Housing data for St. Cloud, MN
St. Cloud, MN has an estimated 70,629 residents and 29,762 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a city in Stearns County.
51.4% of households rent.
The median gross rent is $1,003 a month.
Its population grew measurably since 2015–2019 (+3.9%).
Figures last updated on .
- Residents
- 70,629 (±45)
- Housing units
- 29,762 (±750)
- Households that rent
- 51.4%
- Median gross rent
- $1,003
- Residents since 2015–2019
- +3.9%
What stands out in St. Cloud
Households that rent: 51.4% (±2.5 points) in St. Cloud, higher than in Stearns County (32.1%).
Homes in buildings of 5 or more units: 38.6% (±2.9 points) in St. Cloud, higher than in Stearns County (22.4%).
Households without a vehicle: 9.4% (±1.8 points) in St. Cloud, higher than in Stearns County (6.0%).
Households that moved in since 2020: 35.6% (±2.5 points) in St. Cloud, higher than in Stearns County (26.6%).
- Renters and owners in St. Cloud
- Types of homes in St. Cloud
- Commute and cars in St. Cloud
- How long people stay in St. Cloud
Housing in St. Cloud at a glance
- Median rent: $1,003 median gross rent a month
- Rent by bedrooms: $1,060 median gross rent, 2 bedrooms
- Rent burden: 47.5% of renters pay 30% or more of income
- Renters and owners: 51.4% of households rent
- Income and affordability: $61,374 median household income
- Home values: $225,000 median home value
- Homeowner costs: $1,530 median monthly cost with a mortgage
- Property taxes: $2,320 median real estate taxes a year
- Types of homes: 38.6% of homes are in buildings of 5 or more units
- Bedrooms: 51.9% of homes have 3 or more bedrooms
- Age of homes: 48.4% of homes were built before 1980
- Vacancy rate: 5.1% rental vacancy rate
- Heating fuel: 55.3% heat with utility gas
- Commute and cars: 19.8 minutes average trip to work
- Crime reported to police: 361 violent crimes per 100,000 residents
- Growth: +3.9% residents since 2015–2019
- How long people stay: 35.6% moved in since 2020
- Crowding and facilities: 5.7% of homes have more than 1 person per room
St. Cloud against Stearns County, its state and the nation
| St. Cloud | Stearns County | Minnesota | United States | |
|---|---|---|---|---|
| Residents | 70,629 (±45) | 160,865 (exact) | 5,739,445 (exact) | 334,922,499 |
| Housing units | 29,762 (±750) | 66,625 (±93) | 2,545,030 (±1,535) | 143,775,355 |
| Households that rent | 51.4% (±2.5 points) | 32.1% (±1.1 points) | 27.8% (±0.2 points) | 34.8% |
| Median gross rent | $1,003 (±$44) | $1,068 (±$42) | $1,280 (±$7) | $1,413 |
| Median household income | $61,374 (±$4,054) | $77,066 (±$1,832) | $89,062 (±$409) | $80,734 |
| Median home value | $225,000 (±$6,877) | $273,400 (±$5,311) | $329,300 (±$903) | $332,700 |
| Median real estate taxes (a year) | $2,320 (±$100) | $2,742 (±$53) | $3,357 (±$10) | $3,119 |
| Built before 1980 | 48.4% (±3.3 points) | 44.2% (±1.7 points) | 52.1% (±0.3 points) | 49.7% |
| Average commute | 19.8 minutes (±1.4) | 21.7 minutes (±0.7) | 22.7 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 91.6% (±1.1 points) | 90.6% (±0.7 points) | 91.6% (±0.1 points) | 91.0% |
| Median age of residents | 30.6 years (±0.7) | 35.1 years (±0.2) | 38.8 years (±0.1) | 38.9 years |
St. Cloud covers 40.2 square miles of land, about 1,756 residents per square mile (Census Bureau Gazetteer).
How St. Cloud has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 68,001 (±72) | 70,629 (±45) | +3.9% | Measurable increase |
| Housing units | 27,705 (±651) | 29,762 (±750) | +7.4% | Measurable increase |
| Median gross rent | $802 (±$26) | $1,003 (±$44) | +25.1% | No measurable change after inflation |
| Median home value | $155,500 (±$3,122) | $225,000 (±$6,877) | +44.7% | Up after inflation |
| Median household income | $49,135 (±$2,012) | $61,374 (±$4,054) | +24.9% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,245 (±$37) | $1,530 (±$54) | +22.9% | No measurable change after inflation |
| Median real estate taxes | $1,721 (±$61) | $2,320 (±$100) | +34.8% | Up after inflation |
| Households that rent | 50.0% (±1.7 points) | 51.4% (±2.5 points) | +1.4 percentage points | Not a measurable change |
| Rental vacancy rate | 2.9% (±1.4 points) | 5.1% (±1.7 points) | +2.2 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in St. Cloud
In 2025, the St. Cloud Police Department reported 361 violent and 2,521 property crimes per 100,000 residents to the FBI.
