Clearwater FL vs Norman OK — 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%
Norman, OK
Oklahoma · Population: 128,714
- Median HH Income$65,060
- Median Home Price$264,711
- Unemployment5.7%
- Bachelor's+46.2%
Detailed Comparison
Demographics
Population
Clearwater
117,075
Norman
128,714
Norman +
Pop. Density / sq mi
Lower = more space
Clearwater
N/A
Norman
N/A
Median Age
Clearwater
46.4
Norman
31.6
Norman +
Foreign Born
Clearwater
17.0%
Clearwater +
Norman
7.2%
White
Clearwater
70.3%
Norman
73.0%
Norman +
Black
Clearwater
10.2%
Clearwater +
Norman
5.1%
Asian
Clearwater
3.6%
Norman
4.2%
Norman +
Hispanic
Clearwater
17.1%
Clearwater +
Norman
9.0%
Spanish at Home
Clearwater
N/A
Norman
N/A
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Population | 117,075 | 128,714 | Norman + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 46.4 | 31.6 | Norman + |
| Foreign Born | 17.0% | 7.2% | Clearwater + |
| White | 70.3% | 73.0% | Norman + |
| Black | 10.2% | 5.1% | Clearwater + |
| Asian | 3.6% | 4.2% | Norman + |
| Hispanic | 17.1% | 9.0% | Clearwater + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Clearwater
$64,440
Norman
$65,060
Norman +
Per Capita Income
Clearwater
$42,934
Clearwater +
Norman
$37,897
Per Capita Personal Income (MSA)
BEA MSA-level
Clearwater
$65,328
Clearwater +
Norman
$57,929
Unemployment Rate
Clearwater
4.7%
Clearwater +
Norman
5.7%
Poverty Rate
Clearwater
15.4%
Clearwater +
Norman
17.0%
Bachelor's Degree+
Clearwater
32.5%
Norman
46.2%
Norman +
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Median HH Income | $64,440 | $65,060 | Norman + |
| Per Capita Income | $42,934 | $37,897 | Clearwater + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $57,929 | Clearwater + |
| Unemployment Rate | 4.7% | 5.7% | Clearwater + |
| Poverty Rate | 15.4% | 17.0% | Clearwater + |
| Bachelor's Degree+ | 32.5% | 46.2% | Norman + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Clearwater
$341,503
Norman
$264,711
Norman +
Homeownership Rate
Clearwater
59.1%
Clearwater +
Norman
52.7%
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $341,503 | $264,711 | Norman + |
| Homeownership Rate | 59.1% | 52.7% | Clearwater + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Clearwater
324
Clearwater +
Norman
429
Property Crime / 100K
FBI CDE (state-level est.)
Clearwater
1453
Clearwater +
Norman
2375
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 429 | Clearwater + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 2375 | Clearwater + |
Health
Obesity Rate
CDC PLACES
Clearwater
33.3%
Clearwater +
Norman
35.8%
Diabetes Rate
CDC PLACES
Clearwater
13.5%
Norman
9.8%
Norman +
Poor Mental Health
CDC PLACES — 14+ days/month
Clearwater
16.8%
Clearwater +
Norman
18.8%
No Health Insurance
CDC PLACES
Clearwater
14.7%
Norman
9.2%
Norman +
Binge Drinking
CDC PLACES
Clearwater
15.6%
Norman
14.0%
Norman +
Current Smokers
CDC PLACES
Clearwater
14.0%
Norman
12.8%
Norman +
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.3% | 35.8% | Clearwater + |
| Diabetes RateCDC PLACES | 13.5% | 9.8% | Norman + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.8% | 18.8% | Clearwater + |
| No Health InsuranceCDC PLACES | 14.7% | 9.2% | Norman + |
| Binge DrinkingCDC PLACES | 15.6% | 14.0% | Norman + |
| Current SmokersCDC PLACES | 14.0% | 12.8% | Norman + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Clearwater
73.8°F
Norman
60.2°F
Norman +
Annual Precipitation
NOAA 1991–2020 normal
Clearwater
54.7 in
Norman
38.9 in
Norman +
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 73.8°F | 60.2°F | Norman + |
| Annual PrecipitationNOAA 1991–2020 normal | 54.7 in | 38.9 in | Norman + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Clearwater
7.2 µg/m³
Clearwater +
Norman
8.8 µg/m³
Good Air Days
AQI ≤ 50
Clearwater
75.0%
Norman
75.0%
Tie
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 8.8 µg/m³ | Clearwater + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Clearwater
25.3 min
Norman
24.2 min
Norman +
| Metric | Clearwater, FL | Norman, OK | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 25.3 min | 24.2 min | Norman + |
Which City is Right for You?
Norman leads in median household income at $65,060, while norman offers more affordable housing with a median home price of $264,711. On public safety, Clearwater is safer with a violent crime rate of 324 per 100,000 residents, compared to 429 in Norman. Clearwater has a lower unemployment rate at 4.7%, 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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