Clearwater, FL vs. Lakeland, FL: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Clearwater vs Lakeland. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Clearwater vs Lakeland in 2025. All income figures are expressed in gross monthly income (pre-tax).
1. Housing Costs
Housing is the biggest factor in the cost of living in Clearwater vs Lakeland. Here’s how typical rent and mortgage prices compare:
| Housing Type | Clearwater | Lakeland |
|---|---|---|
| 2BR Apartment (Rent) | $1,600 | $1,250 |
| 3BR Home (Mortgage) | $2,100 | $1,700 |
🏆 Winner: Lakeland. Housing costs are about 20-25% lower in Lakeland compared to Clearwater. A household moving from Clearwater to Lakeland might save $400/month on housing alone. For a full breakdown, see our guide on Cost of Living in Clearwater – Housing, Groceries, Taxes & More.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect to pay around $150-200/month for electricity, water, and gas in a 2BR apartment. Both cities have warm climates, so A/C usage drives up electric bills in the summer.
🏆 Winner: Tie. Utility costs are comparable in Clearwater and Lakeland.
3. Groceries and Daily Expenses
Grocery prices and everyday costs like dining out are also very similar. Budget around $400/month per person for groceries and household items in either city.
🏆 Winner: Tie. No major difference in food and daily living costs.
4. Taxes and Fees
Florida has no state income tax, so your take-home pay will go further than in many states. However, Clearwater has slightly higher property taxes than Lakeland (1.1% vs 0.9%). HOA fees are common in both cities and typically range from $200-400/month.
🏆 Winner: Lakeland. Lower property taxes give Lakeland a slight edge.
5. Cost Summary Table
| Category | Clearwater | Lakeland |
|---|---|---|
| Housing (3BR) | $2,100 | $1,700 |
| Utilities | $180 | $170 |
| Groceries | $400 | $400 |
| Transportation | $60 | $50 |
| Taxes & Fees | $300 | $250 |
| Misc Expenses | $500 | $500 |
| Est. Monthly Total | $3,540 | $3,070 |
6. Lifestyle Fit
While Lakeland is about 15% cheaper overall, Clearwater offers perks like walkable neighborhoods and quick beach access. Lakeland has more spacious homes and a quieter suburban feel. Clearwater averages 5°F cooler in the summer due to coastal breezes.
7. FAQ
Q: Is Clearwater more affordable than Lakeland?
A: No, Lakeland has a lower cost of living overall, mainly due to cheaper housing.
Q: Which city has lower rent?
A: Lakeland. Rent prices are about 20% lower in Lakeland vs Clearwater.
Q: Where is it cheaper to buy a home?
A: Lakeland. Home prices and property taxes are lower in Lakeland compared to Clearwater.
8. Conclusion
While both cities offer a high quality of life, Lakeland comes out ahead on affordability, especially for housing costs. Lakeland is ideal for those seeking a quiet suburban lifestyle and more bang for their buck. Clearwater’s higher costs get you perks like beach proximity and walkable areas.
For a full look at expenses, see How Much It Costs to Live in Clearwater Each Month. And for more Florida cost of living comparisons, check out our other city-by-city breakdowns!