Clearwater vs Killeen
Cost of Living Comparison · 2026
Clearwater
Killeen
The Verdict
Living in Killeen costs 22.6% less than Clearwater. To match the purchasing power of a $75,000 salary in Clearwater, you would need $61,165 in Killeen.
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 $61,165 in Killeen.
Conversely, $75,000 in Killeen equals $91,964 in Clearwater.
Living in Clearwater vs Killeen
Housing Costs
Clearwater's housing index of 115 is higher Killeen's 56, translating to median home prices of $385,000 vs $235,000. The $150,000 difference in home prices means roughly $9,756 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $975/mo in Killeen, a monthly difference of $650.
Grocery & Food Costs
Grocery expenses index at 102 in Clearwater and 96 in Killeen. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $456/month in Killeen. Killeen offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 101 in Clearwater and 108 in Killeen. Monthly utility bills average approximately $404 in Clearwater vs $432 in Killeen. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Clearwater and 96 in Killeen. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $66,400 in Clearwater and $56,400 in Killeen. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $67,143 respectively. Killeen residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,549/month to housing in Clearwater vs $1,316/month in Killeen. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Killeen, median rent of $975/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 59 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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