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Clearwater, FL housing market

The Clearwater housing market isn’t that competitive. The median home sales price in January 2025 has decreased in the past 3 months to $400,000. That’s up 3.9% and $15,000 higher than January 2024 of last year. That is higher than the Florida state median home sales price of $410,600. Homes typically sell after 49 days on market, which is faster than the state average and higher than 43 days in January 2024 a year prior.

Housing market overview for

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Trended Median Home Values
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How much do homes in Clearwater, FL cost?

The median home price in Clearwater was $400,000 in January 2025, up 3.9% from last year.

January's median sale price
$400K
Caret UpUp $15K and 3.9% since Jan 2024
Trended Homes Inventory
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How many homes are available in Clearwater, FL?

The real estate market in Clearwater had 781 homes for sale in January and is up from 704 homes for sale the month prior and up from 747 homes in January 2024.

Homes for sale in January
781
Caret UpUp 34 and 4.6% since Jan 2024
Trended Homes Sold
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How many homes are sold in Clearwater, FL?

There were 121 homes sold in January 2025, trending down from 126 homes sold a year ago.

Homes sold in January
121
Caret DownDown 5 and 4% since Jan 2024
Trended Median Days on Market
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How long does it take to sell a home in Clearwater, FL?

Homes in Clearwater are staying on the market for 49 days. That’s 6 days slower than the median in January 2024, which means that the market is less competitive today.

Median days on market in January
49
Caret UpUp 6 and 14% since Jan 2024

Is it a buyer’s or seller’s market in Clearwater, FL?

It is considered a balanced market right now. Housing inventory is up since last year, which means supply is less constrained. Mortgage rates are 6.8%, making the average house payment $2,986, which is $439 higher than a year before.

Total months of housing supply available for sale is 6.5 months, down 1.5% from 6.6 month(s) in January 2024.

Months of Supply

The Months of Supply housing metric is an estimate of how long it would take to sell all the homes for sale relative to the number of homes sold each month. Historically, 5 to 6 months is the average. You may also hear this metric referred to as the "absorption rate."

Lower months of housing supply typically signal a seller’s market whereas when months of supply is greater than 6 months typically signal a buyer’s market.

Sales to Listing Ratio

Sales to Listing Ratios are an indicator of supply and demand. It is all the completed sales in the past month divided by the total number of active listings.

In a balanced real estate market, the total number of home sales to active listings ratio is between 0.12 and 0.2 while markets with a ratio higher than 0.2 favors seller’s, as homes are selling fast and there is limited inventory, while markets below 0.12 favor home buyers because there is a larger supply of homes to purchase.

Selling a house in Clearwater, FL

Home values have increased by 4.7% since last year, and the number of days it takes to sell a home has increased from 43 days in January 2024 to 49 days in January 2025.

The best time to sell your home in Clearwater is in August, when homes sell fastest and for the most money.

Sellers typically pay the commission of both the listing and buyer’s agents, which typically total 5-6% of the home sale price. That’s $24,000 paid in commission to the real estate agents. You’d also need to factor in closing costs, plus other fees and your mortgage payoff amount, to calculate the net proceeds from your home sale.

Buying a house in Clearwater, FL

Homes in Clearwater have a median price of $400,000, which means you’ll need $40,000 for a 10% down payment. Housing costs have increased 4.7% in the past year. When you’re several months out and have your down payment saved, make sure to get pre-approved for a mortgage and find a real estate agent.

Home values are only one part of the home affordability equation. When buying a house in Clearwater, don’t forget to also account for closing costs, which are typically 3-4% of the home cost. In addition to a down payment of $40,000 you should have $16,000 as well as budget for cash reserves, moving expenses and ongoing homeownership costs for home maintenance and repairs or HOA fees.

Clearwater home values are 17.5% cheaper than Dunedin and 2.6% cheaper than the state median home value.

How does the Clearwater real estate market compare to other markets?

The Clearwater real estate market has a median sale price of $400,000, which is 2.6% lower than the state median sale price of $410,600. Compare other markets or nearby cities, as they can vary significantly.

Clearwater, FL
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Dunedin, FL
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Florida
Median home saleMedian home saleMedian home sale
$400,000$469,900$410,600
Days on marketDays on marketDays on market
493173
Monthly house payment
Monthly house payment
Monthly house payment
$2,986$3,456$3,057
Cost to buy a house
Cost to buy a house
Cost to buy a house
$56,000$65,786$57,484
Cost to sell a house
Cost to sell a house
Cost to sell a house
$28,000$32,893$28,742

Take the next step in Clearwater: Find an agent

Navigating the Clearwater housing market can be tricky, but you don’t have to go it alone. When you're ready to learn more, reach out to a local Clearwater real estate agent to get the process started. We recommend interviewing multiple candidates and coming prepared with a list of all your questions.

Clearwater, FL housing market FAQs

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