HomeFloridaPinellas CountyClearwater city
Clearwater city, Florida: commercial real estate data.
Clearwater city is a Census city of 117,247 people across 26.18 square miles of land, in Pinellas County. Median household income is $66,381, 58.6 percent of occupied homes are owned, and the SBA record carries 305 7(a) approvals to borrowers here worth $187.6 m.
83 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Clearwater
What Clearwater is
- Census place typecity
- Land area26.18 sq mi
- Water area12.13 sq mi
- Population per square mile of land4,478
- County holding the largest share of its areaPinellas County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
How many people live in Clearwater
- Population117,247
- Median age46.6
- Population under 1819,780
- Share under 1816.9 percent
- Population 65 and over28,231
- Share 65 and over24.1 percent
- Households49,998
- Family households27,995
- Share of households that are families56.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
Income and work in Clearwater
- Median household income$66,381
- Per capita income$44,653
- Civilian labor force59,071
- Employed56,571
- Unemployed2,500 plus or minus 528
- Unemployment rate4.2 percent plus or minus 0.9
- Adults 25 and over89,305
- Adults 25 and over with a high school diploma or higher90.9 percent
- Adults 25 and over with a bachelor degree or higher32.6 percent
- Adults 25 and over with a graduate degree12.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
Housing in Clearwater
- Housing units61,123
- Occupied units49,998
- Vacant units11,125
- Vacancy rate18.2 percent
- Owner occupied29,287
- Renter occupied20,711
- Ownership rate58.6 percent
- Median owner-occupied home value$361,300
- Median gross rent, monthly$1,658
- Annual rent as a share of median income30.0 percent
- Single family units27,440
- Share single family44.9 percent
- Units in buildings of two or more30,422
- Share in buildings of two or more49.8 percent
- Mobile homes3,254
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
How Clearwater gets to work
- Workers 16 and over who commute43,848
- Commuting under 15 minutes10,953
- Share commuting under 15 minutes25.0 percent
- Commuting 30 minutes or more14,064
- Share commuting 30 minutes or more32.1 percent
- Drove alone62.0 percent
- Carpooled8.7 percent
- Public transport3.7 percent plus or minus 0.8
- Walked1.4 percent plus or minus 0.5
- Worked from home20.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
SBA loans in Clearwater (7(a))
- Approvals305
- Gross approval$187,628,300
- Average approval$615,175
- Median approval$325,000
- Ninetieth percentile approval$1,500,000
- Largest approval$5,000,000
- Jobs supported3,724
- Jobs per approval12.2
- Loans with a final outcome68
- Paid in full64
- Charged off4
- Charge-off rate over resolved loans5.9 percent
- Median term120 months
- Share on real estate terms of 20 years or more17.7 percent
- Share to franchises13.1 percent
- Distinct lenders76
- Distinct industries by NAICS131
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clearwater
SBA loans in Clearwater (504)
- Approvals122
- Gross approval$80,379,000
- Average approval$658,844
- Median approval$422,000
- Largest approval$5,072,000
- Jobs supported1,171
- Loans with a final outcome43
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clearwater
Flood risk in Clearwater
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 5
- NFIP community number125096
- Currently effective map date08/24/21
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Pinellas County, not Clearwater
Pinellas County context, not Clearwater figures
These are Pinellas County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Clearwater measurements.
- Establishments in Pinellas County32,509
- Employment at those establishments, Pinellas County425,004
- Covered employment, Pinellas County447,680
- Average annual pay, Pinellas County$67,519
- Average weekly wage, Pinellas County$1,298
- Housing units permitted, Pinellas County2,627
- Of those, single family, Pinellas County1,135
- County product, 2024, Pinellas County$78,130,648,000
- County product change over the prior year, Pinellas County5.3 percent
- Average income of an arriving household, Pinellas County$109,940
Every figure in this section is published for Pinellas County as a whole and is not a measurement of Clearwater. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Clearwater questions, answered from the record.
How many people live in Clearwater, Florida?
117,247, in 49,998 households. Clearwater city covers 26.18 square miles of land, which is 4,478 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clearwater in?
Pinellas County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Clearwater?
$66,381. The median owner-occupied home is valued at $361,300. Median gross rent is $1,658 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Clearwater businesses?
305 7(a) approvals totalling $187.6 m, across 76 lenders, median approval $325,000, plus 122 504 approvals worth $80.4 m. These count approvals to borrowers whose address is in Clearwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clearwater borrowers get paid back?
Of the 68 loans that have reached a final outcome, 64 were paid in full and 4 charged off, a charge off rate of 5.9 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Clearwater in the National Flood Insurance Program?
Yes. Clearwater appears in the FEMA Community Status Book as community 125096, carrying Community Rating System class 5, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Clearwater figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Pinellas County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Clearwater.
Is zoning published for Clearwater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.