ZIP codes in St. Cloud
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 56303 | 86% | 25,827 | $927 | $205,200 | $65,198 |
| 56301 | 29% | 35,580 | $1,151 | $288,600 | $73,142 |
| 56304 | 14% | 17,473 | $956 | $251,500 | $58,148 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near St. Cloud
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Waite Park | 3.5 mi | $1,117 | $219,400 | 48.7% |
| Haven Township | 4.7 mi | $1,938 | $346,800 | 4.8% |
| Sauk Rapids | 4.8 mi | $964 | $256,100 | 38.8% |
| St. Augusta | 5.4 mi | — | $388,400 | 8.9% |
| Sartell | 6.6 mi | $1,275 | $297,300 | 38.2% |
| St. Joseph | 6.9 mi | $1,136 | $237,700 | 36.0% |
| Sauk Rapids Township | 7.3 mi | $825 | $338,000 | 7.6% |
| St. Joseph Township (Stearns County) | 7.8 mi | $870 | $416,000 | 6.2% |
Places in Minnesota most like St. Cloud
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Bemidji | $1,067 | $198,300 | $55,405 | 56.9% |
| Alexandria | $934 | $275,300 | $61,374 | 42.6% |
| Moorhead | $1,033 | $249,000 | $72,761 | 41.9% |
| Waite Park | $1,117 | $219,400 | $59,285 | 48.7% |
| Mankato | $1,132 | $261,700 | $66,873 | 50.0% |
| Ulen | $903 | $174,300 | $60,556 | 40.7% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Minnesota.
HUD Fair Market Rent for St. Cloud, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $884 | $961 | $1,233 | $1,656 | $1,961 |
HUD income limits for St. Cloud, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $22,550 | $37,500 | $60,000 |
| 2 people | $25,750 | $42,850 | $68,600 |
| 3 people | $28,950 | $48,200 | $77,150 |
| 4 people | $33,000 | $53,550 | $85,700 |
| 5 people | $38,680 | $57,850 | $92,600 |
| 6 people | $44,360 | $62,150 | $99,450 |
| 7 people | $50,040 | $66,450 | $106,300 |
| 8 people | $55,720 | $70,700 | $113,150 |
These are the limits HUD sets for its housing programs in the St. Cloud, MN MSA, where HUD’s median family income for fiscal year 2026 is $107,100.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about St. Cloud
What is the average rent in St. Cloud, MN?
The Census Bureau publishes the median rather than the average: the median gross rent in St. Cloud is $1,003 (±$44) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How much is a one-bedroom apartment in St. Cloud?
The median gross rent for a one-bedroom home in St. Cloud, MN is $888 (±$40) a month (2020–2024 American Community Survey).
Are renters in St. Cloud rent-burdened?
47.5% of renting households in St. Cloud pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in St. Cloud?
St. Cloud has an estimated 14,302 (±860) renting households, 51.4% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in St. Cloud?
The median household income in St. Cloud is $61,374 (±$4,054) a year (2020–2024 American Community Survey).
What is the average home value in St. Cloud, MN?
The Census Bureau publishes the median: $225,000 (±$6,877) for owner-occupied homes in St. Cloud (2020–2024 American Community Survey).
Is St. Cloud growing?
In St. Cloud, the number of residents went from 68,001 in 2015–2019 to 70,629 in 2020–2024 (+3.9%), a measurable increase.
What ZIP codes are in St. Cloud?
The ZIP codes that cover St. Cloud are 56303, 56301, 56304.
What is the median rent in ZIP code 56303?
The median gross rent in ZIP Code Tabulation Area 56303 is $927 (±$54) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — St. Cloud city, Minnesota
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — St. Cloud city, Minnesota
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — St. Cloud city, Minnesota
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — St. Cloud city, Minnesota
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — St. Cloud city, Minnesota
- Total Population (B01003), 2015–2019 ACS 5-year estimates — St. Cloud city, Minnesota
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — St. Cloud city, Minnesota
- HUD Fair Market Rents, fiscal year 2027: St. Cloud, MN MSA
- HUD Income Limits, fiscal year 2026: St. Cloud, MN MSA
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- FBI Uniform Crime Reporting Program, Crime Data Explorer: St. Cloud Police Department (ORI MN0730400)
- FBI: Uniform Crime Reporting statistics and their proper use
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for St. Cloud city, Minnesota (place:56896, in state:27).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .