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

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Highlights
Is it cheaper to live in Clearwater or is it cheaper to live in Fernandina Beach?
- Clearwater is 6.8% less expensive than Fernandina Beach.

Which city has more affordable housing, Clearwater or Fernandina Beach?
- Clearwater housing costs are 38.8% less expensive than Fernandina Beach housing costs.

Is Health Care more affordable in Fernandina Beach or is Health Care more affordable in Clearwater.
- Health related expenses are 5.4% less in Clearwater.
 Fernandina Beach, FLClearwater, FLUnited States
 Overall  Unlock102.8100
 Food & Groceries105.7  Unlock100
 Health  Unlock103.7100
 Housing150.6  Unlock100
 Median Home Cost  Unlock$338,400$338,100
 Utilities105  Unlock100
 Transportation  Unlock98.8100
 Miscellaneous102.9  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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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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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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