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Clearwater city, FL

ZIP 33765 — 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 33765

Median Home Value
$290,700
Median Rent
$1,454
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,867/mo PITI).

28%
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.

16.7 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 33765 in Clearwater city, 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.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
54.0%-17% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.3%-49% vs US avg
x
Mortgage-Free
57.5%+50% vs US avg
x
$290,700
Home Value
$1,454
Rent
1977
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached40.9%
  • 1-unit attached5.5%
  • 2-9 units21.1%
  • 10+ units20.2%
  • Mobile home & other12.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$290,700
Median rent$1,454
Owner-occupied54.0%
Vacant10.9%
Price-to-income4.7x
Est. income to buy$80,000