Median Income
$70,278
6% lower than US avg
Home Value
$235,100
17% lower than US avg
Violent Crime
410/100K
8% higher than US avg
Bachelor's+
29.7%
12% lower than US avg
Median Rent
$755
35% lower than US avg
Obesity Rate
39.1%
22% higher than US avg
Unemployment
1.3%
64% lower than US avg
Poverty Rate
1.0%
92% lower than US avg
How Clear Lake Compares to the U.S. Average (100% = U.S. avg)
People
Population7,603
Median Age49.2 yrs
Density705/mi²
Male / Female48% / 52%
Largest GroupWhite 95%
Veterans5.9%
Economy
A
Median Income$70,278
Per Capita$55,365
Unemployment1.3%
Poverty1.0%
County GDP$3,729M
Commute19 min
Housing
A+
Home Value$235,100
Rent$755
Ownership74.9%
Zillow$318,177
Housing Units4,373
Rent Burden24.6%
Crime
F
Violent410/100K
Property1,747/100K
Murder0.0/100K
Assault410/100K
Burglary384/100K
Health
Obesity39.1%
Uninsured6.5%
Smoking15.0%
Depression23.0%
Heart Disease5.2%
Climate
Avg Temp46°F (8°C)
AQI43 (Good)
Rain36.3 in/yr
Sunny Days260/yr
Elevation1,229 ft (375 m)
Education
B
Bachelor's+29.7%
High School+96.5%
Graduate+10.2%
School Score5.43
Community
2024 VoteR 55% / D 43%
Commute19 min
Broadband86.2%
EV Stations4
Libraries7
Is Clear Lake a Good Place to Live?
Based on current data, Clear Lake receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include high obesity rates. Clear Lake offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Clear Lake is $70,278, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.3%. Only 1.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 19 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Clear Lake is $235,100, 17% below the national median / offering relatively affordable homeownership. Renters pay a median of $755 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.3x indicates a reasonably affordable housing market.
Safety & Crime
The violent crime rate of 410 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 1,747 per 100,000, near the national average.
Education
29.7% of residents hold a bachelor's degree, below the national average of 33.7%. 96.5% have completed high school. Area schools have an average test score of 5.4/10.
Climate & Weather
Clear Lake experiences four distinct seasons with an average temperature of 46°F. Winters average 16°F in January while summers reach 72°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 36.3 inches, including 44.4 inches of snow. Air quality is rated Good with a median AQI of 43.
Clear Lake has a population of 7,603 with a density of 705 people per square mile, spread across 13.4 square miles. The median age is 49.2 years, 26% older than the national median of 38.9. The gender split is 52.3% female and 47.7% male. The city is predominantly White (95%). English is the primary language spoken at home by 96.1% of residents. 5.9% of the population are veterans. 16.0% of residents have a disability (above the 13.0% national average). 96.2% have health insurance coverage.
Population
49.2yrs
Median Age
26% above US avg
Race & Ethnicity
Clear Lake vs U.S. Average
Language Spoken at Home
English Only
96.1%
22% above US avg
Spanish
3.9%
71% below US avg
Social Characteristics
Clear Lake vs U.S. Average
The median household income in Clear Lake is $70,278, which is 6% below the national average of $75,149. Per capita income is $55,365 (above the $39,052 national figure). The average weekly wage is $1,057, 26% lower than the U.S. average. The unemployment rate is 1.3% (below the 3.6% US average). 1.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,681 business establishments, including 127 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 19 minutes (shorter than the 28-minute US average). 11.0% of workers work from home (below the 15.2% national rate).
Income: Clear Lake vs U.S.
Income
| Median HH Income | $70,278 |
| 6% below US avg |
| Per Capita Income | $55,365 |
| Avg Weekly Wage | $1,057 |
| IRS Avg AGI | $77,990 |
| Gini Index | 0.452 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.3% |
| 64% below US avg |
| Poverty Rate | 1.0% |
| 92% below US avg |
| Establishments (County) | 1,681 |
| County GDP | $3,729M |
Business (County)
| Restaurants | 127 |
| Healthcare | 137 |
| Retail | 211 |
| Manufacturing | 53 |
Tax & Cost of Living
| Property Tax (IRS) | $6,115 |
| 75% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 2.60% |
Commute & Transportation
| Commute Time | 19.0 min |
| Drive Alone | 79.2% |
| Public Transit | 0.6% |
| Work from Home | 11.0% |
The median home value in Clear Lake is $235,100, 17% below the national median of $281,900. Zillow estimates the typical home value at $318,177, higher than the Census estimate. Homes sell for 94.3% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $755 (35% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 74.9% of housing units are owner-occupied (above the 65.4% national rate). There are 4,373 total housing units in the city. The median year a home was built is 1972. The average annual property tax is $6,115 (higher than the $3,500 national average). 24.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.3x.
