Is Clearwater, MN 55320 a buyer’s or seller’s market?

The Clearwater housing market right now

In the three months ending August 31, 2026, 23% of homes in Clearwater, MN 55320 sold above their list price, the typical home went under contract in 23 days and there were 2.1 months of supply. Under four months of supply means sellers have the edge: expect competition for well-priced homes. That’s based on 27 home sales.

Compared with the same period a year earlier, the share selling over asking fell from 28%, homes sold faster (40 days then) and the median sale price rose 4% to $342,252. Overall, Clearwater is about as competitive as it was a year ago.

Within Stearns County, homes here sell faster than in 55% of the county’s ZIP codes, and sell less often over asking than in 60%. On our competition score, Clearwater ranks #177 of 296 MN ZIP codes with enough sales (score 64 out of 100).

Nearby, buyers who want less competition could look at Saint Stephen 56375 (0% sold over asking) or New Munich 56356 (0% sold over asking), while Holdingford 56340 (38% sold over asking) and Cold Spring 56320 (36% sold over asking) are even more competitive.