Clearwater, FL vs Ormond Beach, FL

Ormond Beach is moderately more affordable than Clearwater, with a 7.8% lower cost of living index. Clearwater scores 109 compared to 101 for Ormond Beach, where the US average is 100. This difference means residents of Clearwater can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Clearwater is $1,539/month compared to $1,332/month in Ormond Beach — a 16% difference. Home values follow the same pattern: Ormond Beach is more affordable at $320,300 median vs $326,100.

Median household income in Clearwater is $64,440 compared to $67,482 in Ormond Beach (-4.5%). Ormond Beach offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Clearwater spend roughly 28.7% of their income on rent, more than the 23.7% in Ormond Beach.