Best PlacesOn Top of The World, Clearwater, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around On Top of The World, Clearwater, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
On Top of The World, Clearwater ranks 3,306th of 5,983 U.S. neighborhoods on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and summer heat is the weak spot.
The best neighborhoods in On Top of The World, Clearwater
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
On Top of The World, Clearwater's strengths and weaknesses
Where On Top of The World, Clearwater ranks high
- State infrastructureBetter than 96% of neighborhoods
- QuietBetter than 95% of neighborhoods
- Low income/sales/gas taxBetter than 95% of neighborhoods
- Crime safetyBetter than 93% of neighborhoods
- Healthcare accessBetter than 86% of neighborhoods
Where On Top of The World, Clearwater ranks low
- Heat safetyBetter than only 1% of neighborhoods
- WalkabilityBetter than only 9% of neighborhoods
- Health outlookBetter than only 10% of neighborhoods
- Disaster safetyBetter than only 11% of neighborhoods
- Cheap car insuranceBetter than only 12% of neighborhoods
What it costs to buy a home in On Top of The World, Clearwater
A household needs to earn about $52,000 a year to comfortably buy the median On Top of The World, Clearwater home, at 20% down and today's 30-year rate. That is below the area's own median income of $52,792, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses On Top of The World, Clearwater's effective rate of 0.67%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 4 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in On Top of The World, Clearwater
On Top of The World, Clearwater runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for On Top of The World, Clearwater.
Who works in On Top of The World, Clearwater, and how
Work in On Top of The World, Clearwater centers on health care & social and other services. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 74%
- Work from home 22%
- Transit, walk, or bike 4%
Life in On Top of The World, Clearwater
The coast is about 6 minutes away. Distance to the water changes a lot across On Top of The World, Clearwater, which the map shows.
What the weather is like in On Top of The World, Clearwater, month by month
On Top of The World, Clearwater sees roughly 153 pleasant days a year. July highs average about 93 degrees. January highs sit near 73, with lows near 52. The comfortable stretch runs November through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 73° | 61° | 52° |
| April | 85° | 74° | 65° |
| July | 93° | 84° | 77° |
| October | 87° | 78° | 71° |
Flying in and out of On Top of The World, Clearwater
The nearest airport, St Pete-Clearwater International, is about 7 miles away and is a small airport. The nearest major hub is Tampa International, about 13 miles away.
The best schools in and around On Top of The World, Clearwater
Schools across On Top of The World, Clearwater average a B+, better than 78% of neighborhoods.
Top elementary schools
- Leila Davis Elementary SchoolA · 68% proficient
- Mcmullen-booth Elementary SchoolB− · 43% proficient
Top middle schools
- Safety Harbor Middle SchoolB · 45% proficient
Top high schools
- Countryside High SchoolB · 46% proficient
- Dunedin High SchoolB− · 43% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every On Top of The World, Clearwater school and its grade on SchoolGrade.
On Top of The World, Clearwater measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare On Top of The World, Clearwater against the other 5,982 neighborhoods.
Common questions about living in On Top of The World, Clearwater
Is On Top of The World, Clearwater a good place to live?
Using BestNeighborhood's default rankings, On Top of The World, Clearwater ranks 3,306th of 5,983 neighborhoods. It scores highest on state infrastructure, quiet, and low taxes, and lowest on summer heat and walkability. How good it is for you depends on which of those you weight most, which the map lets you set.
Is On Top of The World, Clearwater expensive to live in?
The median home is worth $202,471. The overall cost of living runs about 18% below the national average. Set against a $52,792 median income, cost of living beats 35% of neighborhoods.
Is On Top of The World, Clearwater safe?
Yes, On Top of The World, Clearwater is safer than 93% of neighborhoods. Safety varies a lot by neighborhood. Crime costs an estimated $142 per resident a year.
Compare On Top of The World, Clearwater with other neighborhoods
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to On Top of The World, Clearwater. Scores are absolute rather than ranked, which means a 60 in On Top of The World, Clearwater represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
On Top of The World, Clearwater detail on BestNeighborhood maps:
- Walk Grade for On Top of The World, Clearwater: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in On Top of The World, Clearwater: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of On Top of The World, Clearwater: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in On Top of The World, Clearwater: carrier by carrier coverage behind the cell score.
On Top of The World, Clearwater detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.