Clearwater, MN

City in MN, US

By Neilsberg Research

Last updated May 1, 2026

Key Indicators

A quick look at key numbers

Population

1,970

Source: U.S. Census Bureau American Community Survey (ACS) 2020-2024 5-Year Estimates

Median Age

31.1

years ∙ half population younger than 31.1, half older

Diversity Index

13.2%

chance two random people differ in race and ethnicity

Nativity

1.7%

foreign-born population

98.3%Native

1.7% Foreign-born

Geographic Context

Location, size, and surroundings

About

Clearwater is a city within Stearns and Wright counties, Minnesota, United States.

Location

City in MN, US

Co-ordinates

DEC45.409879° N, 94.044560° W

DMS45° 24′ 35.56″ N, 94° 02′ 40.42″ W

Population Density & area

1,101/sq mi (425.5/km²)

Total Area

1.93 sq mi (4.99 km²)

Land Area

1.79 sq mi (4.63 km²) · 92.7%

Water Area

0.14 sq mi (0.36 km²) · 7.3%

Demographics & Living

Who lives here, how households are formed, and community composition

Population Composition

Key characteristics of the population

Sex Distribution

50% male

Male 50%

Female 50%

males per 100 females

Clearwater 100

Minnesota 100.4

United States 98

Nativity

1.7%

foreign-born population

98.3%Native

1.7% Foreign-born

% Foreign-born

Clearwater 1.7%

Minnesota 8.7%

United States 14.1%

Age Distribution

How the population is spread across age groups

Median Age

31.1

years ∙ half population younger than 31.1, half older

Clearwater

31.1

Minnesota

38.8

United States

38.9

Dependency ratio

68.5

dependents per 100 working-age adults

Clearwater 68.5

Minnesota 67.1

United States 64.4

AGE DISTRIBUTION

Distribution of age group

Median age

	Clearwater	Minnesota	United States
Age Group
Children (Under 18)	28.5%	22.9%	22%
Working age (18-64)	59.3%	59.8%	60.8%
Senior (65+)	12.2%	17.3%	17.2%
Dependency ratio
Total dependency ratio	68.5	67.1	64.4
Child dependency ratio	48	38.2	36.1
Old-age dependency ratio	20.5	28.9	28.3

Racial & Ethnic Composition

Racial and ethnic makeup and how it compares

Race & Ethnicity

White

93%

Black

Asian

Hispanic

0.2%

Other

5.8%

Note: White, Black, and Asian refer to individuals belonging to a single race and not of Hispanic origin. Hispanics may be of any race.

Diversity Index

13.2%

chance two random people differ in race and ethnicity

Clearwater 13.2%

Minnesota 41%

United States 61.4%

Note: The Diversity Index (DI), based on the Blau Index, measures the probability that two randomly selected individuals differ in race and ethnicity. Values range from 0 (no diversity) to 1 (high diversity) and are shown as percentages.

RACIAL & ETHNIC COMPOSITION

Race & Ethnicity

Percentage of Clearwater population

Racial and ethnic composition — Clearwater vs Minnesota vs United States. Source: ACS 2020-2024 5-Year Estimates.
	Clearwater	Minnesota	United States
Hispanic or Latino	0.2%	6.4%	19.3%
Mexican	0.2%	3.9%	11.3%
Puerto Rican	0%	0.3%	1.8%
Cuban	0%	0.1%	0.8%
Other Hispanic / Latino	0%	2%	5.5%
Not Hispanic or Latino	99.8%	93.6%	80.7%
One race	94.8%	89.1%	76.4%
White	93%	75.9%	57.4%
Black or African American	0%	6.9%	11.9%
American Indian and Alaska Native	0.2%	0.7%	0.5%
Asian	1%	5.1%	5.9%
Native Hawaiian and Other Pacific Islander	0%	0%	0.2%
Some Other Race	0.6%	0.5%	0.6%
Two or more races (Multiracial)	5%	4.5%	4.3%

Household & Families Composition

Household size, type, and family structure

Household structure

58.8% family

Family 58.8%

Non family 41.2%

% family households

Clearwater 58.8%

Minnesota 62.3%

United States 64.2%

Average household size

2.51

persons per household

Clearwater

2.51

Minnesota

2.43

United States

2.53

Household & Family COMPOSITION

Households

Percentage of Clearwater population

	Clearwater	Minnesota	United States
Total households	784	2,307,955	129,227,496
Average houshold size	2.51	2.43	2.53
Family households	461	1,438,404	82,990,528
Average family size	3.25	3.04	3.14
Married couple family	360	1,129,003	60,637,388
Other families	101	309,401	22,353,140
Male householder	36	102,922	6,572,819
Female householder	65	206,479	15,780,321
Non-family households	323	869,551	46,236,968
One-person households	216	686,475	37,140,836
Male householder	115	320,418	16,871,444
Senior (65+) living alone	36	97,557	5,225,110
Female householder	101	366,057	20,269,392
Senior (65+) living alone	63	186,557	10,089,070
Other living arrangements	107	183,076	9,096,132

Housing Profile

Housing stock, ownership, rentals, and cost burdens

Total housing units

784

housing units

Clearwater 784

Minnesota 2,545,030

United States 143,775,355

Occupancy status

100% occupied

Occupied 100%

Vacant 0%

vacancy rate

Clearwater 0%

Minnesota 9.3%

United States 10.1%

Housing Characteristics

How the housing supply is structured and used

Types of Housing unit

67.1%

Single family houses

67.1%

Apartments in multi-unit structures

32%

Mobile homes

0.9%

Boat, RV, van, etc

Median Year Built

2002

Half of houses were built before 2002, and half after.

Historic ∙ 1939 or earlier

9.4%

Postwar & mid-century ∙ 1940 - 1969

3.4%

Late 20th century ∙ 1970 - 1999

28.5%

Modern ∙ 2000 or later

58.6%

Note: Median year built reflects occupied units only; distribution includes all units.

Housing Characteristics

Units, rooms & bedrooms

Physical characteristics of housing units

	Clearwater	Minnesota	United States
Rooms per unit
Median rooms	5.6	6.1	5.5
1–3 rooms	17.5%	14.9%	15.1%
4–6 rooms	45.6%	41.4%	51.6%
7+ rooms	37%	43.7%	33.4%
Bedrooms
No bedroom / studio	1.3%	2.7%	2.9%
1 bedroom	9.7%	11.4%	10.9%
2 bedrooms	39.5%	24.5%	25%
3 bedrooms	25%	32.2%	38.7%
4+ bedrooms	24.4%	29.1%	22.4%
At a glance
Median year built	2002	1979	1981
Total housing units	784	2,545,030	143,775,355

Occupancy Profile

Who is inside and how they use it

Homeownership

61.9% owners

Renter-occupied 38.1%

Owner-occupied 61.9%

homeownership rate

Clearwater 61.9%

Minnesota 72.2%

United States 65.2%

Average household size

2.87

Owner-occupied

1.93

Renter-occupied

owner-occupied average size

Clearwater 2.87

Minnesota 2.59

United States 2.64

Housing Characteristics

Occupied unit characteristics

Tenure, crowding, and utilities

	Clearwater	Minnesota	United States
Total occupied units	784	2,307,955	129,227,496
Year moved in
2020 or later	36.5%	23.8%	24.8%
2010 to 2019	39%	38.9%	39.6%
2000 to 2009	15.1%	16.1%	16.4%
1999 or earlier	9.4%	21.2%	19.1%
Occupants per room
1.00 or fewer	97.7%	97.7%	96.6%
1.01 to 1.50	2.3%	1.5%	2.2%
1.51 or more	0%	0.8%	1.2%
Vehicles availability
No vehicles	2.3%	6.7%	8.4%
1 vehicle	35.5%	30.8%	33.1%
2 vehicles	29.6%	39.5%	36.6%
3 or more vehicles	32.7%	23.1%	21.9%
House heating fuel used
Gas	67.1%	75.9%	51.4%
Electricity	30.5%	19.4%	41.3%
Solar	0.3%	0.1%	0.3%
Fuel oil, kerosene etc	0.4%	1.3%	3.9%
All other fuels	1.5%	2.5%	2%
No fuel used	0.3%	0.9%	1.2%
Selected characteristics
Lacking complete plumbing	0.4%	0.4%	0.4%
Lacking complete kitchen	0.9%	0.7%	0.8%
No telephone service available	0%	0.7%	0.9%

Housing Value

What owner-occupied units are worth

Median home value

$271,800

owner-occupied units

Median value(USD)

Clearwater

$271,800

Minnesota

$329,300

United States

$332,700

Housing Cost Burden

14.6%

of homeowners with a mortgage are cost-burdened

% Cost-Burdened Households

Owners with a mortgage

14.6%

Owners without a mortgage

20.9%

Renters

33.4%

Note: Households spending 30% or more of their income on housing costs are considered cost-burdened.

Financial characteristics

Property value and housing costs

Tenure, crowding, and utilities

	Clearwater	Minnesota	United States
Property value
Median Value	$271,800	$329,300	$332,700
Under $100,000	6.4%	7.7%	11.4%
$100,000 - $200,000	10.1%	13.3%	15.8%
$200,000 - $300,000	42.7%	22.6%	17.8%
$300,000 - $500,000	40.8%	36.9%	26.9%
$500,000 - $1,000,000	0%	17%	20.9%
$1,000,000 and more	0%	2.6%	7.1%
Owner-occupied households
With a mortgage	77.3%	64%	60.6%
Without a mortgage	22.7%	36%	39.4%
Median monthly owner costs
With a mortgage	$1,835	$1,947	$1,963
Without a mortgage	$605	$698	$638
Gross rent
Median rent	$1,091	$1,280	$1,413

Education Profile

How educated is the community and how education pays off

Adults with a college degree

25.3%

of adults 25+ with a bachelor's degree or higher

Clearwater 25.3%

Minnesota 39.4%

United States 35.7%

Adults without a high school diploma

3.2%

of adults (25+) without a high school diploma

Clearwater 3.2%

Minnesota 6.1%

United States 10.4%

School Enrollment

Who is enrolled in school and at what level

School enrollment

469

population (age 3+) enrolled in school

Nursery / Preschool

4.3%

K–12

91.3%

College / Undergraduate

4.5%

Graduate / Professional

College-going rate (18-24 yr olds)

7.4%

of 18-24-year-olds in college or graduate school

Clearwater

7.4%

Minnesota

39.1%

United States

40.9%

Enrollment & school type

Enrollment levels, college-going rate, and public vs private school split

Population 3+ currently enrolled in a school

	Clearwater	Minnesota	United States
Total enrolled (age 3+)	469	1,385,086	80,089,790
Nursery / preschool	4.3%	6.2%	5.7%
K–12	91.3%	69.9%	67.6%
Kindergarten	18.6%	5.2%	5%
Elementary: Grades 1–4	22.2%	20.6%	19.8%
Elementary: Grades 5–8	28.1%	21.7%	21%
High School: Grades 9–12	22.4%	22.4%	21.7%
College or graduate school	4.5%	23.9%	26.7%
College, undergraduate	4.5%	18.8%	21%
Graduate, professional school	0%	5.1%	5.8%
College-going rate · 18-24 yr olds	7.4%	39.1%	40.9%
School type
Public school	97%	83.3%	82%
Private school	3%	16.7%	18%

Education Attainment by Level & Gender

What is the highest level of education completed among adults

Education attainment

1,328

population 25 years and over

Total adults (25+)

Less than 9th grade

0.6%

9th-12th, no diploma

2.6%

HS graduate

30.9%

Some college no degree

22.1%

Associates degree

18.5%

Bachelors degree

20.5%

Graduate or professional degree

4.8%

Attainment by gender

Male vs Female

Adults (25+) · Share within each education level

% male · % female

Less than 9th grade

0% · 100%

9th-12th, no diploma

77.1% · 22.9%

HS graduate

67.6% · 32.4%

Some college no degree

41.6% · 58.4%

Associates degree

43.5% · 56.5%

Bachelors degree

39% · 61%

Graduate or professional degree

45.3% · 54.7%

Educational Attainment Overview

Distribution and key education attainment rates for adults (25+)

Highest credential completed · adults 25+

	Clearwater	Minnesota	United States
Population (25+)	1,328	3,923,744	230,807,303
Less than 9th grade	0.6%	2.7%	4.7%
9th–12th, no diploma	2.6%	3.4%	5.7%
High school diploma or GED	30.9%	23.3%	26%
Some college, no degree	22.1%	19.5%	19.1%
Associate's degree	18.5%	11.8%	8.8%
Bachelor's degree or higher	25.3%	39.4%	35.7%
Bachelor's degree	20.5%	25.6%	21.6%
Graduate or professional	4.8%	13.8%	14.1%
High School or higher	96.8%	93.9%	89.6%

Earnings by education level

percentage as applicable

Median Earnings

$56,667

Median earnings for adults 25+, by level

Less than HS graduate

$46,250

HS graduate

$51,602

Some college or associates

$59,375

Bachelors degree

$54,510

Graduate or professional degree

$81,667

Poverty Rate

1.5%

for ages 25+, with bachelors degree or higher

Less than HS graduate

11.6%

HS graduate

5.4%

Some college or associates

9.6%

Bachelors degree or higher

1.5%

Outcomes by Education Level

Earnings and poverty rates across education levels (25+)

Adults 25+

	Clearwater	Minnesota	United States
Median earnings
Population 25+, with earnings	$56,667	$58,615	$52,696
Less than high school graduate	$46,250	$36,257	$32,485
High school graduate (includes equivalency)	$51,602	$42,951	$40,153
Some college or associate's degree	$59,375	$51,845	$47,260
Bachelor's degree	$54,510	$73,301	$70,044
Graduate or professional degree	$81,667	$89,644	$90,720
Poverty rates
Less than high school graduate	11.6%	23.7%	24.2%
High school graduate (includes equivalency)	5.4%	12.3%	14.4%
Some college or associate's degree	9.6%	7.8%	9.8%
Bachelor's degree or higher	1.5%	3.2%	4.5%

Insights for Clearwater, by topic

Income By year By race By age By gender

Population By year By race By age By gender

About Neilsberg Research

Neilsberg Research team are data scientists with expertise in processing, analysis and visualization of big data helping small businesses make right decisions.

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