Cost of Living Comparison Between Clearwater, FL and Waterford Cost of Living Comparison Between Clearwater, FL and Waterford

Monthly Cost of Living

Monthly costs for one person with rent: $3,015 in Clearwater, FL versus $2,732 in Waterford.

Estimated couple costs with rent: $4,450 in Clearwater, FL versus $4,016 in Waterford.

Monthly costs for a family of three with rent: $5,885 in Clearwater, FL versus $5,300 in Waterford.

Living in Clearwater, FL is roughly 10% more expensive than in Waterford, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Clearwater, FL 120% above, Waterford 100% above.

Meal at Budget Restaurant

$16.76 $16.76

$22.71 €19.80

-26.20%

Three-Course Dinner for Two, Mid-Range

$67.9 $67.9

$97.8 €85.3

-30.62%

Fast Food Meal (McDonalds, etc)

$11.41 $11.41

$12.59 €10.97

-9.37%

Cappuccino

$4.82 $4.82

$4.07 €3.55

18.43%

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

$2.28 $2.28

$3.00 €2.61

-24.00%

Water (0.33 liter bottle)

$1.78 $1.78

$2.21 €1.93

-19.46%

Local Beer (0.5 liter draught)

$5.65 $5.65

$7.48 €6.52

-24.47%

Imported Beer (0.33 liter bottle)

$8.04 $8.04

$6.00 €5.23

34.00%

Milk (1 liter)

$0.98 $0.98

$1.48 €1.29

-33.78%

White Bread (500g)

$3.83 $3.83

$2.44 €2.13

56.97%

Rice (white) (1kg)

$4.35 $4.35

$2.25 €1.96

93.33%

Eggs

$4.13 $4.13

$4.48 €3.90

-7.81%

Local Cheese (1kg)

$10.99 $10.99

$15.02 €13.09

-26.83%

Chicken Fillets (1kg)

$15.00 $15.00

$10.98 €9.57

36.61%

Beef Round Steak (1kg)

$19.70 $19.70

$14.06 €12.26

40.11%

Apples (1kg)

$6.19 $6.19

$3.10 €2.70

99.68%

Banana (1kg)

$1.51 $1.51

$2.33 €2.03

-35.19%

Oranges (1kg)

$6.12 $6.12

$3.20 €2.79

91.25%

Tomato (1kg)

$6.09 $6.09

$4.34 €3.78

40.32%

Potato (1kg)

$4.05 $4.05

$1.76 €1.53

130.11%

Onion (1kg)

$3.74 $3.74

$1.56 €1.36

139.74%

Lettuce (1 head)

$2.62 $2.62

$1.36 €1.18

92.65%

Water (1.5 liter bottle)

$2.64 $2.64

$1.87 €1.63

41.18%

Cigarettes 20 Pack (Marlboro, Camel)

$10.80 $10.80

$18.77 €16.36

-42.46%

Wine (Bottle)

$16.39 $16.39

$14.25 €12.43

15.02%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$3.03 €2.64

-39.27%

Imported Beer (0.33 liter bottle)

$4.56 $4.56

$3.23 €2.81

41.18%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.56 €2.23

15.23%

Public Transport Monthly Pass (Regular Price)

$44.65 $44.65

$61.0 €53.2

-26.85%

Taxi Start (Normal Tariff)

$3.33 $3.33

$5.33 €4.65

-37.52%

Taxi (Normal Tariff) (1km)

$0.67 $0.67

$1.54 €1.35

-56.49%

Taxi 1hour Waiting (Normal Tariff)

$60.8 $60.8

$57.1 €49.80

6.44%

Gasoline (1 liter)

$0.89 $0.89

$2.20 €1.92

-59.55%

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

$37.5K $37.5K

$40.3K €35.2K

-6.90%

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

$25.3K $25.3K

$38.0K €33.1K

-33.40%

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

$249 $249

$231 €202

7.61%

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

$56.7 $56.7

$23.30 €20.31

143.13%

Internet (50+ Mbps, Unlimited Data)

$77.0 $77.0

$53.4 €46.53

44.29%

Gym Membership (Monthly)

$39.91 $39.91

$51.1 €44.52

-21.85%

Tennis Court (1 Hour on Weekend)

$25.37 $25.37

$14.33 €12.49

77.04%

Cinema Ticket

$16.20 $16.20

$17.62 €15.36

-8.06%

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

$1,250 $1,250

$1,027 €895

21.72%

International Primary School, 1 Child (Yearly)

$24.8K $24.8K

Jeans (Levis 501 Or Similar)

$75.2 $75.2

$73.4 €64.0

2.52%

Summer Dress (H&M, Zara, etc)

$54.1 $54.1

$49.16 €42.85

10.05%

Sport Shoes (Adidas, Nike)

$109 $109

$114 €99.7

-4.43%

Men's Leather Business Shoes

$138 $138

$118 €103

17.13%

1-bedroom Apartment, City Center (Monthly)

$2,044 $2,044

$1,720 €1,499

18.85%

1-bedroom Apartment, Outside City Center (Monthly)

$1,561 $1,561

$1,393 €1,214

12.08%

3-bedroom Apartment, City Center (Monthly)

$3,637 $3,637

$2,669 €2,326

36.30%

3-bedroom Apartment, Outside City Center (Monthly)

$2,869 $2,869

$2,205 €1,922

30.13%

Buy Apartment in City Center (m2)

$2,903 $2,903

$3,410 €2,973

-14.88%

Buy Apartment Outside City Center (m2)

$2,713 $2,713

$2,622 €2,286

3.48%

Average Monthly Net Salary (After Tax)

$3,658 $3,658

$3,273 €2,853

11.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.18

4.14

49.28%

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

Last update for Clearwater, FL: September 14, 2026

Last update for Waterford: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,044 in Clearwater, FL and $1,720 in Waterford. Housing cost is often the main lever when comparing two cities.

Clearwater, FL pays 12% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $68.0 in Clearwater, FL vs $98.0 in Waterford. Groceries flip the comparison at $457 vs $359, with Waterford cheaper for home cooking.

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 Waterford: Cost of Living - Frequently Asked Questions

Waterford is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Monthly Utilities & Internet. The 10% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 12% higher in Clearwater, FL, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,044 in Clearwater, FL versus $1,720 in Waterford. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $3,015 per month in Clearwater, FL versus $2,732 in Waterford – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Waterford runs roughly 37% less than in Clearwater, FL. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $3,000. Waterford is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

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.

Safety-wise, Clearwater, FL and Waterford are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Waterford gentler on the wallet – expenses run 10% less than in Clearwater, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.