Clearwater ZIP Codes — Wright County, MN

There is one unique ZIP code in Clearwater, Minnesota and it is 55320. Area code: 320.

ZIP codes

48.77

sq mi land

2.69

sq mi water

320

area code

Clearwater, MN ZIP code map

About Clearwater, MN

Clearwater is a picturesque city located in the state of Minnesota. Positioned within Wright County, it provides a serene environment characterized by natural beauty and community spirit. The city boasts a rich history and is an attractive destination for both residents and visitors alike.

Location & geography

Clearwater, MN is situated approximately 15 miles northwest of the city of St. Cloud, making it conveniently accessible to larger metropolitan areas. Neighboring cities include Monticello, about 6 miles to the southeast, Annandale, roughly 9 miles to the southwest, and Becker, which lies about 7 miles to the north. The city covers a total land area of 48.77 square miles, complemented by a water area of 2.69 square miles, offering a diverse landscape of terrains and waterways.

Community & economy

The character of Clearwater is defined by its close-knit community and vibrant local culture. Residents enjoy a blend of recreational activities and local industries, including agriculture and small businesses, which contribute to the city's economy. Daily life in Clearwater revolves around community events, family-friendly attractions, and the scenic beauty that surrounds them.

Transportation

Clearwater is conveniently accessed via major highways, including Interstate 94, which connects the city to broader regions of Minnesota. The nearest commercial airport is located in St. Cloud, providing air travel options for residents and visitors. Local transportation options primarily consist of personal vehicles and regional bus services.

History

Clearwater was established in the late 19th century and has grown from its agricultural roots into a charming residential community. Key industries have historically included farming and small-scale manufacturing, which have shaped the local economy. Notable events in the city's history include its incorporation in 1892 and the development of the scenic waterways that continue to attract residents and tourists.

Did you know?

One little-known fact about Clearwater is that it was originally named after the nearby Clearwater River, which flows through the area. Additionally, the city's commitment to preserving its natural landscapes has made it a popular spot for outdoor enthusiasts seeking recreational activities.

ZIP codes for Clearwater, MN (1)

ZIP code	City	County	Map
55320	Clearwater	Wright	View map

Demographics & statistics

5,572

Population

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

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%
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	%
High blood pressure	25.7%
High cholesterol	27.8%
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	%
Binge drinking	22.7%
No physical activity	18.0%
Less than 7 hrs sleep	28.2%
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%
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

What ZIP codes does Clearwater, MN have?

Clearwater, MN has one ZIP code: 55320. Each ZIP code serves a distinct delivery area within the city and surrounding region.