About

Life in Clearwater

Life here revolves around a humid subtropical climate that rewards you most months but demands respect June through September, when afternoon thunderstorms roll in daily and the heat sits heavy until October arrives with relief. The downtown area—especially along the revitalized Cleveland Street District—has genuinely transformed with new restaurants, bars, high-rise condos, and a rebuilt marina, making it feel like there's actually a walkable core now, though the Church of Scientology's significant property ownership downtown is a notable quirk of the local landscape. Job prospects are solid if you're in healthcare, tech, or business services; major employers like Morton Plant Hospital, Tech Data, and Honeywell keep unemployment low at 3.8%, and the median household income sits at $66,381, though that's still below the national average.

Clearwater at a Glance

Population, income, housing and more

Median Age

46.6 yrs

Poverty Rate

14.8%

Foreign-Born

17.2%

Broadband Internet

87.2%

of households

Population Growth

-2.5%

recent change · Census Bureau

Median household income

Clearwater$66,381
Florida avg$74,568
US$80,734

Demographics17.2% foreign-born, most often from Mexico

Who lives in Clearwater: race and ethnicity, ages, households, languages and countries of origin

In Clearwater, the largest foreign-born group is from Mexico (15.8%), and 12.3% of residents speak Spanish at home.

Under 18

16.9%

of residents

65 and Older

24.1%

of residents

Households with Kids

20.2%

anyone under 18

Living Alone

36.7%

of households

Married Couples

39.4%

of households

Avg Household Size

2.27

people

Race & Ethnicity

White65.1%
Hispanic or Latino17.1%
Black10.5%
Two or more races3.7%
Asian2.8%
Other0.8%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

Mexico15.8%
Canada6.6%
Venezuela6.2%
Colombia4.9%
Poland3.5%
Cuba3.3%
Philippines3.3%
Brazil3.2%
Greece3.0%
Albania2.8%

Languages Spoken at Home

English only77.7%
Spanish12.3%
Other Indo-European3.1%
Russian/Slavic2.9%
French/Haitian1.0%
Other Asian/Pacific0.6%
Vietnamese0.6%
German/Germanic0.5%

Cost of Livingrent about average for FL

Rent, home values, and income in Clearwater

Rent and home values here are close to the FL average.

Median rent (per month)

Clearwater$1,658
Florida avg$1,669
US$1,413

Median home value

Clearwater$361,300
Florida avg$359,000
US$332,700

Rent Burdened

59.3%

spending 30%+ of income on rent

Severely Rent Burdened

31.1%

spending 50%+

Cost of Living Index

100.9

metro area (BEA) · US avg = 100

Median Property Tax

$2,625

per year, owner-occupied homes

Homeowners

58.6%

of occupied homes are owned

Typical Home Built

1978

median year built

Vacant Homes

18.2%

of housing units

Home Value Trend

$307,095
$379,028
$340,654
202120222023202420252026

Latest: $340,654 (September 2026)

Jobs & Economyunemployment about average for FL

Unemployment in Clearwater and typical pay across the metro area

Unemployment in Clearwater is close to the FL average.

Unemployment rate

Clearwater3.8%
Florida avg3.9%
US4.3%

City-level rate · BLS annual average

Unemployment Rate — 10 Year Trend

4.6%
4%
3.4%
3.1%
7.4%
4.2%
2.7%
2.8%
3.2%
3.8%
2016201720182019202020212022202320242025

City-level (BLS) · Annual averages

What Clearwater Residents Do for Work · share of employed residents by industry

Education & health care19.9%
Professional & business services14.6%
Arts, hospitality & food service11.0%
Retail10.8%
Finance & real estate10.3%
Construction7.5%
Other services7.2%
Manufacturing5.8%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$103,460
Healthcare$78,640
Business & Finance$74,980
Education$53,580
Repair & Maintenance$49,130
Construction$47,280
Office & Admin$41,600
Transportation$37,710

Tampa-St. Petersburg-Clearwater, FL metro area

Commute22.7 min avg

How Clearwater residents get to work, and the nearest airports

In Clearwater, most residents drive alone to work (62%), and 68% get there in under 30 minutes.

