55320 ZIP Code — Clearwater, MN

Wright County, Minnesota

ZIP code 55320 is located in Clearwater, Minnesota, within Wright County. It covers approximately 48.77 square miles and serves a population of 5,572 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 320.

About ZIP code 55320

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $295,500. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($98,491) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

5,572

population

48.77

sq mi land

Standard

ZIP type

Central (CT)

timezone

55320 ZIP code map

Cities in ZIP code 55320

Below are the cities the US Postal Service accepts for ZIP code 55320. Using any city not on this list may result in mail delivery delays.

City	Status
Clearwater	Acceptable
Clearwater	Preferred

Nearby ZIP codes

55319 Clear Lake (7 mi) 56304 Saint Cloud (8.7 mi) 55382 South Haven (8.8 mi) 55302 Annandale (9.8 mi) 55358 Maple Lake (9.8 mi) 56301 Saint Cloud (11.2 mi) 56301 Saint Cloud (11.2 mi) 56301 Saint Cloud (11.2 mi) 55308 Becker (11.4 mi) 56372 Saint Cloud (12.6 mi) 56399 Saint Cloud (12.6 mi) 56395 Saint Cloud (12.6 mi)

Demographics updated 06/2026

Population
Total population	5,572
Population density	114 / sq mi
State FIPS	27
County FIPS	171

Geography
Land area	48.77 sq mi
Water area	2.69 sq mi
Latitude	45.3933
Longitude	-94.0606
Timezone	Central (CT)
Area code	320

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.9%	26.0%	33.6%
$50k – $100k	38.7%	32.0%	31.5%
$100k – $200k	30.7%	34.4%	26.5%
Over $200k	7.7%	7.7%	8.5%

Demographics & statistics

5,572

Population

114

People per sq mi

39.2

Median age

$98,491

Median household income

$46,867

Per capita income

$295,500

Median home value

$958

Median monthly rent

86.5%

Home ownership

5.3%

Poverty rate

3.2%

Unemployment

1,904

Housing units

29.2%

Bachelor's or higher

Age distribution

Male Female

190

Under 5

185

223

5–9

217

234

10–14

227

160

15–19

155

137

20–24

133

330

25–34

321

379

35–44

369

287

45–54

280

270

55–59

263

189

60–64

184

277

65–74

270

120

75–84

117

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,451	26.0%
18 and over	4,121	74.0%
65 and over	839	15.1%
Median age	39.2 years

Race & ethnicity

White 93.7%

Two or more races 3.1%

Hispanic or Latino 1.6%

Asian 0.7%

Other race 0.5%

American Indian / Alaska Native 0.4%

Group	Count	%
White	5,304	93.7%
Two or more races	178	3.1%
Hispanic or Latino	91	1.6%
Asian	42	0.7%
Other race	28	0.5%
American Indian / Alaska Native	20	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.9%	26.0%	33.6%
$50k – $100k	38.7%	32.0%	31.5%
$100k – $200k	30.7%	34.4%	26.5%
Over $200k	7.7%	7.7%	8.5%

Under $10k 1.8%

$10k–$15k 2.9%

$15k–$25k 3.1%

$25k–$35k 3.6%

$35k–$50k 6.2%

$50k–$75k 18.3%

$75k–$100k 15.1%

$100k–$150k 23.0%

$150k–$200k 15.0%

$200k+ 11.2%

Range	% of households
Under $10k	1.8%
$10k–$15k	2.9%
$15k–$25k	3.1%
$25k–$35k	3.6%
$35k–$50k	6.2%
$50k–$75k	18.3%
$75k–$100k	15.1%
$100k–$150k	23.0%
$150k–$200k	15.0%
$200k+	11.2%
Median income	$98,491

Housing

Home values

Under $50k 1.9%

$50k–$100k 1.7%

$100k–$150k 3.8%

$150k–$200k 7.2%

$200k–$300k 37.2%

$300k–$500k 28.2%

$500k–$1M 15.8%

$1M+ 4.3%

Housing overview

Metric	Value
Median home value	$295,500
Median rent / month	$958
Owner occupied	86.5%
Renter occupied	13.5%
Vacant	7.0%
Single-family detached	84.9%
Large apartment buildings	5.2%
Mobile homes	1.1%
Median rooms	7.0
Avg household size (owned)	2.86

Year built

Era	%
2020 or later	0.7%
2010–2019	7.2%
2000–2009	30.3%
1990–1999	17.2%
1980–1989	10.1%
1970–1979	17.8%
1960–1969	2.3%
1950–1959	2.1%
1940–1949	2.8%
1939 or earlier	9.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	5.3%
2 bedrooms	19.7%
3 bedrooms	35.6%
4 bedrooms	27.1%
5+ bedrooms	10.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.8%
1 vehicle	16.7%
2 vehicles	37.8%
3 or more	44.7%

