What You Should Know about the Cost of Living in Clearwater, FL


Clearwater, located in Florida’s Tampa Bay area, is known for its beautiful beaches and sunny climate. It’s a desirable place for many people to live, work and retire. The city offers a blend of vibrant urban life and tranquil beach scenery. Its downtown area, Cleveland Street District, and nearby Coachman Park, offers several restaurants as well as frequent festivals, events and concerts that contribute to the lively community atmosphere.

The city is also home to the famous Clearwater Marine Aquarium and the gorgeous Clearwater Beach, one of the best beaches in the United States, known for its white sandy shores and clear blue waters. The area attracts tourists and residents alike for sunbathing, water sports and dolphin-watching, a perfect destination for some down time with friends or family. The city’s dedication to maintaining its parks and beaches means residents have beautiful, clean, and safe environments to explore and enjoy.

For those who are thinking about making a move to Clearwater, FL, understanding the implied costs ahead of time is important. So, this article delves into various aspects of the cost of living in Clearwater, FL, including housing, utilities, groceries, healthcare, and transportation.

Cost of Living Overview

The cost of living in Clearwater is slightly above the national average. Factors like housing and healthcare are above average, while expenses like groceries and utilities are more in line with national averages. Your personal cost of living will depend on various factors including lifestyle, housing choice, and personal spending habits.

Housing Costs

Housing is one of the most significant aspects of the cost of living in any city, and Clearwater is no exception. The median home price in Clearwater is around $390,000, but of course renting is also an excellent option for those who want to try out the city while maintaining a certain flexibility of moving. There are a variety of apartment and housing rentals available, with an average cost for a Clearwater rental apartment ranging between $1,600 and $3,000, depending on your location and space needs. It’s important to research current housing market trends for the most up-to-date information.

Utility Costs

Utilities in Clearwater, including electricity, heating, cooling, and water, average around $200 for an apartment. Yet, Florida is known for its hot and humid weather, so expect higher electricity bills during the summer months when air conditioning use is at its peak.


The cost of groceries in Clearwater is quite close to the national average, with a gallon of milk averaging at $4.5 and a loaf of bread for $3.45. There is a variety of shopping options available, however, from high-end grocery stores to more budget-friendly outlets, so you can browse around and fit the perfect place that caters to both your lifestyle and budgetary needs.


Healthcare costs in Clearwater are slightly above the national average. Access to various healthcare providers and services is available, but it’s always a good idea to ensure that healthcare expenses are accounted for in your budget, especially if you have specific medical needs or conditions.


Public transportation options in Clearwater are available, but many residents find it more convenient to own a car. A gallon of gasoline is around $3.4, but it’s wise to budget for other costs, including car maintenance, insurance, and parking. However, a monthly pass for the local transit system is $50, while a one-way ticket is $3.

Entertainment & Dining Out

Entertainment, dining out, and other miscellaneous expenses should also be considered. Clearwater offers a range of activities, from beach outings to cultural events, some of which are free and therefore a good idea if you want to save money. A cinema ticket will cost you around $12, depending on the release, while a membership to a fitness club would be around $70.

However, if you want to enjoy the occasional dinner at a nice restaurant, a meal for two with three courses would be around $57. For a quick bite for yourself, you should pay around $18.

Budgeting & Saving Tips

For those considering a move to Clearwater, careful budgeting and planning are crucial to effectively manage the cost of living. One strategy is to create a detailed and realistic budget, factoring in all potential expenses – housing, utilities, groceries, transportation, and other. It’s wise to also set aside a portion of income for savings, emergencies, and leisure activities. Online budgeting tools and apps can help keep track of expenses and savings goals.

Another useful approach is to explore cost-saving options in Clearwater. Consider finding a rental in an area that is further from downtown, especially if you’re working remotely or you do not have to commute every day. Using public transport and participating in discounted or free community events and activities is also a good way to save some money.

For groceries and shopping, look for sales, use coupons, and choose budget-friendly stores. Health care costs can be mitigated by choosing insurance plans wisely and making use of local community health resources. By being prudent and conscious of your spending, you can effectively manage your finances while enjoying all that Clearwater has to offer.

The cost of living in Clearwater, FL, is an important factor to consider when deciding to move here, but the beauty of the city and the lifestyle it offers is also part of that decision. It’s crucial to consider all aspects of living costs and evaluate them against your income and budget to determine affordability. And while we’ve presented an overview here, it’s good to do your own research and understand your own needs when it comes to living in Clearwater.


Feature image courtesy of Rent Cafe


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