How People Get to Work

Drive alone62.0%
Carpool8.7%
Public transit3.7%
Walk1.4%
Work from home20.7%
Other3.5%

Commute Time Distribution

Under 15 min25.0%
15–29 min42.9%
30–44 min22.2%
45–59 min6.2%
60+ min3.6%

Nearest airports · with airline service

  • St. Petersburg Clearwater International Airport (PIE)

    Small hub1.4M passengers boarded in 2025

    8 mi
  • Tampa International Airport (TPA)

    Major hub12.1M passengers boarded in 2025

    16 mi

Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.

Safetyviolent crime 23% below national average

Crime rates for 2025

Violent crime in Clearwater runs 23% below the national average.

Violent Crime Rate

253.7

per 100,000 residents

Below average (329 national, 2025)

Property Crime Rate

1,419.3

per 100,000 residents

Below average (1,552 national, 2025)

Clearwater Police Department

Natural DisastersThunderstorm Wind most common — 10 events in 2025

Natural hazard risk, storms and earthquakes

FEMA National Risk Index

Relatively High

98.2 / 100

Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).

Coastal flooding · Very HighCold wave · Very HighHurricane · Very HighLightning · Very HighTornado · Very High

Pinellas County, county-wide · FEMA NRI December 2025

In Pinellas County, which includes Clearwater, the most common type is thunderstorm wind, with 10 recorded events in 2025.

Most common events:

Thunderstorm WindLightningTornadoTropical StormHail

Storm events by year

YearEventsTop TypeProperty Damage
202510Lightning$376,000
202413Lightning$43.9M
20234Tropical Storm$655,000
202215Thunderstorm Wind$50.7M
202110Thunderstorm Wind$61,000
202017Thunderstorm Wind$56.4M
201913Thunderstorm Wind$205,000
201817Thunderstorm Wind$753,000

Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.

0 earthquakes of magnitude 2.5+ within 100 miles in the past year

Pinellas County, county-wide

Air Quality44 median AQI — Good

Days by air quality category (2025)

Air quality in Pinellas County, which includes Clearwater, is typically good — 254 good-air days per year.

Median AQI

44

Good Days

254

per year

Moderate Days

110

per year

Unhealthy Days

0

per year

Pinellas County, county-wide

Climate90°F summers, 55°F winters

30-year climate averages (1991–2020) — monthly temperatures and precipitation

Clearwater has hot summers (avg high 90°F) and warm winters (avg low 55°F).

Spring (Mar–May)

82°/64°F

avg high / low

Summer (Jun–Aug)

90°/76°F

avg high / low

Fall (Sep–Nov)

83°/69°F

avg high / low

Winter (Dec–Feb)

72°/55°F

avg high / low

Annual Precipitation

56.1"

Annual Snowfall

0.0"

Hot Days/Year

94

days above 90°F

Freeze Days/Year

0

days below 32°F

Rainy Days/Year

119

Average month

High °FLow °FPrecip (in)
40°50°60°70°80°90°100°10"Jan: 2.62" precipitationFeb: 2.38" precipitationMar: 2.43" precipitationApr: 2.57" precipitationMay: 2.73" precipitationJun: 8.86" precipitationJul: 9.73" precipitationAug: 8.83" precipitationSep: 6.40" precipitationOct: 2.49" precipitationNov: 1.64" precipitationDec: 2.94" precipitation53°JJan: high 71°F, low 53°FFFeb: high 73°F, low 55°FMMar: high 77°F, low 59°FAApr: high 82°F, low 64°FMMay: high 87°F, low 70°FJJun: high 90°F, low 75°FJJul: high 90°F, low 76°F91°AAug: high 91°F, low 76°FSSep: high 89°F, low 75°FOOct: high 84°F, low 70°FNNov: high 77°F, low 61°FDDec: high 73°F, low 56°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan71°F53°F2.62"
Feb73°F55°F2.38"
Mar77°F59°F2.43"
Apr82°F64°F2.57"
May87°F70°F2.73"
Jun90°F75°F8.86"
Jul90°F76°F9.73"
Aug91°F76°F8.83"
Sep89°F75°F6.40"
Oct84°F70°F2.49"
Nov77°F61°F1.64"
Dec73°F56°F2.94"

Healthcare1 hospital, avg 4.0/5

Hospitals, ratings, and health insurance in Clearwater

Clearwater has 1 hospital, averaging 4.0 out of 5 on CMS's quality rating — above-average care.

