Clearwater, FL population, income and ZIP codes

Clearwater city is a mid-size city in Florida, with 117,075 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #20 of 955 ranked by population — larger than 98% of them. The median age here is 46.4 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in Clearwater city earn a median of $64,440 a year, 18% below the national figure of $78,538 and 6% below the $68,617 median for the 775 Florida cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 15.4% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Clearwater city is valued at $326,100, 7.5% above the national figure and 7% above the $305,300 peer median, while median gross rent runs $1,539 a month, 9.5% above the national figure, or roughly $18,468 across a full year. A household on the local median income would put about 28.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 5.1×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 59.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.