Clearwater vs St. Paul

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 $72,816 in St. Paul.

Conversely, $75,000 in St. Paul equals $77,250 in Clearwater.

Living in Clearwater vs St. Paul

Housing Costs

Clearwater's housing index of 115 is higher St. Paul's 98, translating to median home prices of $385,000 vs $260,000. The $125,000 difference in home prices means roughly $8,124 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $1,300/mo in St. Paul, a monthly difference of $325.

Grocery & Food Costs

Grocery expenses index at 102 in Clearwater and 103 in St. Paul. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $489/month in St. Paul. 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 97 in St. Paul. Monthly utility bills average approximately $404 in Clearwater vs $388 in St. Paul. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 92 in Clearwater and 105 in St. Paul. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 13-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 $57,718 in St. Paul. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $57,718 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 St. Paul. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In St. Paul, median rent of $1,300/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 17 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

As an Amazon Associate we earn from qualifying purchases