What is the population of St. Cloud city?

St. Cloud city has 69,926 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #12 of 914 in Minnesota.

What is the median household income in St. Cloud city?

Median household income in St. Cloud city is $61,112 a year, 22.2% below the national figure of $78,538.

How much does it cost to rent or buy in St. Cloud city?

Median gross rent is $1,005 a month and the median home value is $212,800, so rent absorbs about 19.7% of median household income.

Is St. Cloud city affordable compared with the rest of the US?

Homes cost about 3.5× the local median income here versus roughly 3.9× nationally, so St. Cloud city is more affordable to buy in than the typical US market, and rent takes 19.7% of median income against the 30% cost-burden line.

Aerial view of a dense city center, illustrating the US cities ZIP code directory

Minnesota · Census place 56896

St. Cloud, MN population, income and ZIP codes

Quick answer

The population of the city of St. Cloud, Minnesota (St. Cloud, MN — Census place “St. Cloud city”) is 69,926 residents, ranking #12 of 914 places in Minnesota. Median household income is $61,112, the median home is worth $212,800 and median gross rent runs $1,005 a month. Looking for the St. Cloud Minnesota ZIP code list? 3 ZIP codes serve St. Cloud, MN: 56301, 56303, 56304.

Population: 69,926St. Cloud city residents
Median household income: $61,112Past 12 months, inflation adjusted
Median home value: $212,800Owner-occupied units
Median gross rent: $1,005Rent plus utilities, monthly
Median age: 31 yrsAll residents
Homeownership rate: 48.6%Owner-occupied households

St. Cloud ZIP codes (Minnesota)

Census ZCTAs whose delivery area overlaps St. Cloud.

The St. Cloud MN ZIP code list below covers 3 ZIP codes. Open any one for its population, income, housing and rent profile.

What the numbers mean in St. Cloud city

Housing cost measured against local earnings.

A household earning the St. Cloud city median would spend about 19.7% of gross income on the median rent. The 30% mark is the federal threshold for cost burden, so anything above it signals a stretched rental market. The median home costs 3.5× the median household income; nationally that ratio sits near 4.5×. Poverty affects 18.5% of residents and 48.6% of households own their home.

Source: US Census Bureau, ACS 2019-2023 5-year estimates · rates as published for 2019-2023 ACS 5-year

St. Cloud city, MN in context

How this area compares with national benchmarks.

St. Cloud city is a small city in Minnesota, with 69,926 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #12 of 914 ranked by population — larger than 98% of them. The median age here is 31 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in St. Cloud city earn a median of $61,112 a year, 22.2% below the national figure of $78,538 and 19% below the $75,469 median for the 361 Minnesota cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 18.5% of residents here, above the 12.4% national rate.

The typical owner-occupied home in St. Cloud city is valued at $212,800, 29.9% below the national figure and 11% below the $240,400 peer median, while median gross rent runs $1,005 a month, 28.5% below the national figure, or roughly $12,060 across a full year. A household on the local median income would put about 19.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.5×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 48.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

Compare with nearby places

Places of similar size in Minnesota.

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Frequently asked questions

Common questions about this area.

What is the population of St. Cloud city?: St. Cloud city has 69,926 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #12 of 914 in Minnesota.
What is the median household income in St. Cloud city?: Median household income in St. Cloud city is $61,112 a year, 22.2% below the national figure of $78,538.
How much does it cost to rent or buy in St. Cloud city?: Median gross rent is $1,005 a month and the median home value is $212,800, so rent absorbs about 19.7% of median household income.
Is St. Cloud city affordable compared with the rest of the US?: Homes cost about 3.5× the local median income here versus roughly 3.9× nationally, so St. Cloud city is more affordable to buy in than the typical US market, and rent takes 19.7% of median income against the 30% cost-burden line.
How current is this St. Cloud city data?: All figures come from the US Census Bureau American Community Survey 2019-2023 ACS 5-year five-year estimates. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.