Clearwater vs Dayton
Cost of Living Comparison · 2026
Clearwater
Dayton
The Verdict
Dayton is 28.8% less expensive than Clearwater overall. A household earning $75,000 in Clearwater would need approximately $58,252 in Dayton to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Clearwater has the same purchasing power as $58,252 in Dayton.
Conversely, $75,000 in Dayton equals $96,563 in Clearwater.
Living in Clearwater vs Dayton
Housing Costs
Clearwater's housing index of 115 is higher Dayton's 46, translating to median home prices of $385,000 vs $135,000. The $250,000 difference in home prices means roughly $16,248 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $900/mo in Dayton, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 102 in Clearwater and 98 in Dayton. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $466/month in Dayton. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 101 in Clearwater and 109 in Dayton. Monthly utility bills average approximately $404 in Clearwater vs $436 in Dayton. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Clearwater and 114 in Dayton. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 22-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $66,400 in Clearwater and $43,500 in Dayton. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $54,375 respectively. Clearwater residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,549/month to housing in Clearwater vs $1,015/month in Dayton. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Dayton, median rent of $900/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 69 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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