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Living in
Clearwater.
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
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
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
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)
Median home value
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
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
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Clearwater Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
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
Commute Time Distribution
Nearest airports · with airline service
- 8 mi
St. Petersburg Clearwater International Airport (PIE)
Small hub1.4M passengers boarded in 2025
- 16 mi
Tampa International Airport (TPA)
Major hub12.1M passengers boarded in 2025
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).
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:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 10 | Lightning | $376,000 |
| 2024 | 13 | Lightning | $43.9M |
| 2023 | 4 | Tropical Storm | $655,000 |
| 2022 | 15 | Thunderstorm Wind | $50.7M |
| 2021 | 10 | Thunderstorm Wind | $61,000 |
| 2020 | 17 | Thunderstorm Wind | $56.4M |
| 2019 | 13 | Thunderstorm Wind | $205,000 |
| 2018 | 17 | Thunderstorm 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
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 71°F | 53°F | 2.62" |
| Feb | 73°F | 55°F | 2.38" |
| Mar | 77°F | 59°F | 2.43" |
| Apr | 82°F | 64°F | 2.57" |
| May | 87°F | 70°F | 2.73" |
| Jun | 90°F | 75°F | 8.86" |
| Jul | 90°F | 76°F | 9.73" |
| Aug | 91°F | 76°F | 8.83" |
| Sep | 89°F | 75°F | 6.40" |
| Oct | 84°F | 70°F | 2.49" |
| Nov | 77°F | 61°F | 1.64" |
| Dec | 73°F | 56°F | 2.94" |
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
Adult Health · vs. the typical US place
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
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 awayPrivate 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 awayPublic Libraries in Clearwater
Beach Branch Library
69 Bay Esplanade, Clearwater
Clearwater Public Library System
100 North Osceola Avenue, Clearwater
Countryside Branch Library
2642 Sabal Springs Drive, Clearwater
East Branch Library
2465 Drew Street, Clearwater
North Greenwood Branch Library
905 N. Martin Luther King Jr. Ave., Clearwater
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.
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