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Clearwater
Minnesota

Population

$63K

Median Income

$250K

Median Home

R+39

Politics

Economy

Median Household Income$63K

This county

national avg ~$75K

Poverty Rate10.6%

This county

national avg ~11.5%

Unemployment Rate6.6%

This county

national avg ~3.8%

GDP per Capita$43,122

Federal Spending per Capita$155

Median Individual Earnings$41K

This county

national avg $45K

Professional/Management Workers31.3%

Average Adjusted Gross Income$61K

Avg Credit Score699

Work From Home %8.2%

This county

national avg 17.0%

Population Under 1824.9%

This county

national avg 22.0%

Single-Person Households28.4%

This county

national avg 28.0%

Banks & Finance Firms3

Income (20th Percentile)$25K

Income (80th Percentile)$121K

Income (95th Percentile)$183K

Bachelor's Degree or Higher19.4%

This county

national avg 35.0%

Less Than High School12.4%

This county

national avg 11.0%

Dependency Ratio1.29

Medicare Spending / Person$3,645

SS Benefits / Person$4,211

Education Wage Premium1.76x

Median Earnings (Bachelor's)$56K

Median Earnings (Graduate)$66K

Median Earnings (HS Diploma)$38K

Public Assistance Recipients3.6%

Average Annual Wage$58K

Housing

Median Home Value$248K

This county

$335K state avg

$303K national

Market Rent (ZORI)$753/mo

This county

$1450/mo state avg

$1400/mo national

Property Tax Rate0.78%

This county

1.02% state avg

1.10% national

Annual tax on median home: $1,269

Affordability & Supply

HUD Fair Market Rent (2BR)$973/mo

Home Price Change (1 yr)+9.9%

Home Value to Income Ratio2.0x income

Severely Cost-Burdened Households10.7%

Homeownership Rate81.9%

This county

national avg ~65%

Days on Market (Redfin)— Average pace

27 days

Months of Supply (Redfin)— Low inventory — sellers market

1.1 mo

Sold Above List (Redfin)

14.3%

Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list

96.3%

Source: Redfin · Updated monthly

Health

Life Expectancy75.2 yrs

This county

national avg ~78.5 years

Food Insecurity10.1%

This county

national avg ~11%

Food Environment Index7.1 / 10

This county

higher = better access

Primary Care Shortage Score13

This county

national avg 5

Mental Health Shortage Score19

Dental Care Shortage Score16

Healthcare Shortage Score16.0

Healthcare Offices7

Obesity Rate (BRFSS)34.7%

This county

national avg 32.0%

Smoking Rate (BRFSS)19.4%

This county

national avg 14.0%

Poor Health Rate (BRFSS)19.6%

This county

national avg 18.0%

Physical Inactivity (BRFSS)26.6%

This county

national avg 24.0%

High Blood Pressure (BRFSS)28.8%

This county

national avg 32.0%

Active Physicians3

Nursing Home Rating5.0 / 5

This county

national avg ~3 stars

ER Visits per 1,000 Medicare Patients663 / 1,000

Medicare Cost per Beneficiary$11,891

Uninsured (under 65)8.5%

This county

national avg ~10%

Adults with Depression26.5%

Education

Math Test Scores3.14 grade level

Reading Test Scores2.91 grade level

HS Diploma Holders1,815

Bachelor's Degree Holders636

HS Completion Rate87.6%

This county

national avg ~85%

Safety

Violent Crime Rate3.5 / 1,000

This county

national avg ~4.0

Traffic Fatalities1

Social Vulnerability (CDC SVI)78th pct

Drug Overdose Deaths (2024)10.5 / 100K

Suicide Rate28.4 / 100K

This county

national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-3.0

January Sunshine-0.38

January Temperature-2.26

Average Temp40°F

Avg High Temp51°F

Avg Low Temp30°F

Annual Precipitation22.1 in/yr

Avg Storm Events6.4 storms/yr

Avg Annual Storm Damage$5K

Drought Index (2022)0.25

Heating Degree Days9,159 HDD/yr

This county

national avg ~4,500 HDD/yr

Cooling Degree Days370 CDD/yr

This county

national avg ~1,200 CDD/yr

Heating Degree Days (1901–2000 Baseline)10,222 HDD/yr

Cooling Degree Days (1901–2000 Baseline)300 CDD/yr

Avg Tornadoes / Year0.0

Avg Flood Events / Year0.8

Avg Hail Events / Year2.4

Avg Hurricane Events / Year0.00

Avg Wildfire Events / Year0.0

Avg Winter Storms / Year0.0

Avg Heat Events / Year0.0

Natural Hazard Risk (FEMA)11 / 100

Community Resilience (FEMA)50 / 100

Federal Disaster Declarations16 since 1953

Fine Particulate Pollution (PM2.5)5.5 µg/m³

This county

EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)5 properties

FAA-Registered Airports3 total

Airports (excl. heliports)2 airports

Internet & Remote Work

Download Speed187 Mbps

This county

national avg ~120 Mbps

Upload Speed213 Mbps

Fixed Internet (Q1 2026)199 Mbps

Mobile Internet (Q1 2026)380 Mbps

Mobile Upload (Q1 2026)11 Mbps

Mobile Latency (Q1 2026)31 ms

Households with 100Mbps+99.8%

This county

national avg 75.0%

Cellular-Only Internet10.6%

This county

national avg 8.0%

Fixed Upload Speed (Q1 2026)230 Mbps

Commute & Transit

Remote Workers292 workers

Public Transit Commuters6 workers

Walk to Work188 workers

Extreme Commutes (90+ min)136 workers

Avg Commute Time24.2 min

This county

national avg ~27 min

Walk to Work5.3%

Families & Childcare

Childcare Cost Burden29.7%

This county

national median ~27% of household income

Childcare Centers1.9 per 10K residents

Civic & Community

Voter Turnout70.9%

This county

national avg ~55%

Volunteering Rate1.0%

Income Inequality (Gini)4.913

Nonprofit Organizations64

Veterans Share9.6%

This county

national avg 7.0%

Married Adults53.0%

Never-Married Adults27.9%

Divorced Adults11.1%

Religious Organizations13

Asian Population0.7%

Native American Population6.7%

Membership Associations15.2 per 10K residents

Lifestyle & Services

Full-Service Restaurants1.00 per 1K residents

Nursing & Care Facilities4

Grocery Stores3

Professional Services Firms9

Veterinary Practices3

Debt Burden

Avg Mortgage Balance$68K

Avg Student Loan Balance$9K

Avg Credit Card Balance$4K

Loan Delinquency Rate33.5%

This county

national avg 4.0%

Innovation

Inventor Rate0.21%

Politics

R+39

2024 Presidential · Minnesota was D+4 statewide

vs Minnesota State

Income tax

9.85%Same (state law)

Property tax

0.78%1.02% state avg

Politics

R+39D+4

COL Index

County data95 (state)

Population & Migration

Net Domestic Migration 2023

↑ +45

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.85x avg income)

Economic Mobility

52%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Clearwater County

Median home value: $250K

View on Zillow →View on Realtor.com →

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Local News — Clearwater

USA Rugby · Jun 11, 2026

Women’s U23 All Star Championship ready to bring top talent to Minnesota

Returning in 2026, The USA Rugby Women's All Star Championship this year lands in the Midwest as sev…

St. Cloud Times · 1 month ago

Victor E. Spears Obituary

Victor E. Spears, 99, of Clearwater, Minnesota, passed away peacefully on July 18, 2026, at the St. …

Star Tribune · Jun 21, 2026

Myrna Murphy Ohmann

Clearwater, MN - Myrna Murphy Ohmann, age 86, of rural Clearwater, left this world to join the angel…

WJON · Jun 22, 2026

Clearwater Braces for Two Years of Construction on Highway 24

CLEARWATER (WJON News) -- A two-year road construction project in Clearwater will get underway in Ju…

Daniel Funeral Home & Cremation Service · Apr 27, 2026

Judith A. "Judy" Jarmuzek

Funeral Services will be held at 11:00 a.m. on Friday, May 8, 2026, at Faith Lutheran Church in Mont…

InForum · Jul 1, 2026

He used to be part of the problem. Now this Minnesota conservative fights the hate

CLEARWATER, Minn. — Wilk Wilkinson needs a moment. His stalker is ranting at him again. "I'm sorry, …

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

ClearwaterMinnesota

Clearwater
Minnesota