Last update: Oct 2026

Cost of Living Comparison Between Clearwater, FL and Waterford

For one person, living is cheaper in Waterford: $2,623 a month against $2,966 in Clearwater, FL, rent and utilities included – about $4,100 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
127

Cost of Living Index in Waterford
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Waterford Living Index

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Clearwater, FL

🇺🇸 United States

$2,966

/mo nomad

Waterford

🇮🇪 Ireland

$2,623

/mo nomad

Monthly Cost of Living

How much you'll spend in Clearwater, FL and in Waterford

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 Waterford actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,966 in Clearwater, FL versus $2,623 in Waterford.

Clearwater, FL $2,966
Waterford $2,623

Estimated couple costs with rent: $4,418 in Clearwater, FL versus $3,792 in Waterford.

Clearwater, FL $4,418
Waterford $3,792

Monthly costs for a family of three with rent: $5,870 in Clearwater, FL versus $4,961 in Waterford.

Clearwater, FL $5,870
Waterford $4,961

Living in Clearwater, FL is roughly 13% more expensive than in Waterford, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Clearwater, FL 118% above, Waterford 93% above.

Meal at Budget Restaurant

$17.13 $17.13

$22.70 €20.33

-24.54%

Three-Course Dinner for Two, Mid-Range

$68.5 $68.5

$92.3 €82.7

-25.81%

Fast Food Meal (McDonalds, etc)

$11.70 $11.70

$12.42 €11.13

-5.80%

Cappuccino

$4.94 $4.94

$3.96 €3.54

24.75%

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

$2.27 $2.27

$2.88 €2.58

-21.18%

Water (0.33 liter bottle)

$1.82 $1.82

$2.08 €1.86

-12.50%

Local Beer (0.5 liter draught)

$5.48 $5.48

$7.15 €6.40

-23.36%

Imported Beer (0.33 liter bottle)

$8.07 $8.07

$6.23 €5.58

29.53%

Milk (1 liter)

$0.98 $0.98

$1.47 €1.32

-33.33%

White Bread (500g)

$3.75 $3.75

$2.29 €2.05

63.76%

Rice (white) (1kg)

$4.42 $4.42

$2.23 €2.00

98.21%

Eggs

$4.03 $4.03

$4.30 €3.85

-6.28%

Local Cheese (1kg)

$10.81 $10.81

$15.68 €14.05

-31.06%

Chicken Fillets (1kg)

$14.43 $14.43

$11.06 €9.90

30.47%

Beef Round Steak (1kg)

$19.67 $19.67

$13.25 €11.86

48.45%

Apples (1kg)

$6.50 $6.50

$3.03 €2.72

114.52%

Banana (1kg)

$1.47 $1.47

$2.25 €2.02

-34.67%

Oranges (1kg)

$6.07 $6.07

$3.10 €2.78

95.81%

Tomato (1kg)

$6.16 $6.16

$4.03 €3.61

52.85%

Potato (1kg)

$4.66 $4.66

$1.41 €1.26

230.50%

Onion (1kg)

$3.88 $3.88

$1.52 €1.36

155.26%

Lettuce (1 head)

$2.58 $2.58

$1.30 €1.16

98.46%

Water (1.5 liter bottle)

$2.69 $2.69

$1.91 €1.71

40.84%

Cigarettes 20 Pack (Marlboro, Camel)

$9.10 $9.10

$18.35 €16.44

-50.41%

Wine (Bottle)

$16.81 $16.81

$13.73 €12.30

22.43%

Local Beer (0.5 liter bottle)

$1.81 $1.81

$3.15 €2.82

-42.54%

Imported Beer (0.33 liter bottle)

$4.63 $4.63

$3.10 €2.78

49.35%

One-way Ticket (Public Transport)

$2.94 $2.94

$2.26 €2.02

30.09%

Public Transport Monthly Pass (Regular Price)

$80.7 $80.7

$62.5 €56.0

29.11%

Taxi Start (Normal Tariff)

$3.31 $3.31

$5.15 €4.61

-35.73%

Taxi (Normal Tariff) (1km)

$0.66 $0.66

$1.48 €1.33

-55.41%

Taxi 1hour Waiting (Normal Tariff)

$61.2 $61.2

$55.7 €49.90

9.82%

Gasoline (1 liter)

$0.97 $0.97

$2.13 €1.91

-54.46%

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

$27.8K $27.8K

$39.1K €35.1K

-29.08%

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

$26.1K $26.1K

$37.9K €34.0K

-31.31%

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

$249 $249

$246 €220

1.49%

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

$55.4 $55.4

$20.71 €18.55

167.65%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$50.4 €45.14

50.10%

Gym Membership (Monthly)

$37.23 $37.23

$45.73 €40.96

-18.59%

Tennis Court (1 Hour on Weekend)

$25.09 $25.09

$14.23 €12.74

76.32%

Cinema Ticket

$16.03 $16.03

$13.20 €11.83

21.44%

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

$1,252 $1,252

$995 €891

25.82%

International Primary School, 1 Child (Yearly)

$25.4K $25.4K

Jeans (Levis 501 Or Similar)

$75.3 $75.3

$77.2 €69.2

-2.51%

Summer Dress (H&M, Zara, etc)

$54.4 $54.4

$47.56 €42.59

14.36%

Sport Shoes (Adidas, Nike)

$108 $108

$109 €97.6

-1.15%

Men's Leather Business Shoes

$140 $140

$116 €104

20.55%

1-bedroom Apartment, City Center (Monthly)

$1,973 $1,973

$1,678 €1,503

17.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,499 $1,499

$1,306 €1,169

14.81%

3-bedroom Apartment, City Center (Monthly)

$3,204 $3,204

$2,494 €2,233

28.51%

3-bedroom Apartment, Outside City Center (Monthly)

$2,708 $2,708

$2,001 €1,792

35.33%

Buy Apartment in City Center (m2)

$3,115 $3,115

$3,089 €2,766

0.85%

Buy Apartment Outside City Center (m2)

$2,528 $2,528

$2,552 €2,286

-0.94%

Average Monthly Net Salary (After Tax)

$3,695 $3,695

$3,188 €2,855

15.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

4.14

59.18%

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

Last update for Clearwater, FL: October 24, 2026

Last update for Waterford: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Clearwater, FL

$1.5K 50.5%

Waterford

$1.3K 49.8% 12.9% $193

Groceries & Markets

Clearwater, FL

$457 15.4%

Waterford

$352 13.4% 23.1% $105

Monthly Utilities & Internet

Clearwater, FL

$380 12.8%

Waterford

$317 12.1% 16.7% $64

Eating Out

Clearwater, FL

$291 9.8%

Waterford

$334 12.8% 14.8% $43

Clothing & Footwear

Clearwater, FL

$170 5.7%

Waterford

$158 6% 7.3% $12

Getting Around

Clearwater, FL

$99 3.3%

Waterford

$84 3.2% 15.1% $15

Sport & Entertainment

Clearwater, FL

$69 2.3%

Waterford

$72 2.8% 4.1% $2.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,973 in Clearwater, FL and $1,678 in Waterford. Housing cost is often the main lever when comparing two cities.

Clearwater, FL pays 16% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $68 in Clearwater, FL vs $92 in Waterford. Groceries flip the comparison at $457 vs $352, with Waterford cheaper for home cooking.

Good to know

🇺🇸 Clearwater, FL

🇮🇪 Waterford

🕒 Local time

14:57 2:57 PM

19:57 7:57 PM

5 h ahead of Clearwater, FL

🌤 Weather

👥 Population

107,742

40,300

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.896 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Clearwater, FL Waterford 6,640 km ≈ 9 h nonstop flight

From you

Clearwater, FL
Waterford

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 Waterford: Cost of Living - Frequently Asked Questions

Waterford is about 12% cheaper overall, especially in groceries, utilities, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 16% 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: $1,973 in Clearwater, FL versus $1,678 in Waterford. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,966 per month in Clearwater, FL versus $2,623 in Waterford – Waterford is about 12% cheaper, which adds up to real savings over time.

A monthly transit pass in Waterford runs roughly 23% less than in Clearwater, FL. The price difference matters if you commute daily and watch your budget.

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.

It comes down to priorities – Waterford wins on affordability, Clearwater, FL on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.