Clearwater Beach ZIP Code: 33767 Explained

Clearwater Beach ZIP Code: 33767

Clearwater Beach's ZIP code is 33767. It covers the barrier island of Clearwater Beach — the white-sand Gulf Coast destination that stretches from Clearwater Pass south to Sand Key — and is distinct from mainland Clearwater, which spans multiple ZIP codes including 33755, 33756, 33759, 33763, and 33764. If you own or are buying property on the island itself, 33767 is your ZIP.

This is one of the most recognizable real estate ZIP codes in all of Pinellas County, and it comes with a very specific set of considerations: high flood exposure, condo-dominated inventory, strict short-term rental rules, and price points that outpace most of the surrounding Bay area.

What Area Does 33767 Actually Cover?

The 33767 ZIP code covers Clearwater Beach island, Sand Key (the southern barrier island extending toward Belleair Beach), and a small portion of the Intracoastal waterway edge near Clearwater Pass. The Clearwater Memorial Causeway (SR-60) is the primary connector from mainland Clearwater to the island.

A few things locals know that online maps miss:

• Sand Key sits south of Clearwater Pass and technically has its own feel — quieter, more residential, more condos and fewer beach bars — but it shares the 33767 ZIP with the more commercial north end of the island.
• The Pier 60 area and the main Clearwater Beach strip (Mandalay Avenue, Coronado Drive) are the tourist core, also 33767.
• Residential-feeling streets like Bayside Drive and Somerset Street on the back side of the island are still 33767, and they sometimes offer better flood profile than Gulf-front parcels at lower price points — something worth knowing if you're buying here.

Home Prices in Clearwater Beach (33767) in 2026

The Clearwater Beach market is almost entirely condos. True single-family homes on the island are rare, and when they come up, they routinely exceed $1.5 million. The condo market is wide — everything from aging 1970s mid-rises on the back bay to modern high-rises with Gulf views.

Asking data for 33767 as of late 2026:

For context, the Pinellas County single-family median is $469,900 (April 2026), up roughly 1.1% year-over-year. Clearwater Beach skews significantly above that county median, primarily because of its Gulf-front positioning and limited land supply.

Zillow's Zestimate carries a known 7–12% error rate in Florida, and in a ZIP like 33767 — where a unit on the 4th floor of a building differs materially from one on the 14th floor — an algorithm simply cannot capture that nuance. Real MLS comps pulled by a local agent who knows the building-by-building differences are the only reliable benchmark.

Flood Zone Reality for 33767

This is the single most important thing buyers need to understand about Clearwater Beach. The vast majority of 33767 falls in FEMA Zone VE or Zone AE — the two highest-risk flood designations under FEMA's Risk Rating 2.0 framework.

Zone VE applies to Gulf-front and beachside parcels. VE is the most restrictive designation, requiring compliance with coastal construction standards (V-zone requirements include open-foundation design, no breakaway walls below BFE, etc.). Annual flood insurance premiums in VE zones on Clearwater Beach commonly run $4,000–$12,000+ per year, depending on building age, elevation, and coverage amount. Post-Hurricane Helene (September 2024) and Hurricane Milton (October 2024), private insurers re-priced their coastal Florida appetite significantly — some carriers exited, others added hurricane deductibles in the 5–10% range for barrier island properties.

Zone AE covers many of the back-bay and Intracoastal-facing units on the island. These carry lower premiums than VE, but flood insurance is still mandatory with any federally backed mortgage loan and can easily run $2,000–$6,000/year depending on finish floor height relative to the Base Flood Elevation (BFE).

A few things the algorithm won't tell you:

• An Elevation Certificate (EC) — while no longer required to purchase an NFIP policy — remains the most powerful tool to reduce your premium. If a unit sits 2+ feet above BFE, that gap translates directly to premium savings. Always ask the seller for the EC before closing.
• The FEMA 50% rule is a real concern on the island: if a structure in the Special Flood Hazard Area (SFHA) is damaged and repair costs hit 50% or more of the structure's market value, full flood-code compliance is triggered. For older, lower-elevation buildings, this can mean mandatory elevation of the structure.
• Pinellas County participates in FEMA's Community Rating System (CRS), which earns policyholders a discount on NFIP premiums — currently a meaningful reduction. See my page on how the CRS discount lowers flood insurance in Pinellas for the specifics.

For any property in 33767, I always recommend pulling the full flood history from the Pinellas County Property Appraiser and running the address through the FEMA flood zone lookup before you make an offer.

Short-Term Rental Rules: What 33767 Investors Need to Know

Clearwater enforces a 31-day minimum rental period in residential zones. That effectively shuts down traditional nightly-rate Airbnb operations for most condos in 33767. This is a hard rule, not a soft one — it has teeth and code enforcement.

There are grandfathered exceptions and some commercially zoned properties that operate under a vacation rental license that predates the ordinance, but new buyers should not assume they can run a nightly rental in a 33767 condo just because the building doesn't prohibit it at the HOA level. The city-level restriction is separate from the HOA.

Compare that to Treasure Island or Indian Rocks Beach, where nightly short-term rentals are permitted in tourist-designated zones — a material difference for investors. If STR income is the reason you're buying, the Indian Rocks Beach vs. Treasure Island comparison lays that out in detail.

The bottom line: 33767 is a strong long-term rental and seasonal rental market (30+ day stays, particularly snowbird season), but it is not the right ZIP for an investor banking on Airbnb nightly income.

Property Taxes and HOA Costs in 33767

Pinellas County's effective property tax rate runs roughly 0.9–1.0% of market value for homesteaded owners and higher for non-homestead (investment/second-home) properties. On a $750,000 condo in Clearwater Beach, that's approximately $6,750–$7,500/year in property taxes before any exemptions.

If you're buying a primary residence, Florida's homestead exemption (up to $51,411 for 2026 per FL DOR, structured as two layers) and the Save Our Homes cap (limited to the lower of 3% or CPI — 2.7% for 2026) can provide meaningful long-term savings. But for investment or second-home buyers, neither of those protections applies.

HOA fees in 33767 vary wildly by building age and amenity set. Older mid-rises from the 1970s–1980s often have lower stated monthly fees but are under pressure to fund reserve studies and milestone inspections required under Florida's 2022 condo safety law (SB 4D). Buildings that have deferred maintenance are now facing special assessments that can run five to six figures. Before buying any condo in 33767, request:

1. The most recent reserve study
2. Minutes from the last 12 months of HOA board meetings
3. Documentation of any pending or recently passed special assessments
4. The building's milestone inspection status (required for buildings 30+ years old near a coastline)

This is not optional due diligence — it's the difference between buying a clean asset and inheriting a financial obligation you didn't price in.

Clearwater Beach vs. Other Pinellas Beach ZIP Codes

Buyers often compare 33767 to other barrier-island ZIP codes along the Pinellas coast. Here's an honest comparison:

If your priority is beach lifestyle + owner-occupancy, Clearwater Beach (33767) is hard to beat in Pinellas — the beaches are genuinely wider and the amenity base (Pier 60, Marina, Clearwater Marine Aquarium) is strong. If investor returns from nightly rentals are the goal, Indian Rocks Beach or Treasure Island will give you more operating flexibility.

For a deeper side-by-side, my Clearwater Beach vs. St. Pete Beach comparison covers price, flood zones, and rental rules in detail.

What Sellers in 33767 Should Know

If you own in Clearwater Beach and are thinking about selling, the market dynamics favor sellers who price correctly from day one. Overpriced condos in 33767 are sitting longer in 2026 — buyers have become significantly more insurance-aware post-Helene and Milton, and they're stress-testing flood insurance premiums before they make offers.

Sellers who come to the table with:

• An Elevation Certificate already on file
• Documentation of a recently passed milestone inspection
• Clean HOA reserve funding (per the reserve study)
• A 4-point inspection and wind mitigation report in hand

…close faster and closer to asking price than those who make buyers discover these details during due diligence. Buyers today walk if the insurance math doesn't work. Help them see that it does.

The Zillow Zestimate for a 33767 property will often miss the unit-specific factors entirely — a renovated 14th-floor Gulf-view unit with a clean flood history and solid HOA reserves is worth materially more than a ground-floor unit in the same building. Real comps from the MLS, pulled by someone who knows these buildings, is the only way to price accurately.

If you want a real MLS-based valuation for your Clearwater Beach property, I'll pull 3 comps and text them to you within 24 hours, free — no pressure, no commitment. Reach out here.