Moving to Clearwater, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Clearwater, Florida over the last 12 months went for $312,000 (1,905 closings across 628 communities in Momentum’s MLS record), about $236 per square foot for a median 1,250-sq-ft home built around 1975. Homes currently listed have been on the market a median of 50 days, and with 801 active listings against that sales pace the city is carrying roughly 5.0 months of supply. Sellers have been getting about 93% of their original asking price. That median is 22% below the median across Momentum’s Florida and Georgia coverage.
Clearwater right now — September 2026
Live pages for your move: 1,184 homes for sale in Clearwater · Luxury homes · New construction · Condos (607) · Townhomes (70) · Homes by ZIP (10 ZIPs) · New listings this week · Price reductions · What your budget buys in Pinellas County · Cost of living · Best neighborhoods · Property tax · Flood zones by neighborhood · Pinellas County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Clearwater
Three price points from 1,724 recent Clearwater closings in our record, each showing what actually closed within 10% of that price:
- Around $205,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,095 sq ft, built around 1982 (131 sales).
- Around $312,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,216 sq ft, built around 1964 (205 sales).
- Around $500,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,757 sq ft, built around 1973 (195 sales).
The real monthly cost of owning in Clearwater
Take the median $312,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $1,666/month. Pinellas County’s typical total millage is 19.39 mills, so after the $50,000 homestead exemption the property tax is roughly $5,079/year ($423/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Pinellas County is about $1,911/year; private-market quotes vary with roof age and wind mitigation. 38% of current Clearwater listings carry an HOA, with a median of $475/month where one applies. All in, budget on the order of $2,248/month to own the median Clearwater home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Pinellas County property tax guide and our home insurance by county map.
Where people are buying: Clearwater’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| On Top of the World Clearwater | 216 | $145,000 | 61 |
| Village on the Green | 29 | $230,000 | 36 |
| Clearwater Cascade | 23 | $102,000 | 77 |
| Inverness Condo | 23 | $165,000 | 95 |
| Newport | 21 | $435,000 | 36 |
| Bay Aristocrat Village | 20 | $139,500 | 82 |
| The Grande on Sand Key | 20 | $1,283,500 | 63 |
| Brookfield | 20 | $383,000 | 33 |
Clearwater by ZIP code
Sales and medians by ZIP over the same 12 months: 33764 (263 sales, median $396,000), 33755 (243 sales, median $360,000), 33756 (234 sales, median $325,500), 33761 (233 sales, median $273,000), 33759 (155 sales, median $326,900), 33767 (115 sales, median $850,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 53% were single-family homes, 12% townhomes or villas, and 32% condos. New construction accounted for 2% of closings, led by Summerset Villas, Bayside Pointe, Sidney Street Twin Villas. The housing stock skews older: 4% of homes sold were built in 2015 or later and 61% before 1980.
Getting around from Clearwater
Measured from the center of Clearwater’s recent sales: Tampa International Airport (TPA) is about 13 miles; Downtown Tampa is about 17 miles; Sarasota is about 45 miles; Lakeland is about 49 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Pinellas County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Pinellas County’s typical millage of 19.39; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Pinellas County average of $1,911/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Clearwater: the case for and against
What works in Clearwater’s favor
- prices run 22% below the statewide median in our coverage
- insurance is comparatively manageable here (Citizens average $1,911/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Clearwater relocation toolkit
- Homes for sale in Clearwater right now
- Cost of living in Clearwater
- Best neighborhoods in Clearwater
- New construction in Clearwater
- Find an agent in Clearwater
- Clearwater ZIP codes with prices
- Search every Clearwater community
Common questions about moving to Clearwater
How much does a house cost in Clearwater, FL?
What does it cost per month to own a home in Clearwater?
What are property taxes like in Clearwater?
Is Clearwater a buyer's or seller's market right now?
Is there a lot of new construction in Clearwater?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Clearwater communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Pinellas County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.