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Minnesota

Cost of living in Clearwater County, MN

Estimated monthly cost
$2,766/mo
for a single person, all categories combined

Population 8,579 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $711 26%
Federal tax $488 18%
Healthcare $480 17%
Groceries $340 12%
Transport $320 12%
State tax $190 7%
Energy $187 7%
Water $50 2%

Rent in Clearwater County

Fair Market Rents by bedroom count.

Studio
$640
per month
1 bedroom
$711
per month
2 bedroom
$933
per month
3 bedroom
$1,177
per month
4 bedroom
$1,567
per month

Source: HUD FMR FY2025

Income and earnings in Clearwater County

Annual earnings figures from the Census ACS.

Household income
$64,934
per year
Individual earnings
$39,869
per year
Per capita
$32,682
per year

Source: ACS 2019-2023 5-Year.

Home values in Clearwater County

Average values reported by homeowners.

Average home value
$177,100
Annual property tax
$1,297

Source: ACS 2019-2023 5-Year

Energy costs in Clearwater County

Estimated monthly electricity and gas costs.

Electricity
$124
per month · 15.5¢/kWh
Natural gas
$63
per month
Annual total
$2,244
per year

Source: EIA

Healthcare in Clearwater County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
12.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Clearwater County

State and local tax rates for Minnesota.

State income tax
9.8%
Top marginal rate
State sales tax
6.9%
Combined sales tax
7.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Clearwater County

Commute patterns and estimated costs.

Average commute
26.5 min
Drive alone
77.1%
Public transit
0.6%
Work from home
7.8%

Source: ACS

Monthly cost estimates for Clearwater County

What it costs to live in Clearwater County each month.

Single person
$2,766
per month
  • Rent $711
  • Energy $187
  • Water $50
  • Groceries $340
  • Transport $320
  • Healthcare $480
  • Federal tax $488
  • State tax $190
Couple
$4,129
per month
  • Rent $933
  • Energy $224
  • Water $60
  • Groceries $563
  • Transport $420
  • Healthcare $864
  • Federal tax $733
  • State tax $332
Family
$6,517
per month
  • Rent $1,177
  • Energy $280
  • Water $70
  • Groceries $855
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $733
  • State tax $332

Frequently asked questions about Clearwater County

Common questions about cost of living, rent and salary.

What is the average rent in Clearwater County?

In Clearwater County, MN, a one-bedroom apartment averages $711 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,177 per month, according to HUD Fair Market Rent data.

What is the average salary in Clearwater County?

In Clearwater County, MN, the average household income is $64,934 per year and individual earnings for full-time workers average $39,869 per year, according to U.S. Census Bureau data.

What is the cost of living in Clearwater County?

The estimated cost of living in Clearwater County, MN is approximately $2,766 per month for a single person, $4,129 for a couple, $6,517 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Clearwater County?

The combined sales tax rate in Clearwater County, MN is 7.54%, which includes the Minnesota state rate of 6.88% plus an average local rate of 0.66%.

Is Clearwater County an affordable place to live?

Based on the data, a single person in Clearwater County, MN would need approximately $2,766 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $64,934 per year ($5,411 per month). Clearwater County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Clearwater County?

The ACA marketplace benchmark premium in Clearwater County, MN is approximately $480 per month for an individual. Approximately 12.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Clearwater County?

The average home value in Clearwater County, MN is $177,100, with average annual property taxes of $1,297, according to U.S. Census Bureau data.

How does Clearwater County compare to other areas?

You can compare Clearwater County, MN with any other US county using our comparison tool at /compare. Clearwater County is in Minnesota.

Other counties in Minnesota

Browse the full list of counties in Minnesota, ranked by cost of living.

See all counties in Minnesota

Compare Clearwater County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources