HomeFloridaPinellas CountyClearwater
Clearwater, Florida: commercial real estate data.
Clearwater 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 since FY2020.
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$1,480,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Clearwater, in any county, FY2020 to FY2026.
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$420,500
- 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
Counted by borrower city: approvals to borrowers whose address is in Clearwater, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clearwater
Flood risk in Clearwater
- NFIP communityCity of Clearwater
- NFIP community number125096
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date08/24/21
The City of Clearwater participates in the National Flood Insurance Program as community 125096 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Pinellas County, not Clearwater
Pinellas County context, not Clearwater figures
- Establishments in Pinellas County32,509
- Covered employment, Pinellas County447,680
- Average annual pay, Pinellas County$67,519
- Housing units permitted, Pinellas County2,627
Every figure in this section is published for Pinellas County as a whole and is not a measurement of Clearwater.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $187.6 m since FY2020, across 76 lenders, median approval $325,000, plus 122 504 approvals worth $80.4 m since FY2010. 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 Clearwater, city of, community 125096, carrying Community Rating System class 5, which is a premium discount for exceeding the program 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 labeled 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?
No. Nothing on this page presents parcel level zoning.