Hospitals

1

within city limits

Uninsured

15.1%

of residents

Avg Hospital Rating

4.0 / 5

Morton Plant Hospital

Acute Care Hospitals · ER available

Nearby hospitals · within 15 miles

Mease Dunedin Hospital

Acute Care Hospitals · ER available · 2.5 mi away · Dunedin

HCA Florida Largo Hospital

Acute Care Hospitals · ER available · 4.9 mi away · Largo

Windmoor Healthcare of Clearwater

Psychiatric · 8.2 mi away · Clearwater

Not rated

Adult Health · vs. the typical US place

Obesity33.3%US 36.8%
Diabetes13.5%US 12.6%
High blood pressure36.6%US 37.1%
Current smoking14.0%US 15.0%
No leisure-time physical activity25.9%US 26.6%
Depression20.0%US 23.0%
Asthma9.8%US 10.7%
Routine checkup in past year78.3%US 78.2%

Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.

Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.

Education15.5:1 student/teacher ratio

Schools and degree attainment in Clearwater

Clearwater's student/teacher ratio is 15.5:1, close to the national average of 16:1, and 32.6% of adults 25+ hold a bachelor's degree or higher.

Public Schools

20

within city limits

Private Schools

12

within city limits

College Degree Rate

32.6%

adults 25+ with bachelor's or higher

Student/Teacher Ratio

15.5:1

National avg 16:1

Schools located within city limits (2023) — school-level metrics change slowly year to year

Colleges & Universities in Clearwater

Ultimate Medical Academy

Private nonprofit · 2-year · 8,932 students · 59% graduate · median earnings $33,775 (10 yrs after entry)

Nearby Colleges (within 15 miles)

Galen College of Nursing-Tampa Bay

10.9 mi away

Private for-profit · 2-year · 1,465 students · in-state tuition $18,790 · 60% graduate · median earnings $69,188 (10 yrs after entry)

Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)

Parks & Recreationclosest: De Soto National Memorial, 33 mi

Nearby national parks, recreation areas and public libraries for Clearwater

Clearwater has 1 nearby national park or recreation area, closest being De Soto National Memorial (33 mi away).

Nearby National Parks & Recreation Areas

De Soto National Memorial

National Memorial

33 mi away

Public Libraries in Clearwater

Beach Branch Library

69 Bay Esplanade, Clearwater

Branch~29 hrs/week

Clearwater Public Library System

100 North Osceola Avenue, Clearwater

Branch~44 hrs/week

Countryside Branch Library

2642 Sabal Springs Drive, Clearwater

Branch~49 hrs/week

East Branch Library

2465 Drew Street, Clearwater

Branch~57 hrs/week

North Greenwood Branch Library

905 N. Martin Luther King Jr. Ave., Clearwater

Branch~46 hrs/week

Cities Near Clearwater

The closest cities within 60 miles

Planning a move to Clearwater?

Read our full moving guide — what it's really like to live here.

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Clearwater FAQ

Is Clearwater, Florida affordable?⌄

Clearwater's median rent is $1,658/month, which is above the national average. The median household income is $66,381/year. Median home value is $361,300.

Is Clearwater, Florida safe?⌄

Clearwater's violent crime rate was 254 per 100,000 residents in 2025, which is below the national average of 329/100k that year. Property crime rate is 1419 per 100,000. As with any city, crime rates vary by neighborhood.

What is the job market like in Clearwater, Florida?⌄

Clearwater has an unemployment rate of 3.8%, which is close to the national average of 4.3%.

What is the cost of living in Clearwater, Florida?⌄

The cost of living in Clearwater is primarily driven by housing. Median rent is $1,658/month and median household income is $66,381/year. The median home value is $361,300. About 59% of renters spend more than 30% of their income on housing.

How is the commute in Clearwater, Florida?⌄

The average commute in Clearwater is 23 minutes, which is about average compared to the national average of 26 minutes.

Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from