Heating fuel

Fuel type	%
Utility gas	41.9%
Electricity	21.5%
Propane / LP gas	27.9%
Fuel oil	1.9%
Wood	3.2%
Solar	0.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	1,330	65.7%
Cohabiting couple	190	9.4%
Male householder, no spouse	262	12.9%
Female householder, no spouse	243	12.0%
Households with children under 18	618	30.5%
Households with seniors (65+)	563	27.8%
Average household size	2.75

Marital status

Status	Male	Female
Never married	29.6%	23.9%
Married	62.1%	62.1%
Separated	0.6%	0.7%
Widowed	0.8%	5.3%
Divorced	6.9%	7.9%

Education

Less than 9th grade 1.5%

Some HS, no diploma 3.3%

HS graduate 30.9%

Some college, no degree 21.6%

Associate's degree 13.6%

Bachelor's degree 20.2%

Graduate / professional 9.0%

Metric	%
HS diploma or higher	95.3%
Bachelor's or higher	29.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	124	8.7%
Kindergarten	81	5.7%
Elementary school	719	50.4%
High school	297	20.8%
College / grad school	207	14.5%

Employment

Industry of employment

Education & healthcare 23.4%

Manufacturing 13.6%

Construction 13.3%

Retail trade 12.8%

Finance & real estate 6.4%

Arts, food & hospitality 6.4%

Professional & management 6.3%

Transportation & utilities 5.6%

Other services 3.9%

Public administration 3.4%

Agriculture & mining 3.2%

Information 1.0%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	37.6%
Service	14.4%
Sales & office	19.3%
Natural resources & construction	14.2%
Production & transportation	14.4%

Employment type

Type	%
Private sector	83.3%
Government	9.6%
Self-employed	6.7%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	79.5%
Carpool	6.2%
Public transit	0.0%
Walk	1.5%
Work from home	11.8%
Other means	1.0%
Avg commute (minutes)	28.8

Poverty

All people 5.3%

Under 18 years 7.0%

18 and over 4.7%

Married-couple families 0.3%

Female-led households 40.3%

Income support

Source	% of households
Social Security	28.2%
Retirement income	23.4%
Supplemental Security	3.4%
Cash public assistance	2.7%
Food stamps / SNAP	7.1%

Health indicators

Condition	%
Obesity	33.4%
High blood pressure	25.7%
High cholesterol	27.8%
Diabetes	7.6%
Heart disease	5.0%
Stroke	2.3%
Asthma	8.6%
Arthritis	20.1%
Kidney disease	2.2%
Pulmonary disease	4.6%
Cancer	6.0%

Behavior / access	%
Smoking	17.5%
Binge drinking	22.7%
No physical activity	18.0%
Less than 7 hrs sleep	28.2%
Depression	22.4%
Fair or poor health	9.7%
Poor mental health	13.6%
Poor physical health	8.3%
No health insurance	9.8%
Visited doctor (checkup)	68.1%
Visited dentist	70.5%
Cholesterol screening	88.8%
Teeth loss	9.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	361	8.8%

Disability	%
Any disability	9.2%
Under 18	1.7%
18–64 years	8.1%
65 and over	26.7%

Health insurance coverage

Type	%
Private insurance	82.6%
Public insurance	27.7%
No insurance	3.2%
Uninsured under 19	3.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,197	93.3%
Spanish	44	0.8%
Other Indo-European	9	0.2%
Asian & Pacific Islander	3	0.1%
Other languages	32	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,485	98.4%
Born in same state	5,309	95.3%
Born in different state	4,599	82.5%
Foreign born	176	3.2%
Naturalized citizen	87	1.6%
Not a US citizen	53	60.9%

Ancestry

Ancestry	Count	%
Polish	636	11.4%
Italian	390	7%
Arab	259	4.6%
French	176	3.2%

Ancestry	Count	%
English	76	1.4%
Dutch	49	0.9%
German	25	0.4%
Irish	16	0.3%

Technology access

Metric	% of households
Computer access	36.3%
Internet access	93.6%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 55320

What city is ZIP code 55320 in?

ZIP code 55320 is primarily assigned to Clearwater, Minnesota.

What county is ZIP code 55320 in?

ZIP code 55320 falls within Wright County, Minnesota.

Is ZIP code 55320 mostly owner-occupied?

87% of occupied units in ZIP code 55320 are owner-occupied, well above the national average.

What is the population of ZIP code 55320?

ZIP code 55320 has an estimated population of 5,572 residents, with a density of 114 people per square mile.

What is the median household income in ZIP code 55320?

The median household income in ZIP code 55320 is $98,491, above the national median of ~$75,000.

What is the typical home value in ZIP code 55320?

The median home value in ZIP code 55320 is $295,500.

What timezone is ZIP code 55320 in?

ZIP code 55320 observes the CST timezone.