Clearwater Homes for Sale

Clearwater is a Pinellas city with a mainland grid and a separate beach. Tourism and seasonal rentals sit next to year-round neighborhoods. This guide is the city story. Live listings for the whole city sit on the inventory search, not on the beach-only or waterfront-only pages.

Current listings and prices

There are updating homes for sale. The median list price is updating, and the average is updating. The median price per square foot is updating. The median size is updating. Median days on market is updating, and the average is updating.

Those numbers are the city snapshot on this page. Open homes for sale in Clearwater, FL for the live grid. Beach inventory stays on Clearwater Beach homes. Waterfront stays on Clearwater waterfront homes.

What are the areas inside Clearwater?

The beach side (Clearwater Beach and Sand Key) is condos and vacation use. The mainland is more single-family streets with yards. Harbor Oaks, Countryside, and On Top of the World are not the same product. Drive the block. Confirm the plat on the listing, not a national map label.

How do schools work here?

Pinellas County Schools serve Clearwater. Attendance zones change. Verify the zoned campuses with the district for any address you write an offer on.

What costs sit past the list price?

The list price is only the starting number. Property taxes, insurance, association dues when they apply, and utilities also belong in a Clearwater budget. This section uses official public figures reviewed November 10, 2026. It is not a personal budget, not a payment quote, and not a claim that Clearwater is inexpensive or expensive for every household. Current asking prices sit in the listings section on this page, and you can also browse Clearwater homes for sale.

State income tax

Florida does not levy a state personal income tax. That is a state rule, not a city discount, and it does not remove federal income tax, property tax, or insurance. Confirm current tax rules with the Florida Department of Revenue at floridarevenue.com and with your tax professional. I don't give tax advice.

Property taxes and the homestead exemption

Property tax is based on taxable value and the millage that applies to the parcel, not on a single citywide rate I can make up here. Confirm the assessed value, exemptions, and tax bill for a specific address with the Pinellas County Property Appraiser and Tax Collector.

If the home is your permanent residence and you qualify, a Florida homestead exemption can reduce taxable value. Under section 196.031, Florida Statutes, the first $25,000 of assessed value is exempt from all property taxes, including school taxes. A second, additional exemption applies to assessed value above $50,000 and covers non-school taxes only. That additional amount is adjusted each year for inflation. The Florida Department of Revenue's Additional Homestead Exemption Adjustment, revised January 2026 and reviewed November 10, 2026, lists the 2026 maximum additional exemption as $26,411, based on a 2.7 percent CPI change. The Pinellas County Property Appraiser lists the full 2026 homestead exemption as $51,411. A home with a lower assessed value gets a smaller additional amount. Homestead rules may change starting in 2027 if a homestead amendment on the November 2026 ballot is certified. See the official PDF at floridarevenue.com/property/Documents/cpi_homestead_exemption.pdf, the Pinellas County Property Appraiser's homestead exemption page, and the walkthrough in Florida homestead exemption. I can't promise a tax savings from this page.

Rent context from HUD, not a street-by-street rent survey

If you are comparing a purchase to renting, use a current local quote for the unit in front of you. Official Fair Market Rents are a published benchmark, not the asking rent on a specific Clearwater street. HUD's FY 2027 Schedule of Metropolitan and Nonmetropolitan Fair Market Rents, reviewed November 10, 2026, lists the following figures for the Tampa-St. Petersburg-Clearwater, FL MSA, which includes Pinellas County: $1,597 for an efficiency, $1,648 for a one-bedroom, $1,917 for a two-bedroom, $2,448 for a three-bedroom, and $2,977 for a four-bedroom. Those amounts are metro-area figures used in HUD programs. HUD generally sets them at the 40th percentile of rents paid by recent movers, and they include the cost of utilities other than telephone, so they are not a typical asking rent. In this metro area, HUD uses Small Area Fair Market Rents by ZIP code for the Housing Choice Voucher program, and those can differ from the metro figure. The official schedule is at huduser.gov/portal/datasets/fmr/fmr2027/FY2027_FMR_Schedule.pdf.

Income and housing-cost tables from the Census Bureau

I'm not publishing a city median income or a typical monthly owner cost in this section, because official American Community Survey tables for Clearwater city, Florida, should be read from the U.S. Census Bureau rather than restated from a secondary summary. Start with the Census Bureau's Clearwater city profile and ACS tables at data.census.gov, and confirm the table year when you use a figure.

Insurance, flood, and association dues

Homeowners, wind, and flood insurance are property-specific in Pinellas County. If the home is in a Special Flood Hazard Area, flood insurance is generally required for a mortgage from a federally regulated or federally backed lender. Outside that area, it can still be worth pricing, especially near the water. I'm not a licensed insurance agent and don't sell or recommend policies. For quotes and coverage, talk with a licensed Florida insurance agent. See Florida flood zones and Pinellas home insurance, wind mitigation, and flood.

Some properties also have HOA or condominium dues and special assessments. I don't make up those amounts here. Read the documents for the address, and see Florida HOA fees.

If you want to talk through how taxes, insurance, and dues affect a loan payment on a specific Clearwater home, start with financing options or book a consultation. Any loan approval is conditional until all underwriting conditions are met.

Nearby city searches

Dunedin homes for sale, Safety Harbor homes for sale, and Palm Harbor homes for sale. Community guides: Dunedin, Safety Harbor, On Top of the World, Harbor Oaks, The Fountains at Countryside.

I am Jonathan Loescher, a Florida real estate licensee and loan originator. The real estate file runs through Realty of America (SL3546365). Mortgage origination runs through PMF, Inc. (NMLS 1980; my NMLS 2621894). You do not have to use both. Book a consultation or open the listings grid.