Zip code 55320: Clearwater, Minnesota

Q: What city is zip code 55320?

55320 is assigned to Clearwater, Minnesota. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 55320 in?

55320 is mostly in Stearns County, but it extends into 1 other county.

Q: What is the population of 55320?

About 5,998 people live in 55320, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 55320?

The median household income in 55320 is $113,973.

Q: What zip codes are near 55320?

The closest zip codes to 55320 are 55380, 55319, 55382, 56304, 56301.

Residential delivery areaStearns CountyCentral Time

Population

5,998

Median household income

$114K

U.S. $81K

Median home value

$355K

U.S. $333K

Median rent

$1,163/mo

U.S. $1,413

Median age

37.5

U.S. 38.9

Land area

49 sq mi

123 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 55320

55320 is a small-town zip code in Clearwater, Minnesota (Stearns County), covering 49 sq mi of land. About 5,998 people live here, or 123 per square mile. The median resident is 37.5 years old, compared with 38.9 nationally.

The median household earns $113,973 a year, 41% above the national median of $80,734. 6.2% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $354,600, or 3.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 84% of occupied homes are lived in by their owners, and renters pay a median of $1,163 a month.

28% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 29.8 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in management; construction and repair; and office and administrative support.

How 55320 compares

Sorted from highest to lowest national percentile

Homeownership rate83.7%
86th
StrengthU.S. 65.2% · MN 72.2%432nd of 851 in MN
Residents under 1826.8%
85th
U.S. 22% · MN 22.9%176th of 854 in MN
Veterans8.7%
83rd
U.S. 6.2% · MN 5.9%218th of 854 in MN
Median household income$113,973
81st
StrengthU.S. $80,734 · MN $89,06276th of 846 in MN
Healthcare workers12%
81st
U.S. 9.7% · MN 10.9%269th of 852 in MN
Per capita income$54,637
79th
U.S. $44,673 · MN $48,23790th of 853 in MN
Average commute29.8 min
73rd
U.S. 26.4 min · MN 22.7 min150th of 849 in MN
Median earnings per worker$56,491
70th
U.S. $49,666 · MN $54,389183rd of 851 in MN
Self-employed workers10.2%
61st
U.S. 10% · MN 9.3%531st of 852 in MN
Income inequality (Gini)0.446
59th
U.S. 0.483 · MN 0.453192nd of 848 in MN
Median home value$354,600
54th
U.S. $332,700 · MN $329,300146th of 842 in MN
Broadband access92.4%
52nd
U.S. 91% · MN 91.6%204th of 851 in MN
Work from home11.8%
45th
U.S. 15.1% · MN 17.6%426th of 852 in MN
Bachelor's degree or higher28.4%
42nd
U.S. 35.7% · MN 39.4%292nd of 854 in MN
Median age37.5
38th
U.S. 38.9 · MN 38.8676th of 854 in MN
Median gross rent$1,163
33rd
U.S. $1,413 · MN $1,280214th of 757 in MN
Tech workers1.9%
31st
U.S. 3.8% · MN 4%350th of 852 in MN
Residents 65 and older14%
30th
U.S. 17.2% · MN 17.3%731st of 854 in MN
Unemployment rate3.7%
28th
U.S. 5.2% · MN 4.1%370th of 853 in MN
Housing vacancy4.5%
28th
U.S. 10.1% · MN 9.3%692nd of 851 in MN
Government workers10.5%
23rd
U.S. 14.5% · MN 12.9%634th of 852 in MN
Rent-burdened renters42.6%
22nd
U.S. 51.1% · MN 48.1%409th of 828 in MN
Poverty rate6.2%
20th
StrengthU.S. 12.5% · MN 9.3%606th of 852 in MN
Population density123/sq mi
15th
U.S. 95/sq mi · MN 72/sq mi230th of 854 in MN
Uninsured rate3%
12th
StrengthU.S. 8.4% · MN 4.7%604th of 853 in MN
Population5,998
10th
U.S. 334,922,499 · MN 5,739,445224th of 854 in MN
Foreign-born residents1.2%
7th
U.S. 14.1% · MN 8.7%548th of 854 in MN
Diversity index13.2
6th
U.S. 61.4 · MN 41.1592nd of 854 in MN

