Cost of Living: Irving, TX vs Clearwater, FL (2026)

Irving

Texas
102
VS

Clearwater

Florida
105

Irving is 3% cheaper than Clearwater.

$1,517/mo ↓ 1%
Median Rent
$1,539/mo ↑ 1%
$79,641/yr ↑ 24%
Median Income
$64,440/yr ↓ 19%
$287,300 ↓ 12%
Home Value
$326,100 ↑ 14%
$1,521/mo ↑ 8%
Owner Costs
$1,411/mo ↓ 7%
255,036
Population
117,075

Tax Comparison

0%
Income Tax
0%
6.25%
State Sales Tax
6.0%
1.6%
Property Tax
0.86%

Affordability

22.9%
rent-to-income
Affordability
28.7%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Clearwater, FL, the overall cost of living indices are 102 and 105 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $15,201/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $326,100 in Clearwater.

Frequently Asked Questions

Irving vs Clearwater — common questions

Is Irving or Clearwater cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 105 (US average = 100).
What is the rent difference between Irving and Clearwater?
Median rent in Irving is $1,517/month and in Clearwater it's $1,539/month — a difference of $22/month.
Which city has higher income, Irving or Clearwater?
Median household income is $79,641 in Irving and $64,440 in Clearwater. Median household income is $15,201/year higher in Irving.
How do taxes compare between Texas and Florida?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Irving or Clearwater?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Clearwater has a cost index of 105 with rent of $1,539/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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