$1,788
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 30 years.
Typical home values in Clearwater, FL rose 0.4% over the past year — slower than the nation's +1.2%.
Asking rents in Clearwater, FL rose 0.7% over the past year — slower than the nation's +2.7%.
Owning the typical home in Clearwater runs $376/mo more than renting one. The gap peaked at $750 in Oct 2023.
That is $2,350 a month against $1,975 rent: a $1,788 mortgage payment, plus $198 property tax and $365 insurance & upkeep.
Owning vs renting — Clearwater
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,350
- Renting$1,975
- Mortgage only$1,788
Property tax · $198/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for Pinellas County, FL
Insurance & upkeep · $365/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Clearwater, Pinellas County, Florida
Clearwater is a city of 117,292 people in Pinellas County. Half its households earn more than $66,381 a year and half less, against $72,646 across Pinellas County; 15% of its people live below the poverty line. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Clearwater was 4.4% in August 2026, and Pinellas County had 1.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Clearwater is a Gulf Coast city in Pinellas County, with a population large enough to feel like a city rather than a beach village. Residents tend to be older than in most places, and most homes are lived in by their owners, though renters make up a real part of the community. Household incomes run below the county's, and the cost of a typical home and of renting both sit well above what the incomes alone would suggest. Winters are mild, with January the coolest month and daytime highs still comfortable, and summers are hot, with August the warmest. Rain is plentiful through the year.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, restaurants, hotels and entertainment, and shops. Morton Plant Hospital and BayCare Health System are among the largest workplaces in Clearwater, along with Ultimate Medical Academy, a two-year college. Unemployment has edged up a little from a year ago, and across Pinellas County there are slightly fewer jobs than there were the year before. A typical commute is a moderate one, and a fair number of people work from home.
Things to do. Closest to home are Moccasin Lake Nature Park and the Dunedin History Museum, both in or beside town. A short drive takes you to Caladesi Island State Park and Honeymoon Island State Park, both protected areas. For a bigger outing, the Salvador Dalí Museum is a longer drive away.
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- 49,998households
- 33%of adults have a degree
- 15%below the poverty line
- 23 mintypical commute
- 21%work from home
What residents work in
Employed residents by industry, from the Census survey. Pinellas County had 441,425 jobs in 2025, 1.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 71° and lows near 52°; warmest in August, with highs near 91° and lows near 76°. About 54 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Petersburg International Airport weather station, 7 miles away (NOAA).
Largest workplaces in Clearwater
- Morton Plant HospitalGeneral hospital2,837FTE
- BayCare Health System (0020)2,216
- Ultimate Medical AcademyTwo-year college1,938
- Lincare Inc. RBCO #40 (0002355) Multi SiteOxygen equipment rental1,174
- Instrument TransformersSpecialty transformers, electric, manufacturing825
- BC Hospital Support Svcs LLC (0030)824
- Florida Complex League / Clearwater ThreshersBaseball teams, professional or semiprofessional438
- Bausch and Lomb AmericasLenses, ophthalmic, manufacturing412
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 74 workplaces with 20 or more staff, 16,767 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- Hurricanesrelatively high in parts of ClearwaterRelatively moderate
- Cold wavesrelatively high in parts of ClearwaterRelatively moderate
- Tornadoesrelatively high in parts of ClearwaterRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Clearwater’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Pinellas County and the Tampa-St. Petersburg-Clearwater, FL metro.
Clearwater home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Clearwater$340,654
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Clearwater listings, and the typical home goes pending in 41 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Clearwater27.75%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Clearwater41
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Clearwater1,428
New listings per month
Sellers arriving at the market.
- Clearwater276
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Clearwater$361,296
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Clearwater95.83%
Zip codes with a Clearwater address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Clearwater — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Clearwater
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 33756 | Clearwater | 32,201 | $1,832 | $356,473 |
| 33755 | Clearwater | 27,476 | $1,993 | $337,553 |
| 33764 | Clearwater | 27,311 | $2,034 | $368,357 |
| 33763 | Clearwater | 21,146 | $1,872 | $195,496 |
| 33761 | Clearwater | 18,290 | $1,984 | $311,367 |
| 33759 | Clearwater | 17,557 | $1,996 | $344,436 |
| 33765 | Clearwater | 13,808 | $1,742 | $349,319 |
| 33767 | Clearwater Beach | 8,081 | $3,945 | $698,675 |
| 33762 | Clearwater | 5,063 | $1,701 | $302,520 |