HomeMinnesotaWright CountyClearwater
Clearwater, Minnesota: commercial real estate data.
Clearwater is a Census city of 1,970 people across 1.79 square miles of land, lying across Wright County and Stearns County. Median household income is $91,346, 61.9 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $7.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clearwater
What Clearwater is
- Census place typecity
- Land area1.79 sq mi
- Water area0.14 sq mi
- Population per square mile of land1,102
- County holding the largest share of its areaWright County, 96.0 percent
- Counties this place lies inWright County 96.0 percent, Stearns County 4.0 percent
Clearwater crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
How many people live in Clearwater
- Population1,970
- Median age31.1
- Population under 18561
- Share under 1828.5 percent
- Population 65 and over240 plus or minus 51
- Share 65 and over12.2 percent
- Households784
- Family households461
- Share of households that are families58.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
Income and work in Clearwater
- Median household income$91,346 plus or minus $20,573
- Per capita income$39,281
- Civilian labor force1,211
- Employed1,185
- Unemployed26 plus or minus 19
- Unemployment rate2.1 percent plus or minus 1.5
- Adults 25 and over1,328
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent
- Adults 25 and over with a graduate degree4.8 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
Housing in Clearwater
- Housing units784
- Occupied units784
- Vacant units0
- Vacancy rate0.0 percent
- Owner occupied485
- Renter occupied299 plus or minus 71
- Ownership rate61.9 percent
- Median owner-occupied home value$271,800
- Median gross rent, monthly$1,091
- Annual rent as a share of median income14.3 percent plus or minus 3.5
- Single family units526
- Share single family67.1 percent
- Units in buildings of two or more251 plus or minus 64
- Share in buildings of two or more32.0 percent plus or minus 7.4
- Mobile homes7 plus or minus 10
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
How Clearwater gets to work
- Workers 16 and over who commute1,091
- Commuting under 15 minutes171 plus or minus 60
- Share commuting under 15 minutes15.7 percent plus or minus 5.0
- Commuting 30 minutes or more420
- Share commuting 30 minutes or more38.5 percent
- Drove alone85.1 percent
- Carpooled4.6 percent plus or minus 2.1
- Public transport0.0 percent
- Walked4.0 percent plus or minus 3.4
- Worked from home6.3 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Clearwater
SBA loans in Clearwater (7(a))
- Approvals8
- Gross approval$7,059,800
- Average approval$882,475
- Median approval$475,000
- Largest approval$2,667,000
- Jobs supported76
- Jobs per approval9.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises0.0 percent
- Distinct lenders6
- Distinct industries by NAICS5
Counted by borrower city: approvals to borrowers whose address is in Clearwater, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clearwater
SBA loans in Clearwater (504)
- Approvals8
- Gross approval$9,860,000
- Average approval$1,232,500
- Median approval$619,500
- Largest approval$4,042,000
- Jobs supported81
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Clearwater, in any county, FY2010 to FY2026. Only 4 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.
Clearwater
Flood risk in Clearwater
- NFIP communityCity of Clearwater
- NFIP community number270536
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/20/24
The City of Clearwater participates in the National Flood Insurance Program as community 270536 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.
Wright County, not Clearwater
Wright County context, not Clearwater figures
- Establishments in Wright County3,680
- Covered employment, Wright County48,758
- Average annual pay, Wright County$55,999
- Housing units permitted, Wright County1,264
Every figure in this section is published for Wright County as a whole and is not a measurement of Clearwater.
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
Clearwater questions, answered from the record.
How many people live in Clearwater, Minnesota?
1,970, in 784 households. Clearwater city covers 1.79 square miles of land, which is 1,102 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Clearwater in?
Clearwater lies in more than one. By area it is 96.0 percent in Wright County, 4.0 percent in Stearns County. This page sits under Wright County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Clearwater?
$91,346. The median owner-occupied home is valued at $271,800. Median gross rent is $1,091 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Clearwater businesses?
8 7(a) approvals totaling $7.1 m since FY2020, across 6 lenders, median approval $475,000, plus 8 504 approvals worth $9.9 m since FY2010. These count approvals to borrowers whose address is in Clearwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Clearwater borrowers get paid back?
No rate is published for Clearwater. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Clearwater in the National Flood Insurance Program?
Yes. Clearwater appears in the FEMA Community Status Book as Clearwater, city of, community 270536, 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 Clearwater figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Wright 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 Clearwater.
Is zoning published for Clearwater?
No. Nothing on this page presents parcel level zoning.
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