ZIP Code 33765 — Clearwater city, FL Demographics & Data

ZIP code 33765 covers Clearwater, FL in Pinellas County with a population of about 14,364.

At a glance, the area shows median age of 47.2 versus a U.S. median of about 38.9.

It sits in telephone area code 727; U.S. House district FL-13; the TAMPA - ST. PETE (SARASOTA) media market.

Median household income in ZIP 33765 is about $61,910 — about 18% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.9%; unemployment rate near 7.2%; 28.8% of adults with a bachelor’s degree or higher (about 5.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 19.0% of workers reporting work-from-home (about 3.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $290,700 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,454 (about 25% above the U.S. median rent ($1,163)), and owner-occupancy near 54.0% (about 11.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33765 in Clearwater, FL, a household would need roughly $80,000 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 $1,867. That is about 29% above the local median household income ($61,910), 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.

FEMA’s National Risk Index rates natural-hazard risk for Clearwater city, FL as Relatively High (composite score 98.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.9) and flood (96.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Clearwater city, FL show little to no average snow and around 53.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 643 for ZIP 33765 (Clearwater city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.