Cambridge MA vs Clearwater FL — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Cambridge, MA
Massachusetts · Population: 117,794
- Median HH Income$126,469
- Median Home Price$1,041,988
- Unemployment3.4%
- Bachelor's+80.2%
Clearwater, FL
Florida · Population: 117,075
- Median HH Income$64,440
- Median Home Price$341,503
- Unemployment4.7%
- Bachelor's+32.5%
Detailed Comparison
Demographics
Population
Cambridge
117,794
Cambridge +
Clearwater
117,075
Pop. Density / sq mi
Lower = more space
Cambridge
N/A
Clearwater
N/A
Median Age
Cambridge
30.5
Cambridge +
Clearwater
46.4
Foreign Born
Cambridge
28.8%
Cambridge +
Clearwater
17.0%
White
Cambridge
57.5%
Clearwater
70.3%
Clearwater +
Black
Cambridge
10.5%
Cambridge +
Clearwater
10.2%
Asian
Cambridge
19.7%
Cambridge +
Clearwater
3.6%
Hispanic
Cambridge
8.9%
Clearwater
17.1%
Clearwater +
Spanish at Home
Cambridge
N/A
Clearwater
N/A
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Population | 117,794 | 117,075 | Cambridge + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 30.5 | 46.4 | Cambridge + |
| Foreign Born | 28.8% | 17.0% | Cambridge + |
| White | 57.5% | 70.3% | Clearwater + |
| Black | 10.5% | 10.2% | Cambridge + |
| Asian | 19.7% | 3.6% | Cambridge + |
| Hispanic | 8.9% | 17.1% | Clearwater + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Cambridge
$126,469
Cambridge +
Clearwater
$64,440
Per Capita Income
Cambridge
$76,789
Cambridge +
Clearwater
$42,934
Per Capita Personal Income (MSA)
BEA MSA-level
Cambridge
$85,405
Cambridge +
Clearwater
$65,328
Unemployment Rate
Cambridge
3.4%
Cambridge +
Clearwater
4.7%
Poverty Rate
Cambridge
12.4%
Cambridge +
Clearwater
15.4%
Bachelor's Degree+
Cambridge
80.2%
Cambridge +
Clearwater
32.5%
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Median HH Income | $126,469 | $64,440 | Cambridge + |
| Per Capita Income | $76,789 | $42,934 | Cambridge + |
| Per Capita Personal Income (MSA)BEA MSA-level | $85,405 | $65,328 | Cambridge + |
| Unemployment Rate | 3.4% | 4.7% | Cambridge + |
| Poverty Rate | 12.4% | 15.4% | Cambridge + |
| Bachelor's Degree+ | 80.2% | 32.5% | Cambridge + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Cambridge
$1,041,988
Clearwater
$341,503
Clearwater +
Homeownership Rate
Cambridge
33.7%
Clearwater
59.1%
Clearwater +
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $1,041,988 | $341,503 | Clearwater + |
| Homeownership Rate | 33.7% | 59.1% | Clearwater + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Cambridge
326
Clearwater
324
Clearwater +
Property Crime / 100K
FBI CDE (state-level est.)
Cambridge
1086
Cambridge +
Clearwater
1453
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 326 | 324 | Clearwater + |
| Property Crime / 100KFBI CDE (state-level est.) | 1086 | 1453 | Cambridge + |
Health
Obesity Rate
CDC PLACES
Cambridge
21.9%
Cambridge +
Clearwater
33.3%
Diabetes Rate
CDC PLACES
Cambridge
5.9%
Cambridge +
Clearwater
13.5%
Poor Mental Health
CDC PLACES — 14+ days/month
Cambridge
16.0%
Cambridge +
Clearwater
16.8%
No Health Insurance
CDC PLACES
Cambridge
3.8%
Cambridge +
Clearwater
14.7%
Binge Drinking
CDC PLACES
Cambridge
18.5%
Clearwater
15.6%
Clearwater +
Current Smokers
CDC PLACES
Cambridge
7.1%
Cambridge +
Clearwater
14.0%
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 21.9% | 33.3% | Cambridge + |
| Diabetes RateCDC PLACES | 5.9% | 13.5% | Cambridge + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 16.8% | Cambridge + |
| No Health InsuranceCDC PLACES | 3.8% | 14.7% | Cambridge + |
| Binge DrinkingCDC PLACES | 18.5% | 15.6% | Clearwater + |
| Current SmokersCDC PLACES | 7.1% | 14.0% | Cambridge + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Cambridge
N/A
Clearwater
73.8°F
Annual Precipitation
NOAA 1991–2020 normal
Cambridge
N/A
Clearwater
54.7 in
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 73.8°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 54.7 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Cambridge
7.2 µg/m³
Clearwater
7.2 µg/m³
Tie
Good Air Days
AQI ≤ 50
Cambridge
75.0%
Clearwater
75.0%
Tie
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 7.2 µg/m³ | Tie |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Cambridge
28.3 min
Clearwater
25.3 min
Clearwater +
| Metric | Cambridge, MA | Clearwater, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 28.3 min | 25.3 min | Clearwater + |
Which City is Right for You?
Cambridge leads in median household income at $126,469, while clearwater offers more affordable housing with a median home price of $341,503. On public safety, Clearwater is safer with a violent crime rate of 324 per 100,000 residents, compared to 326 in Cambridge. Cambridge has a lower unemployment rate at 3.4%, and Clearwater has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Cambridge scores better with a lower obesity rate of 21.9%.
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