Home Values
| Census Median | $235,100 |
| 17% below US avg |
| Zillow ZHVI | $318,177 |
| Median List Price | $370,000 |
Real Estate Market (Redfin)
| Median List Price | $370,000 |
| $/Sq Ft | $143 |
| Homes Sold | 7 |
| Sale-to-List Ratio | 94.3% |
| Price Drops | 10.7% |
| Inventory | 56 |
Rental Costs
| Census Median Rent | $755 |
| 35% below US avg |
| Rent Burden | 24.6% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 74.9% |
| Owner-Occupied | 74.9% |
| Renter-Occupied | 25.1% |
| Housing Units | 4,373 |
| Median Year Built | 1972 |
Property Tax
| Avg Tax (IRS) | $6,115 |
| 75% above US avg |
| Effective Rate | 2.60% |
In Clear Lake, 39.1% of adults are obese, above the national rate of 32.1%. 8.9% have diabetes. Heart disease affects 5.2% of residents. 29.5% have high blood pressure. 15.0% are current smokers. 23.2% report binge drinking. 23.0% are physically inactive. 23.0% report depression. 17.4% experience frequent mental distress. 6.5% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:700. The dentist ratio is 1:1,034. 91.8% of residents have access to exercise opportunities. The food environment index is 8.6 out of 10.
Health Metrics: Clear Lake vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.1% |
| 22% above US avg |
| Diabetes | 8.9% |
| Heart Disease | 5.2% |
| High Blood Pressure | 29.5% |
| Asthma | 10.2% |
| COPD | 5.7% |
| Cancer | 7.4% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 15.0% |
| 7% above US avg |
| Binge Drinking | 23.2% |
| Physical Inactivity | 23.0% |
| Depression | 23.0% |
| Mental Distress | 17.4% |
| Physical Distress | 11.5% |
| Short Sleep | 32.5% |
Healthcare Access
| Insurance Rate | 96.2% |
| Uninsured | 6.5% |
| 24% below US avg |
| Primary Care | 1:700 |
| Dentists | 1:1,034 |
| Mental Health | 1:288 |
| Checkup Rate | 74.8% |
| Dental Visits | 66.8% |
| Premature Death | 9,468/100K |
Food & Exercise
| Food Environment | 8.6/10 |
| Exercise Access | 91.8% |
| Healthcare Facilities | 137 |
Clear Lake has a violent crime rate of 410 per 100,000 residents, 8% above the national average of 380. This breaks down to aggravated assault at 410.3 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,747 per 100,000, 11% below the U.S. average. This includes larceny/theft at 1,324, burglary at 384, vehicle theft at 40 per 100,000 residents. The county recorded 3 fatal traffic crashes. Overall, Clear Lake receives a safety grade of F.
Crime Rates: Clear Lake vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 410.3/100K |
| 8% above US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 410.3/100K |
Property Crime
| Total Property | 1,747.2/100K |
| 11% below US avg |
| Burglary | 383.9/100K |
| Theft | 1,323.6/100K |
| Vehicle Theft | 39.7/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 80 |
| Avg Accident Severity | 2.5 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Clear Lake experiences four distinct seasons with an average annual temperature of 46°F (8°C). Winters average 16°F in January while summers reach 72°F in July. The area gets 260 sunny days per year, above the national average. Annual precipitation totals 36.3 inches. The area receives 44.4 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 1,229 feet.
Temperature
16°F Jan (-9°C)
72°F Jul (22°C)
| Annual Average | 45.6°F |
| 16% below US avg |
| January Average | 16°F (-9°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 1,229 ft (375 m) |
| Area | 13.4 sq mi (34.8 km²) |
| Population Density | 705/sq mi |
| Coordinates | 43.1351°N, 93.3737°W |
| Timezone | America/Chicago |
| County | Cerro Gordo County County |
| Nearest Airport | Northeast Iowa Regional (CCY) 39 miles away |
Precipitation & Snow
Annual Rainfall
36.3"
5% below US avg
Wettest Month (Jun)
4.69"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 69.6 / 100 |
| Social Vulnerability | 46.3 / 100 |
| Community Resilience | 92.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively High |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M2.8. Most recent: M2.7 on Jun 30, 2021.
