HomeIowaCerro Gordo CountyClear Lake
Clear Lake, Iowa: commercial real estate data.
Clear Lake is a Census city of 7,607 people across 10.78 square miles of land, in Cerro Gordo County. Median household income is $79,415, 76.3 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $9.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clear Lake
What Clear Lake is
- Census place typecity
- Land area10.78 sq mi
- Water area2.59 sq mi
- Population per square mile of land706
- County holding the largest share of its areaCerro Gordo County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
How many people live in Clear Lake
- Population7,607
- Median age49.1
- Population under 181,322
- Share under 1817.4 percent
- Population 65 and over2,089
- Share 65 and over27.5 percent
- Households3,519
- Family households2,006
- Share of households that are families57.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
Income and work in Clear Lake
- Median household income$79,415
- Per capita income$56,397 plus or minus $12,908
- Civilian labor force3,932
- Employed3,836
- Unemployed96 plus or minus 70
- Unemployment rate2.4 percent plus or minus 1.8
- Adults 25 and over5,828
- Adults 25 and over with a high school diploma or higher97.9 percent
- Adults 25 and over with a bachelor degree or higher30.5 percent
- Adults 25 and over with a graduate degree10.7 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
Housing in Clear Lake
- Housing units4,470
- Occupied units3,519
- Vacant units951 plus or minus 201
- Vacancy rate21.3 percent plus or minus 4.4
- Owner occupied2,685
- Renter occupied834 plus or minus 187
- Ownership rate76.3 percent
- Median owner-occupied home value$259,500
- Median gross rent, monthly$808
- Annual rent as a share of median income12.2 percent
- Single family units3,066
- Share single family68.6 percent
- Units in buildings of two or more1,062 plus or minus 262
- Share in buildings of two or more23.8 percent plus or minus 5.8
- Mobile homes342 plus or minus 133
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
How Clear Lake gets to work
- Workers 16 and over who commute3,366
- Commuting under 15 minutes1,439
- Share commuting under 15 minutes42.8 percent
- Commuting 30 minutes or more750 plus or minus 225
- Share commuting 30 minutes or more22.3 percent plus or minus 6.4
- Drove alone79.3 percent
- Carpooled6.0 percent plus or minus 2.5
- Public transport1.2 percent plus or minus 1.1
- Walked2.4 percent plus or minus 1.7
- Worked from home10.2 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
SBA loans in Clear Lake (7(a))
- Approvals12
- Gross approval$9,664,800
- Average approval$805,400
- Median approval$207,500
- Largest approval$4,400,000
- Jobs supported115
- Jobs per approval9.6
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises8.3 percent
- Distinct lenders4
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Clear Lake, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clear Lake
SBA loans in Clear Lake (504)
- Approvals9
- Gross approval$4,863,000
- Average approval$540,333
- Median approval$458,000
- Largest approval$1,370,000
- Jobs supported72
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Clear Lake, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clear Lake
Flood risk in Clear Lake
- NFIP communityCity of Clear Lake
- NFIP community number190059
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/15/22
The City of Clear Lake participates in the National Flood Insurance Program as community 190059 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cerro Gordo County, not Clear Lake
Cerro Gordo County context, not Clear Lake figures
- Establishments in Cerro Gordo County1,357
- Covered employment, Cerro Gordo County23,531
- Average annual pay, Cerro Gordo County$54,949
- Housing units permitted, Cerro Gordo County52
Every figure in this section is published for Cerro Gordo County as a whole and is not a measurement of Clear Lake.
All Cerro Gordo County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Clear Lake questions, answered from the record.
How many people live in Clear Lake, Iowa?
7,607, in 3,519 households. Clear Lake city covers 10.78 square miles of land, which is 706 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clear Lake in?
Cerro Gordo County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Clear Lake?
$79,415. The median owner-occupied home is valued at $259,500. Median gross rent is $808 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Clear Lake businesses?
12 7(a) approvals totaling $9.7 m since FY2020, across 4 lenders, median approval $207,500, plus 9 504 approvals worth $4.9 m since FY2010. These count approvals to borrowers whose address is in Clear Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clear Lake borrowers get paid back?
No rate is published for Clear Lake. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Clear Lake in the National Flood Insurance Program?
Yes. Clear Lake appears in the FEMA Community Status Book as Clear Lake, city of, community 190059, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Clear Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cerro Gordo County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Clear Lake.
Is zoning published for Clear Lake?
No. Nothing on this page presents parcel level zoning.
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