Clearwater FL vs Murfreesboro TN — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Clearwater, FL
Florida · Population: 117,075
- Median HH Income$64,440
- Median Home Price$341,503
- Unemployment4.7%
- Bachelor's+32.5%
Murfreesboro, TN
Tennessee · Population: 40,828
- Median HH Income$107,847
- Median Home Price$427,410
- Unemployment3.5%
- Bachelor's+49.5%
Detailed Comparison
Demographics
Population
Clearwater
117,075
Clearwater +
Murfreesboro
40,828
Pop. Density / sq mi
Lower = more space
Clearwater
N/A
Murfreesboro
N/A
Median Age
Clearwater
46.4
Murfreesboro
39.1
Murfreesboro +
Foreign Born
Clearwater
17.0%
Clearwater +
Murfreesboro
9.8%
White
Clearwater
70.3%
Murfreesboro
78.3%
Murfreesboro +
Black
Clearwater
10.2%
Clearwater +
Murfreesboro
7.7%
Asian
Clearwater
3.6%
Murfreesboro
4.8%
Murfreesboro +
Hispanic
Clearwater
17.1%
Clearwater +
Murfreesboro
7.4%
Spanish at Home
Clearwater
N/A
Murfreesboro
N/A
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Population | 117,075 | 40,828 | Clearwater + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 46.4 | 39.1 | Murfreesboro + |
| Foreign Born | 17.0% | 9.8% | Clearwater + |
| White | 70.3% | 78.3% | Murfreesboro + |
| Black | 10.2% | 7.7% | Clearwater + |
| Asian | 3.6% | 4.8% | Murfreesboro + |
| Hispanic | 17.1% | 7.4% | Clearwater + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Clearwater
$64,440
Murfreesboro
$107,847
Murfreesboro +
Per Capita Income
Clearwater
$42,934
Murfreesboro
$54,633
Murfreesboro +
Per Capita Personal Income (MSA)
BEA MSA-level
Clearwater
$65,328
Clearwater +
Murfreesboro
$59,097
Unemployment Rate
Clearwater
4.7%
Murfreesboro
3.5%
Murfreesboro +
Poverty Rate
Clearwater
15.4%
Murfreesboro
4.1%
Murfreesboro +
Bachelor's Degree+
Clearwater
32.5%
Murfreesboro
49.5%
Murfreesboro +
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Median HH Income | $64,440 | $107,847 | Murfreesboro + |
| Per Capita Income | $42,934 | $54,633 | Murfreesboro + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $59,097 | Clearwater + |
| Unemployment Rate | 4.7% | 3.5% | Murfreesboro + |
| Poverty Rate | 15.4% | 4.1% | Murfreesboro + |
| Bachelor's Degree+ | 32.5% | 49.5% | Murfreesboro + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Clearwater
$341,503
Clearwater +
Murfreesboro
$427,410
Homeownership Rate
Clearwater
59.1%
Murfreesboro
74.9%
Murfreesboro +
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $341,503 | $427,410 | Clearwater + |
| Homeownership Rate | 59.1% | 74.9% | Murfreesboro + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Clearwater
324
Clearwater +
Murfreesboro
639
Property Crime / 100K
FBI CDE (state-level est.)
Clearwater
1453
Clearwater +
Murfreesboro
2350
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 639 | Clearwater + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 2350 | Clearwater + |
Health
Obesity Rate
CDC PLACES
Clearwater
33.3%
Clearwater +
Murfreesboro
37.3%
Diabetes Rate
CDC PLACES
Clearwater
13.5%
Murfreesboro
9.9%
Murfreesboro +
Poor Mental Health
CDC PLACES — 14+ days/month
Clearwater
16.8%
Clearwater +
Murfreesboro
20.4%
No Health Insurance
CDC PLACES
Clearwater
14.7%
Murfreesboro
11.0%
Murfreesboro +
Binge Drinking
CDC PLACES
Clearwater
15.6%
Clearwater +
Murfreesboro
16.5%
Current Smokers
CDC PLACES
Clearwater
14.0%
Murfreesboro
14.0%
Tie
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.3% | 37.3% | Clearwater + |
| Diabetes RateCDC PLACES | 13.5% | 9.9% | Murfreesboro + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.8% | 20.4% | Clearwater + |
| No Health InsuranceCDC PLACES | 14.7% | 11.0% | Murfreesboro + |
| Binge DrinkingCDC PLACES | 15.6% | 16.5% | Clearwater + |
| Current SmokersCDC PLACES | 14.0% | 14.0% | Tie |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Clearwater
73.8°F
Murfreesboro
58.3°F
Murfreesboro +
Annual Precipitation
NOAA 1991–2020 normal
Clearwater
54.7 in
Murfreesboro
53.4 in
Murfreesboro +
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 73.8°F | 58.3°F | Murfreesboro + |
| Annual PrecipitationNOAA 1991–2020 normal | 54.7 in | 53.4 in | Murfreesboro + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Clearwater
7.2 µg/m³
Clearwater +
Murfreesboro
8.9 µg/m³
Good Air Days
AQI ≤ 50
Clearwater
75.0%
Murfreesboro
75.0%
Tie
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 8.9 µg/m³ | Clearwater + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Clearwater
25.3 min
Clearwater +
Murfreesboro
33.8 min
| Metric | Clearwater, FL | Murfreesboro, TN | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 25.3 min | 33.8 min | Clearwater + |
Which City is Right for You?
Murfreesboro leads in median household income at $107,847, 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 639 in Murfreesboro. Murfreesboro has a lower unemployment rate at 3.5%, and Clearwater has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Clearwater scores better with a lower obesity rate of 33.3%.
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