Clearwater, MN · standard
ZIP Code 55320
Wright County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,973
- 36/sq mi Moderate-density area
- $113,973
- Median income Above-median income area
- $354,600
- Median home value Above-median home value
- 28.4%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Clearwater pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.
- Top 12%
- household income, US ZIPs
- Top 26%
- home value, US ZIPs
- 36
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55320 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 55320 (Clearwater, MN) rose +6.7% from 2023 to 2024. The all-transactions index moved from 234.9 in 2023 to 250.7 in 2024 (2000 = 100).
ZIP code 55320 covers 137.8 square miles in Clearwater, Wright County, Minnesota (a standard USPS delivery area), with a modest 4,973 residents on file, a density of 36 people per square mile, in the Chicago time zone.
ZIP 55320 skews affluent, with a median household income of $113,973 (39% above the average Minnesota ZIP), while per-capita income is $54,637. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.2% and unemployment is 3.7%. Housing is both higher-cost and owner-heavy: median home value is $354,600 (39% above the average Minnesota ZIP), while 83.7% of occupied homes are owner-occupied and median rent is $1,163.
Educational attainment sits below the national norm: 28.4% of adults hold a bachelor's degree or higher, the median age is 37.5, and the average commute is 30 minutes. The page also surfaces 4 ZIP codes within roughly 10 miles and 6 more in Wright County, so 55320 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 55320
Top 5 sectors by establishment count in Clearwater, MN
Which industries have the most business establishments in ZIP 55320.
- Construction
Construction
37 establishments
- Other services (except public administration)
Other services (except public administration)
20 establishments
- Retail trade
Retail trade
18 establishments
- Transportation and warehousing 14
Transportation and warehousing
14 establishments
- Accommodation and food services 10
Accommodation and food services
10 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 55320, Clearwater, MN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
4,973
Population
137.8
Area (sq mi)
36
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55320?
37.5
Median Age
51.4%
Male
48.6%
Female
1.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$113,973
Median Household Income
+39% vs state ZIP avg
$54,637
Per Capita Income
6.2%
Poverty Rate
3.7%
Unemployment Rate
29.8 min
Mean Commute Time
How ZIP 55320 ranks among Minnesota ZIPs
Clearwater, MN household income vs. every Minnesota ZIP code
Median household income among 864 reporting Minnesota ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$113,973 Top 9% higher than 91% of 864 Minnesota ZIPs
Each bar is a $20K-wide band; taller bars hold more Minnesota ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,333housing units
2,333
Total Housing Units
2,229
Occupied Units
104
Vacant Units
2.69
Avg Household Size
Occupancy Type
$354,600
Median Home Value
+39% vs state ZIP avg
$1,163
Median Rent
1995
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+6.7%
YoY Change (2024)
251
HPI Index (2000 = 100)
+151%
Total Change Since 2000
Home values in ZIP 55320 have increased 6.7% over the past year (2024). Since 2000, this ZIP has seen +151% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.3% | 176 |
| 2021 | +11.6% | 197 |
| 2022 | +13.2% | 223 |
| 2023 | +5.6% | 235 |
| 2024 | +6.7% | 251 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 139 business establishments in ZIP 55320, employing approximately 1,670 people with a combined annual payroll of $101,667,000.
139
Businesses
1,670
Employees
$101.7M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 37 | 26.6% |
| Other services (except public administration) | 20 | 14.4% |
| Retail trade | 18 | 12.9% |
| Transportation and warehousing | 14 | 10.1% |
| Accommodation and food services | 10 | 7.2% |
| Professional, scientific, and technical services | 8 | 5.8% |
| Administrative and support and waste management and remediation services | 7 | 5.0% |
| Health care and social assistance | 7 | 5.0% |
| Manufacturing | 5 | 3.6% |
| Finance and insurance | 5 | 3.6% |
| Wholesale trade | 4 | 2.9% |
| Real estate and rental and leasing | 3 | 2.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 55320 vs 56304 →
ZIP 55320 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 56304
Saint Cloud (56304)
16,020 residents
- 55319 5,038
Clear Lake (55319)
5,038 residents
- 55358 4,982
Maple Lake (55358)
4,982 residents
- 55320 4,973
Clearwater (55320)
4,973 residents
- 55382 3,563
South Haven (55382)
3,563 residents
What this shows Among its immediate neighbors, ZIP 55320 ranks #4 by population - useful context the national average alone can't give.
ZIP 55320 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55320
Clearwater (55320)
$113,973 median income
- 55319
Clear Lake (55319)
$111,607 median income
- 55382
South Haven (55382)
$93,661 median income
- 55358
Maple Lake (55358)
$92,039 median income
- 56304
Saint Cloud (56304)
$58,148 median income
What this shows By household income, ZIP 55320 ranks the highest of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 55320, both outside MN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,973 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Wright County
Related Areas
Frequently Asked Questions
What county is ZIP code 55320 in?
ZIP code 55320 (Clearwater) is located in Wright County, Minnesota. Wright County contains multiple ZIP codes, see the full list at /counties/wright-mn.
What is the population of ZIP code 55320?
ZIP code 55320 in Clearwater, MN has a population of 4,973 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55320?
The median household income in ZIP 55320 is $113,973, which is 49% above the national average of $76,288.
What is the average home value in ZIP 55320?
The median home value in ZIP 55320 is $354,600, which is 27% above the national average of $278,155.
What is the demographic makeup of ZIP 55320?
The largest racial group in ZIP 55320 is White at 95.3%. Hispanic or Latino residents make up 2.9% of the population.
How many businesses are in ZIP code 55320?
ZIP code 55320 has 139 business establishments employing approximately 1,670 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55320?
The top industries by establishment count in ZIP 55320 are: Construction (37), Other services (except public administration) (20), Retail trade (18). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 55320?
According to the FHFA House Price Index, home values in ZIP 55320 increased by 6.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 151%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 55320?
In ZIP code 55320, 59.2% of residents aged 25+ have a high school diploma or higher, and 28.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 55320?
The mean commute time for workers in ZIP code 55320 is 29.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 55320?
In ZIP code 55320, approximately 83.7% of occupied housing units are owner-occupied and 16.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55320?
The poverty rate in ZIP code 55320 is 6.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 55320's numbers, next.
- See how ZIP 55320 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Clearwater, MN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.