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City · 117,247 residents · Pinellas County, Florida

Clearwater , Florida

In Clearwater, a typical home is worth $361,300 and typical rent is $1,658 a month. Compared with all of Pinellas County, typical household income is 9% lower and the share of households that own their home is 11 points lower.

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  • Typical home value

    $361,300

    About the same as the county

    About the same as Florida

    • Clearwater
    • Pinellas
    • Florida

  • Typical rent

    $1,658a month

    About the same as the county

    About the same as Florida

    • Clearwater
    • Pinellas
    • Florida

  • Typical household income

    $66,381a year

    9% below the county

    11% below Florida

    • Clearwater
    • Pinellas
    • Florida

  • Households that own their home

    59%

    11 points below the county

    9 points below Florida

    • Clearwater
    • Pinellas
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$340,654
about the same as 12 months ago
Typical rent
$1,975 a month
0.7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Clearwater is in Pinellas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Pinellas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clearwater apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Largo, the typical home value is $229,100: 37% less than in Clearwater ($361,300).

  2. 59% of households in Clearwater own their home, against 70% in Pinellas County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Clearwater

What homes there are in Clearwater, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Clearwater, the apartment is the most common kind of home: 43%, against 30% in Pinellas County.

Year built

By age, homes in Clearwater look like those in Pinellas County: the typical year built is 1978.

There are fewer big homes in Clearwater than in Pinellas County: 35% have 3 bedrooms or more, against 40%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Clearwater sit under the FHA limit for Pinellas County ($541,287): about 74%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Pinellas County is $1,917: about 65% of rents in Clearwater are below it.

With a mortgage

$1,908 a month

Pinellas County: $1,948 a month

Without a mortgage

$811 a month

Pinellas County: $734 a month

Owners with a mortgage

51%

Pinellas County: 51%

The typical cost for an owner with a mortgage in Clearwater is $1,908 a month, near the figure in Pinellas County ($1,948).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Clearwater rose 75% since 2015–2019, about the same as in Pinellas County (77%).

The typical rent in Clearwater rose 52% over the same time; in Pinellas County, it rose 48%.

Here income did not keep up with housing: it rose 36%, while home values changed +75% and rent +52%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureClearwaterPinellas CountyFloridaUnited States
Rental vacancy 8.0%9.1%7.6%5.5%
Homeowner vacancy 1.2%1.5%1.4%0.9%
More than one person per room 3.0%2.0%3.3%3.4%
People per household 2.272.202.512.53
Drive alone 62%68%70%69%
Carpool 9%7%9%9%
Public transit 4%1%1%3%
Walk or bike 3%2%2%3%
Work from home 21%20%16%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is little rental housing open in Clearwater: only 8.0% is empty and offered for rent, against 9.1% in Pinellas County.

In Clearwater, 3.0% of households live with more than one person per room, about the same as in Pinellas County.

By size, households in Clearwater look like those in Pinellas County: 2.27 people on average.

The car rules in Clearwater: 62% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Clearwater?

A typical home costs more than the typical income allows

We start with a typical home in Clearwater, worth $361,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Clearwater, which is $66,381 a year. For that payment to be 28% of income, a household would need to earn about $125,716 a year.

The calculator's FHA and conventional loan limits are those of all of Pinellas County.

Your numbers

Local data
$

Starts at the typical home value in Clearwater. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,646 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,933

at 7.18% · 30 years

Loan amount
$354,755
Total interest
$510,410
Paid off in
November 2056

Includes $6,101 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,549 a month

  • Tight

    $1,549 to $1,991 a month

  • Hard

    more than $1,991 a month

    Your payment · 53%

Compared with the typical household income in Clearwater ($66,381 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,933
Principal & interest$2,403
Property tax$220
Home insurance$151
FHA mortgage insurance (MIP)$160

You need at least $12,646 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Clearwater and Pinellas County

Clearwater is in Pinellas County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Clearwater's own numbers

Typical home value
$361,300
Typical monthly rent
$1,658
Typical yearly household income
$66,381
Households that own their home
59%
Effective property tax rate
0.73%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Pinellas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Pinellas County.

Everything about Pinellas County

Buying

Buying a home in Clearwater

A typical home in Clearwater is worth $361,300: about the same as the county and about the same as Florida. With the typical household income in Clearwater ($66,381 a year), a typical home costs 5.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Clearwater 5.4 years
  • Pinellas 4.9 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pinellas County

According to FHFA’s house price index, home prices in Pinellas County rose 145% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Pinellas County.

Period County Florida U.S.
Last year (2025) −2.0% −0.5% +2.9%
5 years (2020–2025) +62% +60% +47%
10 years (2015–2025) +145% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Clearwater next to Pinellas County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Clearwater $361,300
  • Pinellas $355,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Clearwater $1,658
  • Pinellas $1,642
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Clearwater $66,381
  • Pinellas $72,646
  • Florida $74,568
  • United States $80,734
See the full table
Clearwater next to Pinellas County and Florida
Measure Clearwater Pinellas County Florida U.S.
Typical home value $361,300 $355,100 $359,000 $332,700
Typical monthly rent $1,658 $1,642 $1,669 $1,413
Typical yearly household income $66,381 $72,646 $74,568 $80,734
Households that own their home 59% 70% 68% 65%
Typical yearly property tax $2,625 $2,474 $2,730 $3,119
Effective property tax rate 0.73% 0.7% 0.76% 0.94%
Renters with high rent for their income 63% 60% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pinellas County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Clearwater

For a typical $361,300 home in Clearwater, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clearwater's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,933a month

    Least cash to close
    Down payment
    $12,646
    Cash to close
    $23,485
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $160

  • Conventional, 5% down $2,867a month

    Down payment
    $18,065
    Cash to close
    $28,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,328a month

    Down payment
    $72,260
    Cash to close
    $83,099
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,662a month

    Down payment
    $54,195
    Cash to close
    $65,034
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Clearwater and for Pinellas County.

Property tax

Effective rate in Clearwater

0.73%of the home’s value each year

$2,625 a year for the typical owner in Clearwater.

  • Clearwater 0.73%
  • Pinellas 0.7%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Pinellas County

FEMA does not publish these numbers by city: they are for all of Pinellas County.

Homes in the high-risk zone
1.2%
4,807
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 1.2% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clearwater

Typical rent in Clearwater is $1,658 a month: about the same as the county. In Clearwater, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pinellas County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.

HUD fair market rent for all of Pinellas County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,597 $30.71 $63,880
1 bedroom $1,648 $31.69 $65,920
2 bedrooms $1,917 $36.87 $76,680
3 bedrooms $2,448 $47.08 $97,920
4 bedrooms $2,977 $57.25 $119,080

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Clearwater

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clearwater has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,690 in 33755 to $2,380 in 33767.

4 of the 5 are above the fair market rent for Pinellas County ($1,917).

  • 33755 $1,690$2,160
  • 33759 $2,230$2,850
  • 33761 $2,140$2,730
  • 33765 $1,980$2,530
  • 33767 $2,380$3,050

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clearwater when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Clearwater

HUD lists 27 buildings with rents for lower incomes in Clearwater. These are the largest.

  • Wellington 2942 Drew St, Clearwater 33759 352 homes, 268 low-income · 1 bd: 72 · 2 bd: 184 · 3 bd: 96 · In service since 1999
  • Scattered Sites 1100 Druid Rd E, Clearwater 33756 203 homes, 200 low-income · Run by Clearwater Housing Authority · Average payment: $401 a month · Average wait: 40 months · Homes at several sites (727) 461-5777
  • Palmetto Park 1001 N Mlk Jr Ave, Clearwater 33755 179 homes, 154 low-income · 2 bd: 137 · 3 bd: 42 · In service since 2003 · For families
  • Belleair Place 1704 Clearwater Largo Rd, Clearwater 33756 180 homes, 130 low-income · 2 bd: 116 · 3 bd: 64 · In service since 2005 · For families
  • Clearbay Terrace 1770 N Betty Ln, Clearwater 33755 101 homes, 100 low-income · For older adults (727) 443-0411

See all 103 buildings in Pinellas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clearwater

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Pinellas County; 1 says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Clearwater

No down payment, repair or rent-help program on our list is for Clearwater or Pinellas County. The ones below are statewide in Florida: they work in Clearwater the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Clearwater

The HUD-approved agencies closest to the center of Clearwater, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS

    2139 NE Coachman Rd, Clearwater · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (727) 442-7075

  • Clearwater Neighborhood Housing Services, Inc.

    608 N Garden Ave, Clearwater · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (727) 442-4155

  • Consumer Credit and Budget Counseling, DBA National Foundation for Debt Management

    13921 Icot Blvd, Clearwater · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (866) 395-5769

Every agency in Pinellas County All counseling agencies in Florida

Help in Spanish near Clearwater

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Clearwater

HUD’s record names them for Clearwater or Pinellas County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Clearwater Housing Authority Public housing and Section 8 vouchers (727) 461-5777
  • Pinellas County Housing Authority Public housing and Section 8 vouchers (727) 443-7684

4 other authorities have an office in Pinellas County: see the list Source: HUD

Cities

Other cities in Pinellas County

These cities are also in Pinellas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Pinellas County Housing in Florida
See 6 more cities in Pinellas County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Clearwater, with the typical home value.

Neighboring counties

If Pinellas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Clearwater.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Clearwater

Short answers with the numbers for Clearwater and all of Pinellas County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Clearwater?

The typical home value in Clearwater is $361,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pinellas County it is $355,100.

How much does it cost to rent in Clearwater?

Typical rent in Clearwater is $1,658 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pinellas County is $1,917.

What is the FHA loan limit in Clearwater?

Clearwater uses the FHA limit for all of Pinellas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Clearwater?

The typical homeowner in Clearwater pays $2,625 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Pinellas County, the rate is 0.7%.

Where can I find free help to buy or rent in Clearwater?

There are 4 HUD-approved counseling agencies with an office in Pinellas County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).