Clearwater, MN demographics:
population, income, and more

Total population
1,970
3.5% year-over-year change
Median household income
$91,346/yr
2.4% year-over-year change
Housing units
784
3.0% year-over-year change

Clearwater population

How many people live in Clearwater

Clearwater is home to 1,970 residents, according to the most recent Census data. Gender-wise, 50% of Clearwater locals are male, and 50% are female.

Total population
1,970
3.5% year-over-year change
Gender ratio
Male
50%
985
Female
50%
985
Value Percent YoY change
Male 985 50% 5.9%
Female 985 50% 1.1%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Clearwater is 31, with the population distributed as follows: about 24.6% are children under 15, then 8% are in the 15 to 24 age group. Adults between 25 and 44 make up 37% of the population, while another 18.2% fall into the 45 to 64 bracket. Finally, around 12.2% are 65 or older.

Median age
31.1
Age breakdown
Under 15
24.6%
15 to 24
8%
25 to 44
37%
45 to 64
18.2%
Over 65
12.2%
Value Percent YoY change
Under 15 484 24.6% 2.5%
15 to 24 158 8% -9.7%
25 to 44 729 37% 5.0%
45 to 64 359 18.2% -3.8%
Over 65 240 12.2% 26.3%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Clearwater, 96.5% of the population are US-born citizens, while 2.5% have gained naturalized citizenship. At the same time, 1% of residents are non-citizens. There’s also a share of 5.2% that includes residents with two or more races.

Citizenship
U.S.-born citizens
96.5%
Non-U.S.-born citizens
2.5%
Non-citizens
1%
Value Percent YoY change
U.S.-born citizens 1,901 96.5% 3.1%
Non-U.S.-born citizens 50 2.5% -2.0%
Non-citizens 19 1% 90.0%
Racial breakdown
White
93%
Black or African American
0%
American Indian and Alaska Native
0.2%
Asian
1%
Native Hawaiian and other Pacific Islander
0%
Two or more races
5.2%
Other
0.6%
Value Percent
White 1,832 93%
American Indian and Alaska Native 4 0.2%
Asian 20 1%
Two or more races 103 5.2%
Other 11 0.6%

Households in Clearwater

A peek inside Clearwater households

Clearwater has 784 households, with an average of 3 members in each. Of these, 58.8% are families, while the remaining 41.2% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
784
4.1% year-over-year change
Average people per household
3
Non-family households
323
Family households
461
Value Percent YoY change
Non-family households 323 41.2% 9.1%
Family households 461 58.8% 0.9%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Clearwater

The housing landscape of Clearwater

Clearwater's housing consists of 784 units, with 55.2% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 11.9% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.9% of the housing landscape.

Housing units
784
3.0% year-over-year change
Housing types
Value Percent
1 unit, detached 433 55.2%
1 unit, attached 93 11.9%
2 units 3 0.4%
5 to 9 units 4 0.5%
10 to 19 units 58 7.4%
20 to 49 units 74 9.4%
50 or more units 112 14.3%
Mobile home 7 0.9%
Homes built since 2020
46
24.3% year-over-year change

The age of buildings in Clearwater

In Clearwater, the median construction year is 2002. About 9.4% of homes were built before the 1940s, with another 0.8% going up by 1949. Most development happened in the second half of the 20th century. Then, 40.2% of homes were added from 2000 to 2009, 12.5% between 2010 and 2019, and 5.9% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 74 9.4% -1.3%
Built between 1940 and 1949 6 0.8% -62.5%
Built between 1950 and 1959 9 1.2% 12.5%
Built between 1960 and 1969 12 1.5% 9.1%
Built between 1970 and 1979 73 9.3% 12.3%
Built between 1980 and 1989 70 8.9% 11.1%
Built between 1990 and 1999 81 10.3% -9.0%
Built between 2000 and 2009 315 40.2% -0.9%
Built between 2010 and 2019 98 12.5% 24.1%
Built in 2020 or later 46 5.9% 24.3%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Clearwater occupancy rates

Out of the 784 occupied housing units in Clearwater, 61.9% are owner-occupied, while 38.1% are lived in by tenants.

Occupied housing units
784
4.1% year-over-year change
Occupancy breakdown
Renter occupied
299
Owner occupied
485
Value Percent YoY
change
Renter occupied 299 38.1% 9.1%
Owner occupied 485 61.9% 1.2%
Unoccupied housing units
0.0%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Clearwater housing costs

Housing costs in Clearwater come to a median of $1,389 per month, while tenants specifically pay a median gross rent of $1,091.

Median housing costs per month
$1,389/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Clearwater
$1,091/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Clearwater

Clearwater education at a glance

About 35.5% of the population in Clearwater went to high school, while 21.4% pursued college studies. Another 18% earned an associate degree and 20% hold a bachelor’s. Meanwhile, 4.5% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 8 0.6% 60.0%
High school diploma 500 35.5% -1.0%
College diploma 301 21.4% 11.1%
Associate degree 254 18% 3.7%
Bachelor's degree 282 20% 1.8%
Graduate degree 64 4.5% 0.0%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Clearwater

How much people earn in Clearwater

The average annual household income in Clearwater was $98,254 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +4.2% change from the previous year. At the same time, the median income stood at $91,346, reflecting a +2.4% shift over the same period.

Average household income in Clearwater
$98,254/year
4.2% year-over-year change
Median household income in Clearwater
$91,346/year
2.4% year-over-year change

Clearwater income by age

In Clearwater, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $110,250. Those with someone between 45 and 64 in charge, often well established professionally, earn $121,458 overall. Overall, 93.6% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $110,250 8.2%
45 - 64 $121,458 7.8%
Over 65 $39,667 -26.9%
Above poverty level
1,829
Below poverty level
125
Value Percent YoY
change
Above poverty level 1,829 93.6% 4.9%
Below poverty level 125 6.4% -7.4%

Average renter income in Clearwater

To get a better sense of what renters earn on average in Clearwater, their median household income was $52,500 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 24.9%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$52,500
Rent-to-income ratio
24.9%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Clearwater

Workforce and job types in Clearwater

The job market in Clearwater is powered by 1,185 working residents, spread across a range of industries and roles. 72.8% of the working population are employed in professional or administrative positions, while 27.2% are in hands-on or service-based jobs. Also, 8.5% run their own businesses, 76.2% are employed by private companies, and 10.1% work in the public sector.

Workforce demographics

Working population
1,185
7.0% year-over-year change
White collar
863
Blue collar
322
Value Percent YoY change
White collar 863 72.8% 7.9%
Blue collar 322 27.2% 4.5%
Employer type
Self employees
8.5%
Private companies
76.2%
Governmental workers
10.1%
Not for profit companies
5.2%
Value Percent YoY change
Self employees 101 8.5% 8.6%
Private companies 903 76.2% 9.4%
Governmental workers 120 10.1% -0.8%
Not for profit companies 61 5.2% -11.6%
Unemployment rate
2.2%
-21.2% year-over-year change

Available workforce

The unemployment rate in Clearwater stands at 2.2%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Clearwater

How people get around in Clearwater

Commuting methods vary: 89.7% of residents travel by personal vehicle and 4% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 1,044 89.7% 5.0%
Walk 47 4% 80.8%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Clearwater by zipcode?

Zipcode Population Number of households Median income Average income
55302 7,326 2,868 $83,235 $107,369
55320 5,998 2,229 $113,973 $147,602
55382 3,691 1,436 $93,661 $121,937

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FAQs about Clearwater demographics 

What is the total population of Clearwater?

Clearwater has a total population of 1,970 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +3.5% compared to a year ago.

What is the gender ratio in Clearwater?

The gender ratio in Clearwater is as follows:
  • 50% males (985 residents)
  • 50% females (985 residents)

What is the median age in Clearwater?

The median age in Clearwater is 31.1.

What is the age distribution of the population in Clearwater?

The age distribution in Clearwater is as follows:
  • Under 15: 24.6% (484 residents)
  • Ages 15-24: 8% (158 residents)
  • Ages 25-44: 37% (729 residents)
  • Ages 45-64: 18.2% (359 residents)
  • Over 65: 12.2% (240 residents)

What is the racial and ethnic makeup of Clearwater?

The racial and ethnic makeup of Clearwater is as follows:
  • White: 93% (1,832 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 0.2% (4 residents)
  • Asian: 1% (20 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 5.2% (103 residents)
  • Other: 0.6% (11 residents)

What percentage of the population in Clearwater are U.S.-born citizens?

U.S.-born citizens represent 96.5% of the population in Clearwater.

How many housing units are there in Clearwater?

There are 784 housing units in Clearwater, reflecting a +3.0% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Clearwater and what is the average household size?

Clearwater has a total of 784 households, with an average of 3 people in each.

What is the median household income in Clearwater?

Clearwater has a median household income of $91,346, representing a +2.4% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Clearwater?

The employment rate is 97.8% in Clearwater, with a workforce of 1,185 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 72.8% (863 residents)
  • Blue-collar workers: 27.2% (322 residents)

Places of employment:
  • Self-employed: 8.5% (101 residents)
  • Private companies: 76.2% (903 residents)
  • Governmental workers: 10.1% (120 residents)
  • Not-for-profit companies: 5.2% (61 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025