Clearwater home prices and market speed
The typical Clearwater home is worth about $342,800, down 0.6% on a year ago. Across the Tampa metro, for-sale inventory is 8.3% lower than a year earlier. Prices are flat to slightly down and most homes sell below list price, so buyers have room to negotiate. Sellers do best pricing from recent closed sales rather than from older list prices.
| ZIP code | Typical home value | 12-month change |
|---|---|---|
| 33767 | $698,500 | −2.2% |
| 33764 | $369,500 | +0.7% |
| 33756 | $359,100 | +1.0% |
| 33765 | $351,600 | +0.0% |
| 33759 | $346,000 | +0.2% |
| 33755 | $339,200 | −0.3% |
| 33761 | $314,100 | −3.0% |
| 33762 | $306,000 | −4.4% |
| 33763 | $195,600 | −6.5% |
Sources: Zillow Home Value Index (typical home value, all homes, August 2026); Zillow metro market data (days to pending, inventory and price cuts, August 2026; sale-to-list ratio, July 2026). Metro figures cover the wider region, not the city alone.
What a Clearwater agent helps you decide
Clearwater is two markets that share a name. The barrier islands, Clearwater Beach and Sand Key, price like a resort: Zillow's typical value in ZIP 33767 was $698,520 in August 2026. On the mainland, most ZIP codes sit between about $300,000 and $370,000. An agent who works both sides can tell you what a given budget buys in each and what it costs to own there.
The questions that matter most here are practical. Did the home flood in 2024? What is its elevation relative to the flood map? Is the roof young enough to insure? Is the condo association funded for its required inspections and reserves? A local agent will know where to pull those answers before you are under contract, not after.
Pricing is the other job. With the metro sale-to-list ratio at 97.0% in July 2026 and about 31.2% of listings taking a price cut, the gap between an asking price and a closing price is real. Your agent's comparable sales, not the list price, should anchor your offer or your listing.
Buying a home in Clearwater: what to check
Price the whole monthly cost first
Principal and interest are only part of it. At 2025 rates, Clearwater's city millage is 19.3522, so each $100,000 of taxable value costs about $1,935 a year before exemptions. Add homeowners insurance, flood insurance where needed and any condo or HOA dues. Our Pinellas County property tax guide walks through a full bill.
Ask for the storm history in writing
Helene's surge in September 2024 reached 6.75 feet above the high-tide line at a USGS sensor on Clearwater Beach, and the Clearwater Beach tide gauge set a record for its data back to 1973. Ask the seller whether water entered the home, what was repaired and under which permits. Florida's seller disclosure rules set out what they must tell you.
Check the elevation certificate
Pinellas County keeps elevation certificates on file for many properties through its flood map service center. Compare the home's lowest floor to the base flood elevation; that relationship drives flood premiums and rebuilding rules. Our Florida flood zones guide explains the zones.
Get insurance quotes during the inspection period
Order a four-point and wind mitigation inspection early so insurers can quote against real data. A newer roof and documented wind features can move the premium a long way, as our wind mitigation guide shows.
Read the condo documents closely
Many beach and mainland listings are condos. Ask for the milestone inspection and structural reserve study status and any special assessments voted or proposed; see our milestone inspection guide.
Use the slower pace to negotiate
Metro inventory was 22,040 listings in August 2026, down from 24,036 a month earlier, but still enough choice that repair credits and closing cost help are normal requests.
Selling a home in Clearwater
Price against recent sales, not last year's peak
Zillow's typical Clearwater value peaked near $374,755 in August 2024 and was $342,820 two years later. Buyers and their agents know this, so a price anchored to 2022 to 2024 sales tends to sit. Your agent's comparable sales from the last few months are the right starting point; the Clearwater housing market page has the full trend.
Plan for about ten weeks to a contract
Across the metro, listings took about 70 days on average to go pending in August 2026. Budget your carrying costs, and your next purchase, around that pace.
Put the storm file together before you list
Gather repair invoices, permits, insurance claim records and any elevation certificate. Buyers will ask, and a complete file shortens the inspection negotiation.
Estimate your net
Deduct commission, the seller's usual Florida closing costs and any credits you expect to give. Our Florida closing costs guide lists who pays what.
Clearwater address or City of Clearwater? Why it matters
Plenty of homes with a Clearwater mailing address sit in unincorporated Pinellas County. The difference shows up in three places.
Property tax
For 2025, City of Clearwater parcels pay 19.3522 mills in total. Unincorporated parcels in the Clearwater fire district pay 17.4229. Inside the Downtown Development Board area, the total rises to 20.3222. On $300,000 of taxable value, the gap between the county district and the city is about $579 a year.
Rebuilding and flood rules
Pinellas County applies its own substantial damage rule in unincorporated areas and tells city residents to contact their city for its plan. The rules that apply after a storm depend on which government issues your permit.
How to check
The district code on the TRIM notice or tax bill settles it. Ask your agent to confirm it for any address you are serious about.
Clearwater areas at a glance
Values below are Zillow's typical home values for August 2026, by Zillow neighborhood or ZIP code.
Clearwater Beach (33767)
The barrier island west of downtown, across the Memorial Causeway. Zillow's Clearwater Beach neighborhood value was $723,352, down 2.0% in a year. Expect condos, older cottages and rebuilt homes, and check every property's flood history.