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
128 km |
| Jun 30, 2021 |
4 km E of Rembrandt, Iowa |
M2.7 |
145 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
607 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 52 fatalities, 1,000 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 25, 2008 |
EF5 |
77 km |
9 |
| May 15, 1968 |
EF5 |
46 km |
13 |
| Oct 14, 1966 |
EF5 |
44 km |
6 |
| Jun 17, 2010 |
EF4 |
54 km |
1 |
| May 30, 1989 |
EF4 |
97 km |
0 |
| May 4, 1977 |
EF4 |
92 km |
0 |
| Jul 12, 1971 |
EF4 |
76 km |
0 |
| Jun 8, 1967 |
EF4 |
95 km |
0 |
| Apr 30, 1967 |
EF4 |
25 km |
0 |
| Apr 30, 1967 |
EF4 |
49 km |
5 |
| Apr 30, 1967 |
EF4 |
75 km |
6 |
| Apr 30, 1967 |
EF4 |
39 km |
0 |
| May 5, 1965 |
EF4 |
48 km |
0 |
| Aug 29, 1964 |
EF4 |
74 km |
0 |
| Sep 1, 1961 |
EF4 |
50 km |
0 |
| May 10, 1953 |
EF4 |
14 km |
0 |
| May 10, 1953 |
EF4 |
86 km |
2 |
| Jun 12, 2013 |
EF3 |
38 km |
0 |
| Jun 17, 2010 |
EF3 |
63 km |
0 |
| Jun 17, 2010 |
EF3 |
70 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
16°F (-9°C) |
0.8 in |
Coldest, Driest |
| February |
20°F (-7°C) |
0.8 in |
|
| March |
32°F (0°C) |
1.9 in |
|
| April |
46°F (8°C) |
3.2 in |
|
| May |
59°F (15°C) |
3.9 in |
|
| June |
69°F (20°C) |
4.7 in |
Wettest |
| July |
72°F (22°C) |
4.4 in |
Warmest |
| August |
70°F (21°C) |
4.1 in |
|
| September |
62°F (17°C) |
3.7 in |
|
| October |
50°F (10°C) |
2.4 in |
|
| November |
33°F (1°C) |
1.7 in |
|
| December |
20°F (-7°C) |
1.1 in |
|
Clear Lake has a seasonal temperature swing of 56°F / from 16°F in January to 72°F in July. Total annual precipitation is 32.7 inches, with June being the wettest month (4.7") and January the driest (0.8").
Average costs for common services in Clear Lake. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $690 |
| Toddler | $594 |
| Preschool | $594 |
| Family Childcare (monthly) |
| Infant | $466 |
| Toddler | $458 |
| Preschool | $458 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Clear Lake
What is the population of Clear Lake?
Clear Lake has a population of 7,603 residents and is located in Iowa. The population density is 705 people per square mile, spread across 13.4 square miles. The median age of residents is 49.2 years, which is older than the national median of 38.9 years. The population is 52.3% female and 47.7% male.
Is Clear Lake expensive to live in?
Clear Lake is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $70,278, 6% below the national average of $75,149. The median home value is $235,100 (17% below the U.S. median). Renters pay a median of $755 per month, below the national average of $1,163. The home price-to-income ratio is 3.3x, indicating housing is reasonably affordable relative to local income levels.
Is Clear Lake safe?
The violent crime rate in Clear Lake is 410 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 1,747 per 100,000 (below the national average). Overall, Clear Lake receives a safety grade of F based on combined crime data.
What is the weather like in Clear Lake?
Clear Lake has a four-season climate with an average annual temperature of 46°F (8°C). Winter temperatures average 16°F in January, while summers reach an average of 72°F in July. The area receives 260 sunny days per year, well above the national average of 205. Annual rainfall totals 36.3 inches, with 44.4 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Clear Lake?
The job market in Clear Lake is very strong, with unemployment at just 1.3% / well below the national rate of 3.6%. The average weekly wage is $1,057. There are 1,681 business establishments in the area, including 127 restaurants and food service locations. The average commute time is 19 minutes, and 11.0% of workers work from home.
How much does housing cost in Clear Lake?
The median home value in Clear Lake is $235,100. Zillow estimates the typical home value at $318,177. For renters, the median monthly rent is $755. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 74.9%. The average annual property tax is $6,115.
How are the schools in Clear Lake?
Schools in Clear Lake score 5.4 out of 10 on standardized testing, near the national average. 29.7% of adults in Clear Lake hold a bachelor's degree or higher, below the national average of 33.7%. 96.5% have completed high school. 10.2% hold a graduate or professional degree.
How healthy is Clear Lake?
The obesity rate in Clear Lake is 39.1% (above the national rate of 32.1%). 15.0% of adults are smokers. 23.0% are physically inactive. 23.0% of residents report depression. 6.5% lack health insurance (below the national rate). 91.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:700.
What is transportation like in Clear Lake?
The average commute in Clear Lake is 19 minutes, shorter than the national average of 28 minutes. 79.2% of workers drive alone to work, and 11.0% work from home.
What are the demographics of Clear Lake?
The racial and ethnic makeup of Clear Lake is 95% White. 96.1% of residents speak only English at home, while 3.9% speak Spanish. 5.9% of the population are military veterans. 16.0% of residents have a disability. 96.2% have health insurance coverage.