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Clear Lake city, MN

ZIP 55319 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55319

Median Home Value
$349,300
Median Rent
$950
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,244/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

30.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 55319 in Clear Lake city, MN, a household would need roughly $96,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,244. That sits below the local median household income ($111,343), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
96.0%+47% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
13.2%-11% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
32.0%-36% vs US avg
x
Mortgage-Free
28.9%-24% vs US avg
x
$349,300
Home Value
$950
Rent
1990
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached95.5%
  • 1-unit attached1.3%
  • 2-9 units0.9%
  • 10+ units0.6%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$349,300
Median rent$950
Owner-occupied96.0%
Vacant9.5%
Price-to-income3.1x
Est. income to buy$96,000