2026 Compare Cities Cost of Living:
Clearwater, FL vs Fernandina Beach, FL

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Highlights
Is it cheaper to live in Fernandina Beach or is it cheaper to live in Clearwater?
- Fernandina Beach is 7.3% more expensive than Clearwater.

Which city has more affordable housing, Fernandina Beach or Clearwater?
- Fernandina Beach housing costs are 63.5% more expensive than Clearwater housing costs.

Is Health Care more affordable in Clearwater or is Health Care more affordable in Fernandina Beach.
- Health related expenses are 5.7% more in Fernandina Beach.
 Clearwater, FLFernandina Beach, FLUnited States
 Overall  Unlock110.3100
 Food & Groceries105.1  Unlock100
 Health  Unlock109.6100
 Housing92.1  Unlock100
 Median Home Cost  Unlock$556,300$338,100
 Utilities105  Unlock100
 Transportation  Unlock98.4100
 Miscellaneous107.2  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Clearwater    23 Reviews

Over 5 years ago

Lived here all my life and it is still an amazing place to call home. Rural is long gone, but there are plentiful places to get away from the glitz and glamour that  More

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Just moved here 2 months ago. My utility bill was $160. Water usage was only $31 but the charge for sewer based on the water usage was $42. I was also charged $17.85  More

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I've resided in Clearwater for 30 odd years (no pun intended). It does have it's good and bad. We are an attractive city wrapped around an amazing piece of waterfront.  More

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Reviews for Fernandina Beach    8 Reviews

We traveled the entire east and west coasts of Florida and the entire east coast of Georgia. We LOVED St. Marys GA. but decided on Amelia Island... Mainly because AI has  More

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Over 6 years ago

There is no place in Florida like Amelia Island, Fernandina Beach. The beach is beautiful.. But, best of all are the people. Real Southern hospitality... Southern charm  More

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Over 12 years ago

Came back to Fernandina after a long hiatus. Fernandina has always been a magical place, but many things are getting better. The restaurant scene has improved  More

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