HomeMinnesotaSherburne CountyClear Lake
Clear Lake, Minnesota: commercial real estate data.
Clear Lake is a Census city of 579 people across 1.04 square miles of land, in Sherburne County. Median household income is $105,625, 84.4 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $2.3 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 area1.04 sq mi
- Water area0.05 sq mi
- Population per square mile of land555 plus or minus 143
- County holding the largest share of its areaSherburne 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
- Population579 plus or minus 149
- Median age32.7
- Population under 18178 plus or minus 53
- Share under 1830.7 percent
- Population 65 and over43 plus or minus 26
- Share 65 and over7.4 percent plus or minus 4.1
- Households199 plus or minus 50
- Family households152 plus or minus 40
- Share of households that are families76.4 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$105,625 plus or minus $29,472
- Per capita income$41,987
- Civilian labor force363 plus or minus 96
- Employed338 plus or minus 80
- Unemployed25 plus or minus 24
- Unemployment rate6.9 percent plus or minus 6.4
- Adults 25 and over372 plus or minus 95
- Adults 25 and over with a high school diploma or higher94.6 percent plus or minus 31.1
- Adults 25 and over with a bachelor degree or higher19.1 percent plus or minus 5.3
- Adults 25 and over with a graduate degree1.6 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
Housing in Clear Lake
- Housing units199 plus or minus 50
- Occupied units199 plus or minus 50
- Vacant units0
- Vacancy rate0.0 percent
- Owner occupied168 plus or minus 40
- Renter occupied31 plus or minus 27
- Ownership rate84.4 percent plus or minus 29.2
- Median owner-occupied home value$281,300
- Median gross rent, monthly$919 plus or minus $254
- Annual rent as a share of median income10.4 percent plus or minus 4.1
- Single family units168 plus or minus 40
- Share single family84.4 percent plus or minus 29.3
- Units in buildings of two or more31 plus or minus 25
- Share in buildings of two or more15.6 percent plus or minus 12.2
- Mobile homes0
- Median year structure built1996
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 commute258 plus or minus 65
- Commuting under 15 minutes54 plus or minus 39
- Share commuting under 15 minutes20.9 percent plus or minus 14.0
- Commuting 30 minutes or more113 plus or minus 31
- Share commuting 30 minutes or more43.8 percent
- Drove alone70.6 percent
- Carpooled5.9 percent plus or minus 3.3
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home23.4 percent plus or minus 9.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clear Lake
SBA loans in Clear Lake (7(a))
- Approvals8
- Gross approval$2,314,900
- Average approval$289,363
- Median approval$186,100
- Largest approval$970,000
- Jobs supported141
- Jobs per approval17.6
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises37.5 percent
- Distinct lenders5
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Clear Lake, in any county, FY2020 to FY2026. Only 2 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)
- Approvals5
- Gross approval$2,597,000
- Average approval$519,400
- Median approval$478,000
- Largest approval$1,112,000
- Jobs supported43
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Clear Lake, 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.
Clear Lake
Flood risk in Clear Lake
- NFIP communityCity of Clear Lake
- NFIP community number270664
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/16/11(M)
The City of Clear Lake participates in the National Flood Insurance Program as community 270664 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.
Sherburne County, not Clear Lake
Sherburne County context, not Clear Lake figures
- Establishments in Sherburne County2,251
- Covered employment, Sherburne County28,090
- Average annual pay, Sherburne County$57,774
- Housing units permitted, Sherburne County334
Every figure in this section is published for Sherburne County as a whole and is not a measurement of Clear Lake.
All Sherburne 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, Minnesota?
579, in 199 households. Clear Lake city covers 1.04 square miles of land, which is 555 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?
Sherburne 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?
$105,625. The median owner-occupied home is valued at $281,300. Median gross rent is $919 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?
8 7(a) approvals totaling $2.3 m since FY2020, across 5 lenders, median approval $186,100, plus 5 504 approvals worth $2.6 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 2 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 270664, 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 Sherburne 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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