Clearwater FL vs San Francisco CA — 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%
San Francisco, CA
California · Population: 836,321
- Median HH Income$141,446
- Median Home Price$1,369,171
- Unemployment5.6%
- Bachelor's+60.1%
Detailed Comparison
Demographics
Population
Clearwater
117,075
San Francisco
836,321
San Francisco +
Pop. Density / sq mi
Lower = more space
Clearwater
N/A
San Francisco
N/A
Median Age
Clearwater
46.4
San Francisco
39.7
San Francisco +
Foreign Born
Clearwater
17.0%
San Francisco
34.2%
San Francisco +
White
Clearwater
70.3%
Clearwater +
San Francisco
40.5%
Black
Clearwater
10.2%
Clearwater +
San Francisco
5.1%
Asian
Clearwater
3.6%
San Francisco
35.0%
San Francisco +
Hispanic
Clearwater
17.1%
Clearwater +
San Francisco
15.9%
Spanish at Home
Clearwater
N/A
San Francisco
N/A
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Population | 117,075 | 836,321 | San Francisco + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 46.4 | 39.7 | San Francisco + |
| Foreign Born | 17.0% | 34.2% | San Francisco + |
| White | 70.3% | 40.5% | Clearwater + |
| Black | 10.2% | 5.1% | Clearwater + |
| Asian | 3.6% | 35.0% | San Francisco + |
| Hispanic | 17.1% | 15.9% | Clearwater + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Clearwater
$64,440
San Francisco
$141,446
San Francisco +
Per Capita Income
Clearwater
$42,934
San Francisco
$90,285
San Francisco +
Per Capita Personal Income (MSA)
BEA MSA-level
Clearwater
$65,328
San Francisco
$77,230
San Francisco +
Unemployment Rate
Clearwater
4.7%
Clearwater +
San Francisco
5.6%
Poverty Rate
Clearwater
15.4%
San Francisco
10.6%
San Francisco +
Bachelor's Degree+
Clearwater
32.5%
San Francisco
60.1%
San Francisco +
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Median HH Income | $64,440 | $141,446 | San Francisco + |
| Per Capita Income | $42,934 | $90,285 | San Francisco + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $77,230 | San Francisco + |
| Unemployment Rate | 4.7% | 5.6% | Clearwater + |
| Poverty Rate | 15.4% | 10.6% | San Francisco + |
| Bachelor's Degree+ | 32.5% | 60.1% | San Francisco + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Clearwater
$341,503
Clearwater +
San Francisco
$1,369,171
Homeownership Rate
Clearwater
59.1%
Clearwater +
San Francisco
38.5%
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $341,503 | $1,369,171 | Clearwater + |
| Homeownership Rate | 59.1% | 38.5% | Clearwater + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Clearwater
324
Clearwater +
San Francisco
503
Property Crime / 100K
FBI CDE (state-level est.)
Clearwater
1453
Clearwater +
San Francisco
2388
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 503 | Clearwater + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 2388 | Clearwater + |
Health
Obesity Rate
CDC PLACES
Clearwater
33.3%
San Francisco
17.5%
San Francisco +
Diabetes Rate
CDC PLACES
Clearwater
13.5%
San Francisco
9.7%
San Francisco +
Poor Mental Health
CDC PLACES — 14+ days/month
Clearwater
16.8%
San Francisco
14.5%
San Francisco +
No Health Insurance
CDC PLACES
Clearwater
14.7%
San Francisco
6.6%
San Francisco +
Binge Drinking
CDC PLACES
Clearwater
15.6%
Clearwater +
San Francisco
19.6%
Current Smokers
CDC PLACES
Clearwater
14.0%
San Francisco
9.1%
San Francisco +
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.3% | 17.5% | San Francisco + |
| Diabetes RateCDC PLACES | 13.5% | 9.7% | San Francisco + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.8% | 14.5% | San Francisco + |
| No Health InsuranceCDC PLACES | 14.7% | 6.6% | San Francisco + |
| Binge DrinkingCDC PLACES | 15.6% | 19.6% | Clearwater + |
| Current SmokersCDC PLACES | 14.0% | 9.1% | San Francisco + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Clearwater
73.8°F
San Francisco
55.3°F
San Francisco +
Annual Precipitation
NOAA 1991–2020 normal
Clearwater
54.7 in
San Francisco
20.7 in
San Francisco +
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 73.8°F | 55.3°F | San Francisco + |
| Annual PrecipitationNOAA 1991–2020 normal | 54.7 in | 20.7 in | San Francisco + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Clearwater
7.2 µg/m³
Clearwater +
San Francisco
7.9 µg/m³
Good Air Days
AQI ≤ 50
Clearwater
75.0%
San Francisco
75.0%
Tie
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 7.9 µg/m³ | Clearwater + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Clearwater
25.3 min
Clearwater +
San Francisco
33.9 min
| Metric | Clearwater, FL | San Francisco, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 25.3 min | 33.9 min | Clearwater + |
Which City is Right for You?
San Francisco leads in median household income at $141,446, 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 503 in San Francisco. 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, San Francisco scores better with a lower obesity rate of 17.5%.
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