Clearwater FL vs Toledo OH — 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%
Toledo, OH
Ohio · Population: 268,461
- Median HH Income$47,532
- Median Home Price$130,101
- Unemployment8.5%
- Bachelor's+21.0%
Detailed Comparison
Demographics
Population
Clearwater
117,075
Toledo
268,461
Toledo +
Pop. Density / sq mi
Lower = more space
Clearwater
N/A
Toledo
N/A
Median Age
Clearwater
46.4
Toledo
35.7
Toledo +
Foreign Born
Clearwater
17.0%
Clearwater +
Toledo
3.4%
White
Clearwater
70.3%
Clearwater +
Toledo
58.7%
Black
Clearwater
10.2%
Toledo
28.7%
Toledo +
Asian
Clearwater
3.6%
Clearwater +
Toledo
1.4%
Hispanic
Clearwater
17.1%
Clearwater +
Toledo
8.9%
Spanish at Home
Clearwater
N/A
Toledo
N/A
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Population | 117,075 | 268,461 | Toledo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 46.4 | 35.7 | Toledo + |
| Foreign Born | 17.0% | 3.4% | Clearwater + |
| White | 70.3% | 58.7% | Clearwater + |
| Black | 10.2% | 28.7% | Toledo + |
| Asian | 3.6% | 1.4% | Clearwater + |
| Hispanic | 17.1% | 8.9% | Clearwater + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Clearwater
$64,440
Clearwater +
Toledo
$47,532
Per Capita Income
Clearwater
$42,934
Clearwater +
Toledo
$27,407
Per Capita Personal Income (MSA)
BEA MSA-level
Clearwater
$65,328
Clearwater +
Toledo
$58,300
Unemployment Rate
Clearwater
4.7%
Clearwater +
Toledo
8.5%
Poverty Rate
Clearwater
15.4%
Clearwater +
Toledo
24.5%
Bachelor's Degree+
Clearwater
32.5%
Clearwater +
Toledo
21.0%
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Median HH Income | $64,440 | $47,532 | Clearwater + |
| Per Capita Income | $42,934 | $27,407 | Clearwater + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $58,300 | Clearwater + |
| Unemployment Rate | 4.7% | 8.5% | Clearwater + |
| Poverty Rate | 15.4% | 24.5% | Clearwater + |
| Bachelor's Degree+ | 32.5% | 21.0% | Clearwater + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Clearwater
$341,503
Toledo
$130,101
Toledo +
Homeownership Rate
Clearwater
59.1%
Clearwater +
Toledo
52.7%
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $341,503 | $130,101 | Toledo + |
| Homeownership Rate | 59.1% | 52.7% | Clearwater + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Clearwater
324
Toledo
319
Toledo +
Property Crime / 100K
FBI CDE (state-level est.)
Clearwater
1453
Clearwater +
Toledo
1866
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 319 | Toledo + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 1866 | Clearwater + |
Health
Obesity Rate
CDC PLACES
Clearwater
33.3%
Clearwater +
Toledo
39.3%
Diabetes Rate
CDC PLACES
Clearwater
13.5%
Clearwater +
Toledo
15.7%
Poor Mental Health
CDC PLACES — 14+ days/month
Clearwater
16.8%
Clearwater +
Toledo
20.6%
No Health Insurance
CDC PLACES
Clearwater
14.7%
Toledo
11.3%
Toledo +
Binge Drinking
CDC PLACES
Clearwater
15.6%
Toledo
14.9%
Toledo +
Current Smokers
CDC PLACES
Clearwater
14.0%
Clearwater +
Toledo
19.9%
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.3% | 39.3% | Clearwater + |
| Diabetes RateCDC PLACES | 13.5% | 15.7% | Clearwater + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.8% | 20.6% | Clearwater + |
| No Health InsuranceCDC PLACES | 14.7% | 11.3% | Toledo + |
| Binge DrinkingCDC PLACES | 15.6% | 14.9% | Toledo + |
| Current SmokersCDC PLACES | 14.0% | 19.9% | Clearwater + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Clearwater
73.8°F
Toledo
50.6°F
Toledo +
Annual Precipitation
NOAA 1991–2020 normal
Clearwater
54.7 in
Toledo
33.4 in
Toledo +
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 73.8°F | 50.6°F | Toledo + |
| Annual PrecipitationNOAA 1991–2020 normal | 54.7 in | 33.4 in | Toledo + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Clearwater
7.2 µg/m³
Clearwater +
Toledo
10.3 µg/m³
Good Air Days
AQI ≤ 50
Clearwater
75.0%
Clearwater +
Toledo
55.0%
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 10.3 µg/m³ | Clearwater + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Clearwater + |
Commute
Mean Commute Time
Census ACS
Clearwater
25.3 min
Toledo
21.3 min
Toledo +
| Metric | Clearwater, FL | Toledo, OH | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 25.3 min | 21.3 min | Toledo + |
Which City is Right for You?
Clearwater leads in median household income at $64,440, while toledo offers more affordable housing with a median home price of $130,101. On public safety, Toledo is safer with a violent crime rate of 319 per 100,000 residents, compared to 324 in Clearwater. 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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