Skip to content

Checked

St. Cloud, MN

City in Stearns County, Minnesota. ZIP codes: 56301, 56303, 56304.

Population

70,629

Land area

40.2sq mi

People per sq mi

1,756

ZIP codes

3

St. Cloud and its ZIP codes

Full map

St. Cloud at a glance

  • St. Cloud is about 24 times as dense as Minnesota as a whole.
  • It is the 12th most populous of 914 cities and towns in Minnesota.
  • Households here earn a median of $61,374 a year, 31% less than the Minnesota figure of $89,062.
  • A typical owner-occupied home is valued at $225,000 (32% below Minnesota) and median rent is $1,003 a month.

Local data for St. Cloud, MN

Counts from official public data

Housing and community stats

St. Cloud, MN, American Community Survey 2020-2024

Full profile

Median household income

$61,374

Poverty rate

20.2%

Median home value

$225,000

Median rent

$1,003/mo

Homeownership

48.6%

Bachelor's or higher

30.4%

Median age

30.6

Average commute

19.8 min

Largest reported origins and ancestries: German Americans (18,711), Irish Americans (5,107), Norwegian Americans (4,320).

Home values and rentsIncome, education and commute

Economy and federal money

Jobs, pay, income and spending are for Stearns County. PPP loans are for St. Cloud.

Details

Unemployment rate

4.8%

Aug 2026, +0.8 pts in a year

Average annual pay

$65,352

87,420 jobs, 2025

Income per person

$64,935

BEA, 2024

Federal spending

$1.1B

FY 2026, $6,978 per person

PPP loans

$186M

2,013 loans, 21,008 jobs reported

Stearns County economyFederal spendingPPP loans

How people get to work

St. Cloud, MN, workers 16 and older. American Community Survey 5-year estimates

  • Drove alone71.9%
  • Carpooled10.5%
  • Public transit2.0%
  • Walked5.4%
  • Bicycle0.5%
  • Taxi, ride-hailing, motorcycle or other1.2%
  • Worked from home8.5%

Average one-way commute: 19.8 minutes for people who do not work from home.

Environment and hazard risk

St. Cloud, MN, from FEMA, NOAA and EPA

Full report

Natural hazard risk

Relatively Moderate

Top: strong wind

Storm events since 1996

897

Countywide, mostly hail

Flood insurance policies

153

0.2% of homes, county

July high / Jan low

82° / 3°F

28.5 inches of rain a year

Hazards, floods and storm historyCheck a flood zone11 historic places

Health statistics

Share of adults in St. Cloud, MN, CDC PLACES estimates

All 40 measures

Obesity

38.9%

U.S. 33.3% +5.6 pts

Diabetes

10.5%

U.S. 12.1% -1.6 pts

Smoking

16.0%

U.S. 12.8% +3.2 pts

Uninsured (18-64)

9.3%

U.S. 11.1% -1.8 pts

ZIP codes in St. Cloud

3 in or overlapping St. Cloud. Population shown

·

Cities near St. Cloud

NameDistanceLand area (sq mi)
Waite ParkCity3.9 mi12.6
St. AugustaCity4.8 mi29.7
Sauk RapidsCity5.2 mi6.3
St. JosephCity6.6 mi9.3
SartellCity6.7 mi10.4
RockvilleCity7.6 mi28.7
ClearwaterCity10 mi1.8
Clear LakeCity10 mi1
St. John's UniversityCensus-designated place11 mi0.7
Cold SpringCity13 mi2.8
St. StephenCity13 mi3.7
FairhavenCensus-designated place14 mi1.9
KimballCity15 mi1.5
AvonCity16 mi1.7
South HavenCity16 mi0.6
RiceCity16 mi5.7

Frequently asked questions

What county is St. Cloud, MN in?
St. Cloud is in Stearns County, Minnesota.
What ZIP codes are in St. Cloud, MN?
ZIP codes in or overlapping St. Cloud include 56301, 56303, 56304.
What is the population of St. Cloud, MN?
About 70,629 people live in St. Cloud, based on American Community Survey 5-year estimates.
What cities are near St. Cloud?
Nearby places include Waite Park (3.9 mi), St. Augusta (4.8 mi), Sauk Rapids (5.2 mi), St. Joseph (6.6 mi), Sartell (6.7 mi).

Source: U.S. Census Bureau (TIGER/Line boundaries, American Community Survey) · Data as of 12/31/2023