Clearwater County, Minnesota home prices
Typical home $248,962 · +11.2% in a year · property tax 0.67%
The typical home in Clearwater County is worth $248,962, 29% less than the Minnesota typical home ($348,778). Values changed +11.2% in the past year and +40.7% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($1,678 on the typical home), versus 1.04% statewide.
Mortgage on the typical Clearwater County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,792 | $199,170 | $1,340 | $0 | $264 | $1,604 | $68,800 |
| 10% down | $24,896 | $224,066 | $1,507 | $93 | $264 | $1,865 | $79,900 |
| 5% down | $12,448 | $236,514 | $1,591 | $99 | $264 | $1,954 | $83,700 |
| 3.5% down (FHA) | $8,714 | $244,453 | $1,644 | $110 | $264 | $2,019 | $86,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Minnesota.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Brown County | $247,202 | +7.2% | 1.03% |
| Itasca County | $246,649 | +0.1% | 0.86% |
| Nobles County | $246,403 | +6.5% | 0.99% |
| Polk County | $253,192 | +5.9% | 1.01% |
| Murray County | $254,869 | +8.2% | 0.79% |
| Saint Louis County | $255,915 | +5.6% | 1.03% |
| Grant County | $241,357 | +6.9% | 0.93% |
| Waseca County | $259,153 | +2.5% | 1.18% |
| Pine County | $261,692 | +5.1% | 0.86% |
| Beltrami County | $263,076 | +2.7% | 0.97% |
Frequently asked questions
What is the average home price in Clearwater County, MN?
The typical home value in Clearwater County is $248,962 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clearwater County?
About $68,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clearwater County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).