Clearwater is one of Florida’s most popular coastal spots—for good reason. With beautiful white-sand beaches, clear Gulf waters, and year-round sunshine, it’s no surprise that many buyers are drawn to the idea of owning a vacation home here. Whether you’re looking for a personal getaway or a rental property, Clearwater has plenty to offer.
Below, we’ll walk through the key things to consider before buying a vacation home in Clearwater, including location tips, price ranges, rental rules, and more.
Why People Choose Clearwater for Vacation Homes
The lifestyle in Clearwater is laid-back and beach-focused, but still close to plenty of dining, shopping, and entertainment. From boating and fishing to food festivals and sunset walks, the area draws visitors all year long—making it a smart place to invest in short-term rentals.
Owning a vacation property in Clearwater gives you a personal retreat whenever you need it. And when you’re not using it, you may be able to generate rental income during high-demand seasons.
Best Areas in Clearwater for Vacation Properties
When deciding where to buy, think about what matters most: walkability, water access, privacy, or nightlife. Some top locations include:
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Clearwater Beach – The most popular (and busiest) area, ideal for high rental potential and walkable access to everything.
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Island Estates – A quiet, upscale residential area with waterfront homes, close to Clearwater Beach but more private.
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Downtown Clearwater – Offers a mix of condos and single-family homes close to restaurants, shops, and the marina.
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Sand Key – A peaceful spot just south of Clearwater Beach that offers a more relaxed pace with great views.
What Does a Vacation Home Cost in Clearwater?
Prices can vary a lot depending on the location and size of the property. Homes near Clearwater Beach often start around $400,000 and can climb past $1 million. If you’re open to areas slightly inland or off the main tourist path, you may find options starting closer to $300,000.
Don’t forget to factor in costs like:
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Property taxes
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Homeowners association (HOA) fees
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Insurance (especially if near the water)
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Upkeep and maintenance
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If renting: property management, cleaning, and booking platform fees
What to Look for in a Vacation Home
Whether you’re planning to use the property yourself or rent it out, keep these things in mind:
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Distance to the beach
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Outdoor features (pool, patio, balcony)
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Parking availability
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Rental appeal (photos, layout, amenities)
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HOA rules and restrictions
Homes with ocean views, updated kitchens, and space for families tend to perform better in the rental market.
Can You Rent Out a Vacation Home in Clearwater?
Yes—but there are rules. Short-term rentals are allowed in some areas, but they require the right permits and must follow city regulations. Be sure to:
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Check the zoning for the property
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Apply for the proper rental license (if required)
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Understand local occupancy limits and tax rules
A knowledgeable local agent can help you navigate these details and avoid any legal headaches.
What About Financing?
Buying a second home usually means a higher down payment (often 20% or more) and potentially a higher interest rate than your primary residence. If the home will be used as a rental, you may need to go with an investment property loan instead of a standard mortgage.
Working with a lender who understands vacation and rental properties in Florida is important—and so is teaming up with a real estate agent who can help you find the right fit.
Things to Keep in Mind
Vacation homes can be a great investment, but they’re not without risk. You’ll want to prepare for:
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Market fluctuations
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Seasonal demand for rentals
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Emergency maintenance or storm-related repairs
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Being responsible for guests or tenants if you plan to rent
That’s why it helps to have a team in place—local agents, property managers, and vendors you trust.
Start Your Search with Tiffany Novitsky
If you’re ready to start exploring Clearwater vacation homes, I’m here to help. As a local Realtor with Lauren Michaels Real Estate Partners, I know this market well and can guide you through every step.
Let’s find the perfect place for your lifestyle and goals—whether that’s a beachfront condo, a quiet island retreat, or a rental-ready investment.