HomeMinnesotaCarlton CountyCloquet
Cloquet, Minnesota: commercial real estate data.
Cloquet is a Census city of 12,537 people across 35.22 square miles of land, in Carlton County. Median household income is $61,367, 65.9 percent of occupied homes are owned, and the SBA record carries 27 7(a) approvals to borrowers here worth $11.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cloquet
What Cloquet is
- Census place typecity
- Land area35.22 sq mi
- Water area0.8 sq mi
- Population per square mile of land356
- County holding the largest share of its areaCarlton 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.
Cloquet
How many people live in Cloquet
- Population12,537
- Median age37.4
- Population under 182,853
- Share under 1822.8 percent
- Population 65 and over2,175
- Share 65 and over17.3 percent
- Households5,326
- Family households3,237
- Share of households that are families60.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cloquet
Income and work in Cloquet
- Median household income$61,367
- Per capita income$38,223
- Civilian labor force6,325
- Employed6,069
- Unemployed256 plus or minus 110
- Unemployment rate4.0 percent plus or minus 1.7
- Adults 25 and over8,424
- Adults 25 and over with a high school diploma or higher89.8 percent
- Adults 25 and over with a bachelor degree or higher25.8 percent
- Adults 25 and over with a graduate degree8.0 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cloquet
Housing in Cloquet
- Housing units5,662
- Occupied units5,326
- Vacant units336 plus or minus 188
- Vacancy rate5.9 percent plus or minus 3.3
- Owner occupied3,511
- Renter occupied1,815
- Ownership rate65.9 percent
- Median owner-occupied home value$212,700
- Median gross rent, monthly$1,024
- Annual rent as a share of median income20.0 percent
- Single family units4,257
- Share single family75.2 percent
- Units in buildings of two or more1,201 plus or minus 261
- Share in buildings of two or more21.2 percent plus or minus 4.5
- Mobile homes204 plus or minus 131
- Median year structure built1964
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cloquet
How Cloquet gets to work
- Workers 16 and over who commute5,448
- Commuting under 15 minutes2,784
- Share commuting under 15 minutes51.1 percent
- Commuting 30 minutes or more1,135 plus or minus 249
- Share commuting 30 minutes or more20.8 percent plus or minus 4.4
- Drove alone77.6 percent
- Carpooled8.5 percent plus or minus 3.4
- Public transport0.4 percent plus or minus 0.8
- Walked2.7 percent plus or minus 1.7
- Worked from home8.6 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cloquet
SBA loans in Cloquet (7(a))
- Approvals27
- Gross approval$11,539,600
- Average approval$427,393
- Median approval$190,800
- Ninetieth percentile approval$967,000
- Largest approval$2,485,000
- Jobs supported406
- Jobs per approval15.0
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more29.6 percent
- Share to franchises7.4 percent
- Distinct lenders9
- Distinct industries by NAICS16
Counted by borrower city: approvals to borrowers whose address is in Cloquet, in any county, FY2020 to FY2026. Only 6 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.
Cloquet
SBA loans in Cloquet (504)
- Approvals5
- Gross approval$5,728,000
- Average approval$1,145,600
- Median approval$469,000
- Largest approval$3,882,000
- Jobs supported318
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Cloquet, in any county, FY2010 to FY2026. Only 1 loan has 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.
Cloquet
Flood risk in Cloquet
- NFIP communityCity of Cloquet
- NFIP community number270042
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/13/24
The City of Cloquet participates in the National Flood Insurance Program as community 270042 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.
Carlton County, not Cloquet
Carlton County context, not Cloquet figures
- Establishments in Carlton County708
- Covered employment, Carlton County13,269
- Average annual pay, Carlton County$58,073
- Housing units permitted, Carlton County126
Every figure in this section is published for Carlton County as a whole and is not a measurement of Cloquet.
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
Cloquet questions, answered from the record.
How many people live in Cloquet, Minnesota?
12,537, in 5,326 households. Cloquet city covers 35.22 square miles of land, which is 356 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cloquet in?
Carlton 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 Cloquet?
$61,367. The median owner-occupied home is valued at $212,700. Median gross rent is $1,024 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cloquet businesses?
27 7(a) approvals totaling $11.5 m since FY2020, across 9 lenders, median approval $190,800, plus 5 504 approvals worth $5.7 m since FY2010. These count approvals to borrowers whose address is in Cloquet, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cloquet borrowers get paid back?
No rate is published for Cloquet. Only 6 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 Cloquet in the National Flood Insurance Program?
Yes. Cloquet appears in the FEMA Community Status Book as Cloquet, city of, community 270042, 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 Cloquet figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Carlton 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 Cloquet.
Is zoning published for Cloquet?
No. Nothing on this page presents parcel level zoning.
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