Clearwater vs Tempe
Cost of Living Comparison · 2026
Clearwater
Tempe
The Verdict
Clearwater is 2.8% less expensive than Tempe overall. A household earning $75,000 in Clearwater would need approximately $77,184 in Tempe 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 $77,184 in Tempe.
Conversely, $75,000 in Tempe equals $72,877 in Clearwater.
Living in Clearwater vs Tempe
Housing Costs
Clearwater's housing index of 115 is higher Tempe's 114, translating to median home prices of $385,000 vs $400,000. The $15,000 difference in home prices means roughly $972 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,625/mo in Clearwater compared to $1,600/mo in Tempe, a monthly difference of $25.
Grocery & Food Costs
Grocery expenses index at 102 in Clearwater and 100 in Tempe. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater vs $475/month in Tempe. 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 96 in Tempe. Monthly utility bills average approximately $404 in Clearwater vs $384 in Tempe. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Clearwater and 95 in Tempe. 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 $56,068 in Tempe. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $52,894 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 $1,308/month in Tempe. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Tempe, median rent of $1,600/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Utilities, where the gap is 5 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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