Last update: Oct 2026

Cost of Living Comparison Between Clearwater, FL and Keller, TX

For one person, living is cheaper in Keller, TX: $2,495 a month against $2,966 in Clearwater, FL, rent and utilities included – about $5,700 less a year. Rent and utilities account for most of the difference.

143

Cost of Living Index in Clearwater, FL
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Clearwater, FL Living Index
120

Cost of Living Index in Keller, TX
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Keller, TX Living Index

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Clearwater, FL

🇺🇸 United States

$2,966

/mo nomad

Keller, TX

🇺🇸 United States

$2,495

/mo nomad

Monthly Cost of Living

How much you'll spend in Clearwater, FL and in Keller, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Clearwater, FL and in Keller, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,966 in Clearwater, FL versus $2,495 in Keller, TX.

Clearwater, FL $2,966
Keller, TX $2,495

Estimated couple costs with rent: $4,418 in Clearwater, FL versus $3,551 in Keller, TX.

Clearwater, FL $4,418
Keller, TX $3,551

Monthly costs for a family of three with rent: $5,870 in Clearwater, FL versus $4,607 in Keller, TX.

Clearwater, FL $5,870
Keller, TX $4,607

Living in Clearwater, FL is roughly 19% more expensive than in Keller, TX, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Clearwater, FL 118% above, Keller, TX 83% above.

Meal at Budget Restaurant

$17.13 $17.13

$20.06 $20.06

-14.61%

Three-Course Dinner for Two, Mid-Range

$68.5 $68.5

$64.2 $64.2

6.72%

Fast Food Meal (McDonalds, etc)

$11.70 $11.70

$12.04 $12.04

-2.82%

Cappuccino

$4.94 $4.94

$5.29 $5.29

-6.62%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.27 $2.27

$2.76 $2.76

-17.75%

Water (0.33 liter bottle)

$1.82 $1.82

$2.32 $2.32

-21.55%

Local Beer (0.5 liter draught)

$5.48 $5.48

$5.46 $5.46

0.37%

Imported Beer (0.33 liter bottle)

$8.07 $8.07

$7.81 $7.81

3.33%

Milk (1 liter)

$0.98 $0.98

$0.89 $0.89

10.11%

White Bread (500g)

$3.75 $3.75

$3.64 $3.64

3.02%

Rice (white) (1kg)

$4.42 $4.42

$3.77 $3.77

17.24%

Eggs

$4.03 $4.03

$5.90 $5.90

-31.69%

Local Cheese (1kg)

$10.81 $10.81

$10.82 $10.82

-0.09%

Chicken Fillets (1kg)

$14.43 $14.43

$13.87 $13.87

4.04%

Beef Round Steak (1kg)

$19.67 $19.67

$19.72 $19.72

-0.25%

Apples (1kg)

$6.50 $6.50

$4.78 $4.78

35.98%

Banana (1kg)

$1.47 $1.47

$2.47 $2.47

-40.49%

Oranges (1kg)

$6.07 $6.07

$4.35 $4.35

39.54%

Tomato (1kg)

$6.16 $6.16

$4.73 $4.73

30.23%

Potato (1kg)

$4.66 $4.66

$2.64 $2.64

76.52%

Onion (1kg)

$3.88 $3.88

$3.03 $3.03

28.05%

Lettuce (1 head)

$2.58 $2.58

$2.25 $2.25

14.67%

Water (1.5 liter bottle)

$2.69 $2.69

$2.47 $2.47

8.91%

Cigarettes 20 Pack (Marlboro, Camel)

$9.10 $9.10

$10.04 $10.04

-9.36%

Wine (Bottle)

$16.81 $16.81

$13.84 $13.84

21.46%

Local Beer (0.5 liter bottle)

$1.81 $1.81

$2.03 $2.03

-10.84%

Imported Beer (0.33 liter bottle)

$4.63 $4.63

$3.23 $3.23

43.34%

One-way Ticket (Public Transport)

$2.94 $2.94

Public Transport Monthly Pass (Regular Price)

$80.7 $80.7

Taxi Start (Normal Tariff)

