Clearwater vs Surprise
Cost of Living Comparison · 2026
Clearwater
Surprise
The Verdict
Clearwater is 0.0% less expensive than Surprise overall. A household earning $75,000 in Clearwater would need approximately $75,000 in Surprise 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 $75,000 in Surprise.
Conversely, $75,000 in Surprise equals $75,000 in Clearwater.
Living in Clearwater vs Surprise
Housing Costs
Clearwater's housing index of 115 is higher Surprise's 105, translating to median home prices of $385,000 vs $419,000. The $34,000 difference in home prices means roughly $2,208 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $1,575/mo in Surprise, a monthly difference of $50.
Grocery & Food Costs
Grocery expenses index at 102 in Clearwater and 100 in Surprise. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $475/month in Surprise. 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 102 in Surprise. Monthly utility bills average approximately $404 in Clearwater vs $408 in Surprise. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Clearwater and 97 in Surprise. 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 $85,500 in Surprise. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $83,010 respectively. Surprise 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 $1,995/month in Surprise. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Surprise, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 10 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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