Residential delivery area · Minnesota
ZIP Code 55320: Clearwater, MN
ZIP code 55320 uses the postal name Clearwater, Minnesota and lies mostly in Stearns County (59% of its land) with the rest in Wright County (Census 2020 ZIP-county file). About 6,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $113,973 (Census Bureau, ACS 2020-2024). By Census place, its land lies in St. Augusta (11%) and Clearwater (3%); 86% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Clearwater · its only residential ZIP
- County
- Stearns County (59%); Wright County (41%)
- Census places
- St. Augusta (11%); Clearwater (3%)
- Metro area
- St. Cloud, MN
- House district
- MN-6 119th Congress
- State
- Minnesota
- Time zone
- Central
- Land area
- 48.8 sq mi · 123 people per sq mi
Where is ZIP code 55320?
55320 centers on 45.396°, -94.086° and covers 48.8 square miles of land plus 2.7 of water. It borders 6 ZIP codes: 55319, 55382, 56301, 55302, 55358, 55362.
The map draws ZIP code areas only. For the streets inside 55320, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 55320 compare with the rest of Stearns County?
| Measure | 55320 | In Stearns County | In MN |
|---|---|---|---|
| People (ACS 2020-2024) | 5,998 | 10th of 33 | 224th of 881 |
| Median household income | $114k | 1st of 24 | 73rd of 545 |
| Median home value | $355k | 2nd of 24 | 134th of 558 |
Its median household income is higher than in 88% of U.S. residential ZIP codes, and it is denser than 57% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 55320?
The 2020 Census counted 5,072 people in 55320; the ACS, which samples households over 2020-2024, estimates 5,998. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 5,998
- 2020 Census count
- 5,072
- Households
- 2,229
- Median age
- 37.5
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 55320?
Of the 5,998 people the ACS estimates in 55320, 26.8% are under 18 and 14.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (93.1%).
- Under 1826.8%
- 18 to 6459.2%
- 65 and older14.0%
- White, not Hispanic93.1%
- Other or two or more3.5%
- Hispanic or Latino2.9%
- Asian, not Hispanic0.6%
- Black, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 55320 earn?
Median household income is $113,973 (ACS 2020-2024), the highest of the 24 ranked ZIP codes in Stearns County.
- Median household income
- $113,973
- Income per person
- $54,637
- Below the poverty line
- 6.2%
- Unemployed (of the labor force)
- 3.7%
- Adults 25+ with a bachelor's degree
- 28.4%
- Adjusted gross income per tax return, 2022
- $108,0412,750 returns; wages 63% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 55320?
FHFA's house price index for 55320, built from repeat sales and appraisals of the same homes, rose 107% from 2015 to 2025 and rose 59% from 2020 to 2025, and moved +12.3% in 2025.
- Median home value (owners' estimate)
- $354,600
- Median gross rent
- $1,163
- Homes owned by their occupants
- 83.7%
- Housing units
- 2,333
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 55320?
139 business establishments had a location in this ZIP code in 2023, 4 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction37
- Other services (except public administration)20
- Retail trade18
- Transportation and warehousing14
- Accommodation and food services10
- Professional, scientific, and technical services8
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 55320?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 55319 | Clear Lake | 5,185 | $112k | 8.3 mi |
| 55382 | South Haven | 3,691 | $94k | 8.6 mi |
| 56301 | Saint Cloud | 35,580 | $73k | 9.9 mi |
| 55302 | Annandale | 7,326 | $83k | 10.5 mi |
| 55358 | Maple Lake | 5,061 | $92k | 11.3 mi |
| 55362 | Monticello | 20,663 | $92k | 13.3 mi |
| 56304 | Saint Cloud | 17,473 | $58k | 9.4 mi (near) |
| 56387 | Waite Park | 7,756 | $59k | 11.5 mi (near) |
| 55308 | Becker | 10,321 | $107k | 12.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.