Finding affordable and convenient student housing in Clearwater, Florida, can be a challenge — especially with rising rent prices across the Tampa Bay area. For local students attending institutions like St. Petersburg College or nearby universities, securing safe and budget-friendly accommodations is often one of the most important steps toward academic success. Fortunately, Clearwater offers several options for both campus housing and off-campus apartments that fit a variety of needs and budgets.
This guide explores affordable housing solutions for college students in Clearwater — from dorm-style living and shared rentals to hidden-gem neighbourhoods that balance price, convenience, and comfort.
1. Understanding the Clearwater Student Housing Market
Clearwater’s housing landscape reflects its dual identity — a coastal city with beachside appeal and a growing education hub. While tourist demand keeps some rental prices high, students can still find affordable off-campus apartments and shared housing options by expanding their search slightly inland or exploring areas with strong public transit connections.
Average student-friendly rents in Clearwater typically range from $800 to $1,200 per month for a studio or shared apartment, depending on location and amenities. Neighbourhoods near downtown Clearwater, Countryside, and Largo often offer lower rents while remaining close to major schools and public transportation routes.
Popular Areas for Students:
- Downtown Clearwater: Central location, near restaurants, shops, and bus routes to St. Petersburg College.
- Countryside: Safe suburban setting with affordable shared apartments and easy access to U.S. 19.
- Largo: Budget-friendly area just south of Clearwater with reliable public transit to campus.
2. On-Campus and Partnered Housing Options
While Clearwater’s colleges don’t always offer traditional dormitories, several schools collaborate with nearby housing providers to create accessible campus housing environments. St. Petersburg College (SPC) partners with local property managers to help students find verified rentals close to their Clearwater and Tarpon Springs campuses.
These arrangements often include furnished units, flexible lease terms, and rent packages that bundle utilities — ideal for students managing expenses on a semester schedule.
Tip: Always check your school’s official housing resources or student life department before signing any lease. Many colleges maintain updated lists of trusted landlords and available student-friendly properties.
3. Exploring Off-Campus Apartments
For students seeking independence, off-campus apartments are the most popular choice. Clearwater has a wide selection of small complexes and private rentals near major roads like Gulf to Bay Boulevard and Drew Street. Apartments in these areas often offer short commute times, reasonable pricing, and proximity to stores, libraries, and part-time job opportunities.
To find affordable listings, consider:
- Checking apartment search platforms like Apartments.com, Zillow, or CollegeRentals.com.
- Joining local Clearwater housing groups on Facebook or student message boards.
- Looking for “by-owner” rentals on Craigslist or Nextdoor (but always verify legitimacy before paying deposits).
Pro Tip: When renting off campus, prioritise properties near bus lines served by the Pinellas Suncoast Transit Authority (PSTA). This saves both gas money and parking costs.
4. Shared Housing and Roommate Opportunities
Sharing an apartment or house with other students is one of the most effective ways to reduce costs. Many Clearwater landlords and homeowners rent out individual rooms to students seeking flexible, short-term leases.
By splitting rent and utilities, students can lower monthly costs to $600 or less while gaining a built-in social network. This option works especially well for international students or those relocating from outside Florida.
Tip: Use platforms like Roommates.com or university housing boards to find trustworthy roommates who share your lifestyle and study habits.
5. Living Near Public Transit or Bike Routes
Clearwater’s public transportation system and bike-friendly layout make it easier to live slightly farther from campus without sacrificing convenience. PSTA bus routes connect major neighbourhoods, shopping centres, and nearby towns like Largo and Dunedin — perfect for students without a car.
Additionally, Clearwater’s bike lanes and mild climate allow students to commute easily between home and campus. Investing in a bike and safety gear can save hundreds in annual fuel and parking costs while promoting a healthy lifestyle.
6. Student-Friendly Apartment Communities
Several apartment complexes in Clearwater cater specifically to students, offering affordable leases, flexible terms, and inclusive utilities. Some popular examples include:
- Bay Pointe Apartments: Budget-friendly units near SPC with pool access and flexible leases.
- The District at Clearwater: Modern amenities and roommate-style floor plans designed for student living.
- Clearwater Oaks Apartments: Quiet environment with easy access to bus routes and nearby restaurants.
These communities often provide added benefits like furnished units, study lounges, or online payment portals — making them ideal for busy students balancing academics and work.
7. Tips for Finding and Securing Affordable Rentals
In a popular coastal city, timing is everything. To secure affordable student housing in Clearwater, start your search early — ideally 2–3 months before the semester begins. Here are a few key strategies to keep your rental hunt stress-free:
- Prepare proof of income or a guarantor letter if you don’t have rental history.
- Set a realistic monthly budget, including utilities and transportation.
- Always tour the property in person or via video call to confirm condition and safety.
- Read the lease carefully — especially clauses about early termination, deposits, and maintenance responsibilities.
Pro Tip: In Florida’s humid climate, look for properties with working air conditioning and proper ventilation to avoid future repair or comfort issues.
8. Considering Student Co-Living Spaces
Co-living spaces are an emerging trend in campus housing near Clearwater. These modern, furnished homes or apartments offer private bedrooms with shared common areas — combining affordability, convenience, and community living.
Rent often includes Wi-Fi, utilities, and cleaning services, making it easier to budget each month. Co-living is especially popular among SPC students and young professionals who want social interaction without long-term lease commitments.
9. Local Housing Resources for Students
Several local organisations and housing services support students looking for affordable options in Clearwater and Pinellas County:
- St. Petersburg College Housing Services: Maintains updated listings and safety resources for students.
- Pinellas County Housing Authority: Offers affordable rental programs and guidance for qualified applicants.
- 211 Tampa Bay Cares: Provides housing assistance and community referrals for individuals facing financial hardship.
Reaching out early can help you secure lower-cost accommodations before demand spikes at the start of each semester.
10. Balancing Affordability and Quality of Life
While affordability is key, your living environment plays a major role in your college experience. Look for housing that provides a safe, clean, and comfortable space conducive to studying and relaxation. Avoid cutting costs at the expense of safety or convenience — especially when commuting late or living alone.
In Clearwater, prioritising proximity to public transit, grocery stores, and campus resources will help you balance budget-friendly rent with everyday convenience.
Key Takeaway
Clearwater, Florida, offers a variety of affordable student housing options for every lifestyle — from shared off-campus apartments to convenient campus housing partnerships. With early planning, research, and attention to location, students can secure comfortable and cost-effective living arrangements that support both academic success and personal well-being.
By staying flexible, exploring different neighbourhoods, and tapping into local resources, you can find housing that fits your needs — leaving you free to focus on what matters most: your education and your future.
