Last update: Oct 2026

Cost of Living Comparison Between Waterford and Clearwater, FL

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.

127

Cost of Living Index in Waterford
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Waterford Living Index
143

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

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Waterford

🇮🇪 Ireland

$2,623

/mo nomad

Clearwater, FL

🇺🇸 United States

$2,966

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

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

Living in Waterford costs roughly 12% less than in Clearwater, FL, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$22.70 €20.33

$17.13 $17.13

32.52%

Three-Course Dinner for Two, Mid-Range

$92.3 €82.7

$68.5 $68.5

34.79%

Fast Food Meal (McDonalds, etc)

$12.42 €11.13

$11.70 $11.70

6.15%

Cappuccino

$3.96 €3.54

$4.94 $4.94

-19.84%

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

$2.88 €2.58

$2.27 $2.27

26.87%

Water (0.33 liter bottle)

$2.08 €1.86

$1.82 $1.82

14.29%

Local Beer (0.5 liter draught)

$7.15 €6.40

$5.48 $5.48

30.47%

Imported Beer (0.33 liter bottle)

$6.23 €5.58

$8.07 $8.07

-22.80%

Milk (1 liter)

$1.47 €1.32

$0.98 $0.98

50.00%

White Bread (500g)

$2.29 €2.05

$3.75 $3.75

-38.93%

Rice (white) (1kg)

$2.23 €2.00

$4.42 $4.42

-49.55%

Eggs

$4.30 €3.85

$4.03 $4.03

6.70%

Local Cheese (1kg)

$15.68 €14.05

$10.81 $10.81

45.05%

Chicken Fillets (1kg)

$11.06 €9.90

$14.43 $14.43

-23.35%

Beef Round Steak (1kg)

$13.25 €11.86

$19.67 $19.67

-32.64%

Apples (1kg)

$3.03 €2.72

$6.50 $6.50

-53.38%

Banana (1kg)

$2.25 €2.02

$1.47 $1.47

53.06%

Oranges (1kg)

$3.10 €2.78

$6.07 $6.07

-48.93%

Tomato (1kg)

$4.03 €3.61

$6.16 $6.16

-34.58%

Potato (1kg)

$1.41 €1.26

$4.66 $4.66

-69.74%

Onion (1kg)

$1.52 €1.36

$3.88 $3.88

-60.82%

Lettuce (1 head)

$1.30 €1.16

$2.58 $2.58

-49.61%

Water (1.5 liter bottle)

$1.91 €1.71

$2.69 $2.69

-29.00%

Cigarettes 20 Pack (Marlboro, Camel)

$18.35 €16.44

$9.10 $9.10

101.65%

Wine (Bottle)

$13.73 €12.30

$16.81 $16.81

-18.32%

Local Beer (0.5 liter bottle)

$3.15 €2.82

$1.81 $1.81

74.03%

Imported Beer (0.33 liter bottle)

$3.10 €2.78

$4.63 $4.63

-33.05%

One-way Ticket (Public Transport)

$2.26 €2.02

$2.94 $2.94

-23.13%

Public Transport Monthly Pass (Regular Price)

$62.5 €56.0

$80.7 $80.7

-22.55%

Taxi Start (Normal Tariff)

$5.15 €4.61

$3.31 $3.31

55.59%

Taxi (Normal Tariff) (1km)

$1.48 €1.33

$0.66 $0.66

124.24%

Taxi 1hour Waiting (Normal Tariff)

$55.7 €49.90

$61.2 $61.2

-8.94%

Gasoline (1 liter)

$2.13 €1.91

$0.97 $0.97

119.59%

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

$39.1K €35.1K

$27.8K $27.8K

41.01%

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

$37.9K €34.0K

$26.1K $26.1K

45.59%

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

$246 €220

$249 $249

-1.46%

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

$20.71 €18.55

$55.4 $55.4

-62.64%

Internet (50+ Mbps, Unlimited Data)

$50.4 €45.14

$75.7 $75.7

-33.38%

Gym Membership (Monthly)

$45.73 €40.96

$37.23 $37.23

22.83%

Tennis Court (1 Hour on Weekend)

$14.23 €12.74

$25.09 $25.09

-43.28%

Cinema Ticket

$13.20 €11.83

$16.03 $16.03

-17.65%

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

$995 €891

$1,252 $1,252

-20.52%

International Primary School, 1 Child (Yearly)

$25.4K $25.4K

Jeans (Levis 501 Or Similar)

$77.2 €69.2

$75.3 $75.3

2.58%

Summer Dress (H&M, Zara, etc)

$47.56 €42.59

$54.4 $54.4

-12.56%

Sport Shoes (Adidas, Nike)

$109 €97.6

$108 $108

1.16%

Men's Leather Business Shoes

$116 €104

$140 $140

-17.05%

1-bedroom Apartment, City Center (Monthly)

$1,678 €1,503

$1,973 $1,973

-14.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,306 €1,169

$1,499 $1,499

-12.90%

3-bedroom Apartment, City Center (Monthly)

$2,494 €2,233

$3,204 $3,204

-22.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,001 €1,792

$2,708 $2,708

-26.11%

Buy Apartment in City Center (m2)

$3,089 €2,766

$3,115 $3,115

-0.85%

Buy Apartment Outside City Center (m2)

$2,552 €2,286

$2,528 $2,528

0.95%

Average Monthly Net Salary (After Tax)

$3,188 €2,855

$3,695 $3,695

-13.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.14

6.59

-37.18%

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

Last update for Waterford: October 25, 2026

Last update for Clearwater, FL: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Waterford

$1.3K 49.8%

Clearwater, FL

$1.5K 50.5% 14.8% $193

Groceries & Markets

Waterford

$352 13.4%

Clearwater, FL

$457 15.4% 30% $105

Eating Out

Waterford

$334 12.8%

Clearwater, FL

$291 9.8% 12.9% $43

Monthly Utilities & Internet

Waterford

$317 12.1%

Clearwater, FL

$380 12.8% 20.1% $64

Clothing & Footwear

Waterford

$158 6%

Clearwater, FL

$170 5.7% 7.9% $12

Getting Around

Waterford

$84 3.2%

Clearwater, FL

$99 3.3% 17.8% $15

Sport & Entertainment

Waterford

$72 2.8%

Clearwater, FL

$69 2.3% 4% $2.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,678 in Waterford and $1,973 in Clearwater, FL. 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: $92 in Waterford vs $68 in Clearwater, FL. Groceries flip the comparison at $352 vs $457, with Waterford cheaper for home cooking.

Good to know

🇮🇪 Waterford

🇺🇸 Clearwater, FL

🕒 Local time

22:18 10:18 PM

17:18 5:18 PM

5 h behind Waterford

🌤 Weather

👥 Population

40,300

107,742

💱 Currency

Euro EUR €

United States Dollar USD $

📈 Exchange rate

1 EUR = 1.12 USD

1 USD = 0.896 EUR

Exchange rates and currency converter

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Between locations

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

From you

Waterford
Clearwater, FL

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

Waterford vs Clearwater, FL: 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.

On paper, salaries run 14% lower in Waterford. 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: $1,678 in Waterford versus $1,973 in Clearwater, FL. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,623 per month in Waterford versus $2,966 in Clearwater, FL – 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.