$3.31 $3.31

$2.81 $2.81

17.79%

Taxi (Normal Tariff) (1km)

$0.66 $0.66

$1.24 $1.24

-46.77%

Taxi 1hour Waiting (Normal Tariff)

$61.2 $61.2

$23.80 $23.80

157.10%

Gasoline (1 liter)

$0.97 $0.97

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$27.8K $27.8K

$28.0K $28.0K

-1.01%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.1K $26.1K

$25.6K $25.6K

1.71%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$249 $249

$212 $212

17.64%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$55.4 $55.4

$86.2 $86.2

-35.70%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$84.6 $84.6

-10.57%

Gym Membership (Monthly)

$37.23 $37.23

$80.3 $80.3

-53.65%

Tennis Court (1 Hour on Weekend)

$25.09 $25.09

Cinema Ticket

$16.03 $16.03

$15.06 $15.06

6.44%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,252 $1,252

$1,524 $1,524

-17.88%

International Primary School, 1 Child (Yearly)

$25.4K $25.4K

$24.2K $24.2K

5.25%

Jeans (Levis 501 Or Similar)

$75.3 $75.3

$53.6 $53.6

40.46%

Summer Dress (H&M, Zara, etc)

$54.4 $54.4

$40.60 $40.60

33.97%

Sport Shoes (Adidas, Nike)

$108 $108

$105 $105

2.32%

Men's Leather Business Shoes

$140 $140

$131 $131

6.83%

1-bedroom Apartment, City Center (Monthly)

$1,973 $1,973

$1,290 $1,290

52.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,499 $1,499

$1,099 $1,099

36.35%

3-bedroom Apartment, City Center (Monthly)

$3,204 $3,204

$1,796 $1,796

78.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,708 $2,708

$1,617 $1,617

67.51%

Buy Apartment in City Center (m2)

$3,115 $3,115

Buy Apartment Outside City Center (m2)

$2,528 $2,528

Average Monthly Net Salary (After Tax)

$3,695 $3,695

$4,142 $4,142

-10.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

6.45

2.17%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Clearwater, FL: October 24, 2026

Last update for Keller, TX: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Clearwater, FL

$1.5K 50.5%

Keller, TX

$1.1K 44.1% 26.7% $400

Groceries & Markets

Clearwater, FL

$457 15.4%

Keller, TX

$422 16.9% 7.8% $36

Monthly Utilities & Internet

Clearwater, FL

$380 12.8%

Keller, TX

$383 15.3% 0.6% $2.3

Eating Out

Clearwater, FL

$291 9.8%

Keller, TX

$323 13% 11% $32

Clothing & Footwear

Clearwater, FL

$170 5.7%

Keller, TX

$149 6% 12.4% $21

Getting Around

Clearwater, FL

$99 3.3%

Keller, TX

$9 * 0.4% 90.9% $90

Sport & Entertainment

Clearwater, FL

$69 2.3%

Keller, TX

$110 4.4% 59.4% $41

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,973 in Clearwater, FL and $1,290 in Keller, TX. Housing cost is often the main lever when comparing two cities.

Keller, TX pays 12% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $68 in Clearwater, FL vs $64 in Keller, TX for a mid-range dinner for two. Groceries echo the gap at $457 vs $422 per month, with Keller, TX cheaper across the board.

Good to know

🇺🇸 Clearwater, FL

🇺🇸 Keller, TX

🕒 Local time

18:10 6:10 PM

17:10 5:10 PM

1 h behind Clearwater, FL

🌤 Weather

👥 Population

107,742

42,907

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

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Between locations

Clearwater, FL Keller, TX 1,490 km ≈ 2 h 15 min nonstop flight

From you

Clearwater, FL
Keller, TX

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Clearwater, FL vs Keller, TX: Cost of Living - Frequently Asked Questions

Keller, TX is about 16% cheaper overall, especially in transport, groceries, and clothing. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 11% lower in Clearwater, FL. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,973 in Clearwater, FL versus $1,290 in Keller, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,252 in Clearwater, FL versus $1,524 in Keller, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Keller, TX – a meal for two runs $64 versus $68 in Clearwater, FL. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.