Clearwater, FL Utility & Living Guide

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Tier 2 Location

Clearwater, FL Utility & Living Guide

Clearwater, FL offers a vibrant coastal lifestyle with beautiful beaches and a warm climate.

Last updated: June 26, 2026
Total Utilities$305/mo
1BR Rent$1200/mo
Sales Tax7.5%
COL Index105 (+5% above national average)
Family Score6/10
Median Home$320,000
🌤️ Live Weather — Clearwater
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⚠️ Natural Hazard History — Clearwater
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

Duke Energy Florida
🔥 Gas

$50/mo

N/A - Electric only
💧 Water

$45/mo

City of Clearwater Water Department
🗑️ Garbage

$25/mo

City of Clearwater Solid Waste Department
📶 Internet

$65/mo

Combined Average Overhead $305/month

Housing Market

Rent & Property
1 Bedroom$1200/mo
2 Bedrooms$1600/mo
3 Bedrooms$2100/mo
Median Home Price$320,000
Property Tax Rate1.2%
Avg Childcare/mo$1000

The Clearwater housing market is competitive, with prices rising due to demand for coastal living. Inventory is tight, especially for single-family homes near the beach.

Cost of Living

Overall COL Index

105

US national avg = 100
vs National Avg

+5% above national average

Groceries

102

Transportation

98

Healthcare

100

Childcare/mo

$1000

Tax Rates

Tax Overview
Total Sales Tax7.5%
Property Tax Rate1.2%
<p>State 6% + County 1% + City 0.5%</p>

Florida has no state income tax.

Family & Relocation

Family Vibe Score
6/10
Safety Index

50

Higher = safer
School Rating

6.5/10

GreatSchools avg
Avg Childcare

$1000/mo

City Pulse

Population Trend
+3% (growing)
Political Climate
Purple (mixed Republican/Democratic leanings)
Business Momentum
Moderate with key industries in tourism, healthcare, and marine sciences.
Top Local Concerns
Hurricane preparedness, traffic congestion, affordable housing
🚌 Transit for Families

Public transit is limited; buses are accessible but not always stroller-friendly.

🎡 Top Kid Attractions
  • 🎯
    Clearwater Marine Aquarium
  • 🎯
    Sand Key Park
  • 🎯
    Moccasin Lake Nature Park

Best Neighborhoods for Families

Countryside and Belleair are popular for families due to good schools and parks. Beach neighborhoods offer a resort-like lifestyle but at higher costs.

Household Budget Calculator

Estimate your real monthly cost of living in Clearwater based on your household profile.

Local Briefing & Neighborhood Pulse

Local Regulation Notice

Short-term rental regulations apply; beachfront properties may have additional zoning restrictions.

Relocation Overview

Clearwater's real estate market is booming due to remote work trends. Tourism and healthcare sectors are driving local economic growth.

Live Local News

Financial Tools

Calculators
Planning Tools

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📊 Clearwater — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

💰 Median Household Income
$54,182
👤 Median Age
45.8
🏠 Homeownership Rate
58.2%
🔑 Renter Rate
41.8%
📉 Poverty Rate
15.5%
💼 Unemployment Rate
5.7%
📡 Internet Access
83.7%
🎓 College Educated
28.4%

☀️ Seasonal Utility Costs

Summer AC usage spikes electric bills, while winter costs are lower due to mild temperatures. Water usage may rise in dry seasons for landscaping.

🏛️ Local Tax Details

Key ZIP code level tax info: Property tax millage rates vary by ZIP, with beach areas often higher. Clearwater has no local surtax beyond county rates.

👶 Family & Stroller Friendliness

7/10: Sidewalks are common in newer areas, parks are accessible, but transit elevators are rare. Beach access points are stroller-friendly.

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