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City Housing Verdict

Clermont, FL

High Pressure

Living in Clermont, FL costs about 20% more than the national average (Cost Index: 120). Housing is the main driver — the typical home value of $429,741 is well above the $303,400 US median. The local median household income is $79,789, which helps frame the place-side housing burden.

Clermont already reads as a high-pressure housing market, with 31% rent burden, 5.4x home-price-to-income, and a housing index of 142. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Clermont.

Monthly Housing
$2,054/mo
Lower of rent or buy scenario
Housing Burden
31%
Stretch
Residual Cash
$4,095/mo
After housing and debt · $1,365/person
Rent vs Buy
Renting is the lower-pressure baseline
Main pressure: home prices
Assumptions
Housing Mode
Confidence: HighHome source: ZILLOWRent source: ZILLOWBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 38%
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Cost Index
120
Expensive
Based on housing costs · See methodology
Median Home Value
$429,741
Zillow ZHVI Market Rate • Census ACS: $368,600
National: $303,400
Median Rent
$2,054/mo
Zillow ZORI Market Rate • Census ACS: $1,774/mo
National: $1,348/mo
Household Income
$79,789
National: $78,538
Population
44,984
Purchasing Power
85
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
142 / 100
42% above average
Rent Index
152 / 100
52% above average
Goods & Groceries
96 / 100
About the same as most US cities
Utilities
87 / 100
13% lower utility bills
Healthcare & Services
99 / 100
In line with national average
Overall Index
120
Expensive · 20% above average

Clermont Mortgage Calculator

Pre-filled with the local median home value of $429,741 and Florida's property tax rate of 0.86%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$79,789
Census ACS place context
Rent Burden Estimate
31%
Typical annual rent / local household income
Home Price to Income
5.4x
Typical home value / local household income
Use this section to judge whether Clermont looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Clermont, FL

Est. Annual Property Tax
$3,696
Monthly Impact
$308
Added to your mortgage
Effective Rate
0.86%
National avg: ~1.00%

Florida Place Tax Context

Tax TypeFloridaNational Avg
Property Tax Rate0.86%1.00%
Top Income Tax RateNo State Income Tax~5.0%
State Sales Tax7.01%~5.0%

Compare Clermont to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Clermont, FL
120
152
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Clermont, FL: 142
Rent Prices
152

FAQ: Living in Clermont

Is Clermont, FL an expensive place to live?+

Yes — Clermont is about 20% more expensive than the national average, with an overall Cost Index of 120. Housing is the biggest factor: the typical home here is valued around $429,741, and monthly rents average roughly $2,054. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Clermont fit a household housing budget?+

Start with housing. Typical monthly rent is $2,054, while local median household income is $79,789. That implies a rent-burden proxy of about 31% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Clermont, FL?+

Florida is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 0.86%. On a home worth $429,741, that translates to roughly $3,696 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.

How much does it cost to rent in Clermont, FL?+

The typical monthly rent in Clermont is around $2,054. That's about 52% higher than the $1,348 national median. For comparison, the median home value here is $429,741, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Clermont, FL?+

The median home in Clermont is valued at $429,741. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $2,173/month for principal and interest alone — before property taxes and insurance. About 68% of residents here own their homes.

Are groceries and utilities expensive in Clermont?+

Grocery prices in Clermont are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 87). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Clermont, FL like to live in?+

Clermont is a smaller city with a population of about 44,984. The median age of residents is 42.4, skewing somewhat older — common in established suburban communities. The local poverty rate is 6.04%, well below the national average of 12.4%.

Higher-Pressure Comparisons in Florida

Use these city pages when you want to compare Clermont against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly