Clearwater vs Overland Park

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 $77,184 in Overland Park.

Conversely, $75,000 in Overland Park equals $72,877 in Clearwater.

Living in Clearwater vs Overland Park

Housing Costs

Clearwater's housing index of 115 is higher Overland Park's 109, translating to median home prices of $385,000 vs $414,000. The $29,000 difference in home prices means roughly $1,884 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $1,450/mo in Overland Park, a monthly difference of $175.

Grocery & Food Costs

Grocery expenses index at 102 in Clearwater and 96 in Overland Park. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $456/month in Overland Park. Overland Park 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 98 in Overland Park. Monthly utility bills average approximately $404 in Clearwater vs $392 in Overland Park. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 92 in Clearwater and 102 in Overland Park. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-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 $104,800 in Overland Park. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $98,868 respectively. Overland Park 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 $2,445/month in Overland Park. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Overland Park, median rent of $1,450/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 10 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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