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Clearwater city, FL

ZIP 33764 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33764

Median Home Value
$302,500
Median Rent
$1,436
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,943/mo PITI).

27%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33764 in Clearwater city, FL, a household would need roughly $83,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,943. That is about 29% above the local median household income ($64,573), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
88.3%+2% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
27.1%-45% vs US avg
x
Mortgage-Free
54.6%+43% vs US avg
x
$302,500
Home Value
$1,436
Rent
1974
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached36.7%
  • 1-unit attached2.9%
  • 2-9 units7.1%
  • 10+ units28.8%
  • Mobile home & other24.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$302,500
Median rent$1,436
Owner-occupied67.3%
Vacant16.9%
Price-to-income4.7x
Est. income to buy$83,000