Sand Key and Island Estate
Sand Key, south of Clearwater Pass, was $780,248 (down 2.2%). Island Estate, the residential islands along the causeway, was $478,763 (down 3.2%).
Downtown and the bluff
Zillow's Downtown neighborhood was $455,678, up 4.2%, and Edgewater Drive, north along the water, $559,768.
Central and south Clearwater (33755, 33756, 33764)
ZIP values were $339,237, $359,117 and $369,457. Neighborhoods such as Skycrest ($331,768) and Morningside Meadows ($470,186) sit here.
Countryside and the northeast (33761, 33763, 33759)
ZIP 33761 was $314,092 (down 3.0%) and 33763 was $195,640 (down 6.5%, the weakest ZIP). Higher-priced pockets include Coachman Ridge ($732,629) and Del Oro Groves ($631,169).
For a fuller picture of daily life, see is Clearwater a good place to live, and for new homes, new construction in Clearwater.
Local property checks before you commit
Flood zone and flood insurance
Look up the address on FEMA's Flood Map Service Center and Pinellas County's flood map site. A lender will require flood insurance in a high-risk zone, and NFIP policies have a 30-day waiting period, so start early.
Homeowners insurance
Get a real quote before you waive inspection contingencies. Our Florida homeowners insurance guide covers what drives the price.
HOA and condo charges
Ask for the budget, reserves, any special assessments and the rules on rentals and pets.
Schools
Confirm school assignment for the exact address with Pinellas County Schools; state grades are published by the Florida Department of Education.
How to choose a Clearwater real estate agent
Questions to ask before you sign
- How many Clearwater sales have you handled in the last year, and how many on the beach versus the mainland?
- Which lenders, inspectors and insurance agents do you use for coastal homes?
- How do you check flood history and elevation before an offer?
- For sellers: what is your pricing plan if there are no offers in the first 30 days?
Buyer agreements and commission
Since August 2024, buyers sign a written agreement with their agent before touring homes. It states how much the agent will be paid and who pays. Commission is negotiable; a seller may offer to cover some or all of it, but nothing is fixed.
Verify the license
Look up any agent on Florida's DBPR license search before you sign anything. We never name a "best" agent; we introduce you to one who fits your search.
Clearwater market questions answered
Are home prices dropping in Clearwater?
Slightly. Zillow's typical value fell 0.6% in the year to August 2026, and is about 8.5% below the August 2024 level of $374,755. Over five years it is still up 14.0%.
Is Clearwater cheaper than St. Petersburg?
A little. Zillow's typical value was $342,820 in Clearwater and $354,074 in St. Petersburg in August 2026. See the St. Petersburg hub to compare.
Common questions
Are home prices dropping in Clearwater, Florida?+
Modestly. Zillow's typical Clearwater home value was $342,820 in August 2026, down 0.6% from a year earlier and below the 2024 peak of $374,755. It is still 14.0% higher than five years earlier. Beach ZIP 33767 fell 2.2% and 33763 fell 6.5%, while some mainland ZIPs edged up.
How long does it take to sell a house in Clearwater?+
Across the Tampa-St. Petersburg-Clearwater metro, homes took about 70 days on average to go under contract in August 2026, per Zillow, then closing typically adds several more weeks. Condos and beach listings can move at a different pace, so ask your agent for recent sales in your building or street.
What is the property tax rate in Clearwater?+
For 2025 the City of Clearwater total is 19.3522 mills, about $1,935 for every $100,000 of taxable value. Parcels in the Downtown Development Board area pay 20.3222, and unincorporated parcels in the Clearwater fire district pay 17.4229. Homestead exemptions reduce the taxable value.
Is my Clearwater address inside city limits?+
Not necessarily. Many homes with a Clearwater mailing address are in unincorporated Pinellas County. The district code on the property's TRIM notice or tax bill tells you: CW is the city, CTF is the unincorporated Clearwater fire district. It affects your tax rate and which government handles permits.
How much do Clearwater homes sell for below asking?+
Zillow put the metro sale-to-list ratio at 97.0% in July 2026, meaning the typical home sold for about 3% under its final list price. About 31.2% of listings had a price cut. Local results vary by area and condition.
Does a Clearwater buyer have to pay the agent's commission?+
Buyers now sign a written agreement stating the agent's pay before touring. Who pays is negotiable: sellers often agree to cover some or all of it in the contract, but they are not required to. Ask any agent to explain their fee and how it is handled at closing.
Is Bright Florida Homes a real estate brokerage?+
No. Bright Florida Homes is an information and enquiry service. We publish guides on Florida markets and, if you ask, introduce you to a licensed local agent. We do not list or sell homes ourselves.
Sources
- Zillow Research: Home Value Index and market data (August 2026)
- Pinellas County Tax Collector: 2025 millage rates (PDF)
- National Hurricane Center: Tropical Cyclone Report, Hurricane Helene
- Pinellas County: Substantial damage and substantial improvement
- Pinellas County Flood Map Service Center: elevation certificates
- FEMA Flood Map Service Center
- Florida Department of Education: school grades
- Florida DBPR: license search