Clearwater vs Durham
Cost of Living Comparison · 2026
Clearwater
Durham
The Verdict
Durham is 2.0% less expensive than Clearwater overall. A household earning $75,000 in Clearwater would need approximately $73,544 in Durham 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 $73,544 in Durham.
Conversely, $75,000 in Durham equals $76,485 in Clearwater.
Living in Clearwater vs Durham
Housing Costs
Clearwater's housing index of 115 is higher Durham's 104, translating to median home prices of $385,000 vs $340,000. The $45,000 difference in home prices means roughly $2,928 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $1,400/mo in Durham, a monthly difference of $225.
Grocery & Food Costs
Grocery expenses index at 102 in Clearwater and 100 in Durham. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $475/month in Durham. 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 93 in Durham. Monthly utility bills average approximately $404 in Clearwater vs $372 in Durham. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Clearwater and 108 in Durham. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 16-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 $57,738 in Durham. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $57,166 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 $1,347/month in Durham. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Durham, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Healthcare, where the gap is 16 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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