Measure	55320	Stearns	MN	U.S.	National percentile	Rank in MN
Homeownership rateStrength	83.7%	67.9%	72.2%	65.2%	86th	432nd of 851
Residents under 18	26.8%	23.6%	22.9%	22%	85th	176th of 854
Veterans	8.7%	6.3%	5.9%	6.2%	83rd	218th of 854
Median household incomeStrength	$113,973	$77,066	$89,062	$80,734	81st	76th of 846
Healthcare workers	12%	11.5%	10.9%	9.7%	81st	269th of 852
Per capita income	$54,637	$38,286	$48,237	$44,673	79th	90th of 853
Average commute	29.8 min	21.7 min	22.7 min	26.4 min	73rd	150th of 849
Median earnings per worker	$56,491	$45,354	$54,389	$49,666	70th	183rd of 851
Self-employed workers	10.2%	8.8%	9.3%	10%	61st	531st of 852
Income inequality (Gini)	0.446	0.438	0.453	0.483	59th	192nd of 848
Median home value	$354,600	$273,400	$329,300	$332,700	54th	146th of 842
Broadband access	92.4%	90.6%	91.6%	91%	52nd	204th of 851
Work from home	11.8%	10.6%	17.6%	15.1%	45th	426th of 852
Bachelor's degree or higher	28.4%	28.8%	39.4%	35.7%	42nd	292nd of 854
Median age	37.5	35.1	38.8	38.9	38th	676th of 854
Median gross rent	$1,163	$1,068	$1,280	$1,413	33rd	214th of 757
Tech workers	1.9%	2.4%	4%	3.8%	31st	350th of 852
Residents 65 and older	14%	16.1%	17.3%	17.2%	30th	731st of 854
Unemployment rate	3.7%	4.1%	4.1%	5.2%	28th	370th of 853
Housing vacancy	4.5%	7.8%	9.3%	10.1%	28th	692nd of 851
Government workers	10.5%	12.4%	12.9%	14.5%	23rd	634th of 852
Rent-burdened renters	42.6%	49.9%	48.1%	51.1%	22nd	409th of 828
Poverty rateStrength	6.2%	12.9%	9.3%	12.5%	20th	606th of 852
Population density	123/sq mi	120/sq mi	72/sq mi	95/sq mi	15th	230th of 854
Uninsured rateStrength	3%	4.9%	4.7%	8.4%	12th	604th of 853
Population	5,998	160,865	5,739,445	334,922,499	10th	224th of 854
Foreign-born residents	1.2%	7.9%	8.7%	14.1%	7th	548th of 854
Diversity index	13.2	34.4	41.1	61.4	6th	592nd of 854

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

20%

5–17

18–24

14%

25–34

15%

35–44

45–54

17%

55–64

10%

65–74

75+

Median age

37.5

Under 18

26.8%

65 and over

14%

Race and ethnicity

White93%
Black0%
Hispanic3%
Asian0.6%
Native American0.2%
Pacific Islander0%
Other0.3%
Multiracial3%

Diversity index

13.2

U.S. 61.4

Foreign-born

1.2%

U.S. 14.1%

Born in state

85.2%

Language spoken at home (households)

English only

97%

Spanish

Other Indo-European

0.7%

Asian / Pacific

Other

Households

Households: 2,229
Average household size: 2.7
Family households: 72.3%
Married couples: 63.2%
Living alone: 19.1%
Veterans (of adults): 8.7%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

$25–50k

12%

$50–75k

13%

$75–100k

12%

$100–150k

26%

$150–200k

13%

$200k+

18%

Median household income

55320

$113,973

Stearns Co.

$77,066

Minnesota

$89,062

United States

$80,734

Per capita income

$54,637

U.S. $44,673

Poverty rate

6.2%

U.S. 12.5%

Households earning $150K+

30.6%

U.S. 23%

Income inequality (Gini)

0.446

U.S. 0.483

Housing

Median home value

55320

$354,600

Stearns Co.

$273,400

Minnesota

$329,300

United States

$332,700

Median gross rent

55320

$1,163

Stearns Co.

$1,068

Minnesota

$1,280

United States

$1,413

Types of housing

Single-family

87%

2–4 units

0.3%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 2,333
Owner-occupied: 83.7%
Vacant: 4.5%
Median year built: 1995
Median rooms: 7.2
Renters paying 30%+ of income: 42.6%
Renters paying 50%+ of income: 23%
Home value to income: 3.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

82%

Carpooled

Transit

Walked

Bicycle

0.1%

Worked from home

12%

Other

0.2%

Commute time (one way)

<10 min

10–19

16%

20–29

35%

30–44

18%

45–59

60+

13%

Average commute

29.8 min

U.S. 26.4 min

Unemployment

3.7%

U.S. 5.2%

In labor force

74.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

14%

Construction and repair

13%

Office and admin

13%

Healthcare

12%

Sales

Business and finance

Production

Transportation and moving

Food service

Cleaning and personal care

Engineering and science

Education

Police and fire

Computer and math

Legal and social services

Arts, media and sports

0.8%

Farming, fishing and forestry

0.1%

Industries

Health care and social assistance

15%

Manufacturing

14%

Construction

13%

Retail

13%

Restaurants and hotels

Finance, insurance and real estate

Transportation, warehousing and utilities

Education

Public administration

Other services

Professional and technical services

Admin, support and management

Wholesale

Information

Arts and recreation

0.8%

Agriculture and mining

0.6%

Median earnings per worker

$56,491

U.S. $49,666

Self-employed

10.2%

U.S. 10%

Government workers

10.5%

U.S. 14.5%

Nonprofit workers

8.9%

U.S. 8.8%

Median earnings by type of work

Type of work	55320	U.S.
Management, business, science and arts	$80,395	$74,888
Service	$31,719	$26,804
Sales and office	$47,236	$40,476
Construction and maintenance	$68,269	$49,199
Production and transportation	$50,580	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

31%

Some college

21%

Associate's

17%

Bachelor's

20%

Graduate

High school graduate or higher: 97%
Bachelor's degree or higher: 28.4%
Graduate or professional degree: 7.9%
Households with broadband: 92.4%
Cable, fiber or DSL: 73.6%
No internet access: 4.7%
Without health insurance: 3%
Limited-English households: 0%

Geography

City (USPS): Clearwater
State: Minnesota
County: Stearns County
Center point: 45.3963° N, 94.0861° W
Land area: 49 sq mi
Water area: 2.7 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

55320 spans 2 counties

Stearns County59% of land
Wright County41% of land

Cities and towns within this zip

St. Augusta11% of zip
Clearwater3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 55320

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
55380	Silver Creek, MN · PO box	7.6 mi	—	—	—
55319	Clear Lake, MN	8.3 mi	5,185	$111,607	$383,200
55382	South Haven, MN	8.6 mi	3,691	$93,661	$368,100
56304	Saint Cloud, MN	9.4 mi	17,473	$58,148	$251,500
56301	Saint Cloud, MN	9.9 mi	35,580	$73,142	$288,600
55302	Annandale, MN	11 mi	7,326	$83,235	$347,000
55358	Maple Lake, MN	11 mi	5,061	$92,039	$329,500
56387	Waite Park, MN	12 mi	7,756	$59,009	$232,200
56302	Saint Cloud, MN · PO box	12 mi	—	—	—
56372	Saint Cloud, MN · PO box	12 mi	—	—	—
56393	Saint Cloud, MN · PO box	12 mi	—	—	—
56395	Saint Cloud, MN · PO box	12 mi	—	—	—

Zip codes like 55320 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 55320

What city is zip code 55320?

55320 is assigned to Clearwater, Minnesota. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 55320 in?

55320 is mostly in Stearns County, but it extends into 1 other county.

What is the population of 55320?

About 5,998 people live in 55320, according to the Census Bureau's American Community Survey.

What time zone is 55320 in?

55320 is in Central Time.

What is the median household income in 55320?

The median household income in 55320 is $113,973.

What zip codes are near 55320?

The closest zip codes to 55320 are 55380, 55319, 55382, 56304, 56301.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 55320, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.