Census tract · Clay County
Census Tract 205, Clay County, Minnesota
Census Tract 205, GEOID 27027020500, in Clay County, Minnesota, entirely within Moorhead. 5,085 residents in the ACS 2020-2024 5-year estimates (±522); the 2020 Census counted 5,122.
Residents, 2020-2024
5,085
±522 (90% margin)
2020 Census count: 5,122
Median household income
$87,500
±$11,390 (90% margin)
Clay County: $81,172
Median home value
$278,200
±$51,482 (90% margin)
Clay County: $265,500
Median gross rent
$917
±$143 (90% margin)
Clay County: $1,019
Where is Census Tract 205?
Census Tract 205 is one of 16 census tracts in Clay County, Minnesota. It covers 1.78 square miles of land, 2,878 residents per square mile in 2020. Its GEOID, 27027020500, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Moorhead | 100% |
5 census tracts border Census Tract 205: Tract 203 ($53,000), Tract 204 ($33,175), Tract 206 ($67,754), Tract 301.08 ($58,132) and Tract 301.10 ($114,076). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 205?
The 2020-2024 American Community Survey puts Census Tract 205's population at 5,085 (±522) in 2,138 households; the 2020 Census counted 5,122 residents and 2,229 housing units.
| Measure | Tract 205 | Moorhead |
|---|---|---|
| Total population | 5,085 ±522 | 45,036 |
| Households | 2,138 ±172 | 18,508 |
| Average household size | 2.30 ±0.19 | 2.28 |
| Housing units | 2,277 ±198 | 19,184 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 205?
The median resident of Census Tract 205 is 39.8 years old; 22.0% are under 18 and 20.7% are 65 or older. The largest group is non-Hispanic white residents at 90.3%, then non-Hispanic residents of two or more races at 3.7%. 3.6% of residents were born outside the United States.
| Measure | Tract 205 | Moorhead |
|---|---|---|
| Median age | 39.8 ±2.7 | 31.3 |
| Under 18 years | 22.0% ±3.2 pts | 23.0% |
| 65 years and over | 20.7% ±3.2 pts | 12.7% |
| Hispanic or Latino (any race) | 2.6% ±3.2 pts | 5.3% |
| White alone, not Hispanic | 90.3% ±4.1 pts | 80.4% |
| Black or African American alone, not Hispanic | 1.7% ±2.3 pts | 6.0% |
| Asian alone, not Hispanic | 1.4% ±1.0 pts | 2.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.2% ±0.3 pts | 0.8% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.4 pts | 0.1% |
| Two or more races, not Hispanic | 3.7% ±2.4 pts | 5.4% |
| Some other race alone, not Hispanic | 0.0% ±0.4 pts | 0.1% |
| Born outside the United States | 3.6% ±1.9 pts | 5.6% |
| Speak a language other than English at home (age 5+) | 4.8% ±2.6 pts | 8.0% |
| Civilian veterans (age 18+) | 3.9% ±2.3 pts | 5.1% |
| With a disability | 8.8% ±3.8 pts | 13.5% |
| No health insurance coverage | 2.5% ±2.0 pts | 4.1% |
| High school graduate or higher (age 25+) | 99.1% ±1.4 pts | 95.3% |
| Bachelor's degree or higher (age 25+) | 54.2% ±6.7 pts | 41.6% |
| Graduate or professional degree (age 25+) | 19.9% ±6.1 pts | 13.6% |
| Lived in the same house a year earlier | 81.6% ±7.1 pts | 79.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 205 earn?
Half of the 2,138 households in Census Tract 205 earn less than $87,500 a year (±$11,390), against $81,172 across Clay County: 9th highest of the county's 16 tracts with a reliable estimate. 16.0% of residents live below the poverty line.
| Measure | Tract 205 | Moorhead |
|---|---|---|
| Median household income | $87,500 ±$11,390 | $72,761 |
| Mean household income | $107,256 ±$12,308 | $91,695 |
| Per capita income | $44,343 ±$5,900 | $37,546 |
| People below the poverty line | 16.0% ±8.0 pts | 16.1% |
| Children under 18 below the poverty line | 12.5% ±13.4 pts | 15.4% |
| Households receiving SNAP | 2.8% ±3.7 pts | 11.3% |
| Households with a computer | 96.6% ±3.5 pts | 95.7% |
| Households with a broadband subscription | 93.4% ±4.3 pts | 89.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 205?
Owners occupy 74.6% of Census Tract 205's occupied homes and renters 25.4%. The median owner-occupied home is valued at $278,200 by its owner (±$51,482). The median renter pays $917 a month including utilities.
| Measure | Tract 205 | Moorhead |
|---|---|---|
| Median home value (owner-occupied) | $278,200 ±$51,482 | $249,000 |
| Median gross rent | $917 ±$143 | $1,033 |
| Renters paying 35% or more of income on rent | 17.3% ±14.0 pts | 45.3% |
| Median monthly owner costs, with a mortgage | $1,744 ±$528 | $1,807 |
| Owner-occupied homes | 74.6% ±7.7 pts | 58.1% |
| Renter-occupied homes | 25.4% ±7.7 pts | 41.9% |
| Housing units | 2,277 ±198 | 19,184 |
| Single-family detached homes | 58.1% ±6.8 pts | 51.1% |
| Mobile homes | 0.0% ±1.0 pts | 1.0% |
| Built 2020 or later | 1.8% ±2.5 pts | 3.4% |
| Built 2010 to 2019 | 0.0% ±1.0 pts | 15.0% |
| Built 1939 or earlier | 2.6% ±2.0 pts | 6.5% |
| Households with no vehicle | 9.0% ±5.2 pts | 11.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 205 get to work?
76.4% of Census Tract 205's workers drive alone and 10.1% work from home. The average trip to work takes 18.0 minutes.
| Measure | Tract 205 | Moorhead |
|---|---|---|
| In the labor force (age 16+) | 62.1% ±4.9 pts | 70.9% |
| Unemployment rate | 2.2% ±1.9 pts | 5.0% |
| Drove alone to work | 76.4% ±7.0 pts | 73.7% |
| Carpooled | 1.8% ±1.7 pts | 7.1% |
| Public transportation | 2.5% ±2.6 pts | 2.4% |
| Walked | 7.3% ±4.8 pts | 3.0% |
| Worked from home | 10.1% ±4.5 pts | 12.6% |
| Mean travel time to work | 18.0 min ±5.0 | 17.8 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 205 compare with the other tracts in Clay County?
Among Clay County's tracts with a reliable estimate, Census Tract 205 ranks as shown below (1 = highest).
| Measure | In Clay County | In Moorhead |
|---|---|---|
| Population | 5th of 16 | 3rd of 11 |
| Residents per square mile | 5th of 16 | 5th of 11 |
| Median household income | 9th of 16 | 4th of 11 |
| Per capita income | 7th of 16 | 4th of 11 |
| Median home value | 9th of 16 | 5th of 11 |
| Median gross rent | 10th of 16 | 8th of 11 |
| Poverty rate | 6th of 13 | 6th of 8 |
| Bachelor's degree or higher | 1st of 16 | 1st of 11 |
| Median age | 4th of 16 | 2nd of 11 |
| Owner-occupied share | 7th of 16 | 4th of 11 |
The tracts next to it on Clay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 301.11 | 6th | $100,074±$14,888 · within the margin of this tract |
| Tract 302.01 | 7th | $99,451±$7,318 · within the margin of this tract |
| Tract 301.12 | 8th | $90,667±$20,687 · within the margin of this tract |
| Tract 205 | 9th | $87,500±$11,390 |
| Tract 301.09 | 10th | $81,000±$13,055 · within the margin of this tract |
| Tract 206 | 11th | $67,754±$22,176 · within the margin of this tract |
| Tract 303 | 12th | $61,667±$9,504 |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 205?
3 of the 18 figures for Census Tract 205 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections