St. Cloud, MN demographics:
population, income, and more

Total population
70,629
1.0% year-over-year change
Median household income
$61,374/yr
0.4% year-over-year change
Housing units
29,762
0.6% year-over-year change

St. Cloud population

How many people live in St. Cloud

St. Cloud is home to 70,629 residents, according to the most recent Census data. Gender-wise, 50.9% of St. Cloud locals are male, and 49.1% are female.

Total population
70,629
1.0% year-over-year change
Gender ratio
Male
50.9%
35,967
Female
49.1%
34,662
Value Percent YoY change
Male 35,967 50.9% 0.7%
Female 34,662 49.1% 1.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in St. Cloud is 31, with the population distributed as follows: about 18.5% are children under 15, then 22.2% are in the 15 to 24 age group. Adults between 25 and 44 make up 27.4% of the population, while another 18.5% fall into the 45 to 64 bracket. Finally, around 13.3% are 65 or older.

Median age
30.6
Age breakdown
Under 15
18.5%
15 to 24
22.2%
25 to 44
27.4%
45 to 64
18.5%
Over 65
13.3%
Value Percent YoY change
Under 15 13,081 18.5% 2.8%
15 to 24 15,714 22.2% 1.2%
25 to 44 19,341 27.4% 3.8%
45 to 64 13,080 18.5% -2.4%
Over 65 9,413 13.3% -2.4%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In St. Cloud, 85.4% of the population are US-born citizens, while 8.3% have gained naturalized citizenship. At the same time, 6.3% of residents are non-citizens. As for race, 66.3% of locals are Caucasian, 19.9% are African American and 4.1% have Asian roots. There’s also a share of 7.4% that includes residents with two or more races.

Citizenship
U.S.-born citizens
85.4%
Non-U.S.-born citizens
8.3%
Non-citizens
6.3%
Value Percent YoY change
U.S.-born citizens 60,303 85.4% -0.1%
Non-U.S.-born citizens 5,847 8.3% -1.5%
Non-citizens 4,479 6.3% 23.5%
Racial breakdown
White
66.3%
Black or African American
19.9%
American Indian and Alaska Native
0.3%
Asian
4.1%
Native Hawaiian and other Pacific Islander
0%
Two or more races
7.4%
Other
1.8%
Value Percent
White 46,840 66.3%
Black or African American 14,072 19.9%
American Indian and Alaska Native 219 0.3%
Asian 2,895 4.1%
Native Hawaiian and other Pacific Islander 36 0%
Two or more races 5,259 7.4%
Other 1,308 1.8%

Households in St. Cloud

A peek inside St. Cloud households

St. Cloud has 27,807 households, with an average of 2 members in each. Of these, 51.5% are families, while the remaining 48.5% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
27,807
0.2% year-over-year change
Average people per household
2
Non-family households
13,498
Family households
14,309
Value Percent YoY change
Non-family households 13,498 48.5% 0.6%
Family households 14,309 51.5% -0.2%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in St. Cloud

The housing landscape of St. Cloud

St. Cloud's housing consists of 29,762 units, with 50.2% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.5% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.9% of the housing landscape.

Housing units
29,762
0.6% year-over-year change
Housing types
Value Percent
1 unit, detached 14,933 50.2%
1 unit, attached 1,331 4.5%
2 units 753 2.5%
3 or 4 units 998 3.4%
5 to 9 units 884 3%
10 to 19 units 2,914 9.8%
20 to 49 units 3,936 13.2%
50 or more units 3,755 12.6%
Mobile home 258 0.9%
Homes built since 2020
615
118.9% year-over-year change

The age of buildings in St. Cloud

In St. Cloud, the median construction year is 1981. About 11.6% of homes were built before the 1940s, with another 4.3% going up by 1949. Most development happened in the second half of the 20th century. Then, 16.5% of homes were added from 2000 to 2009, 8.3% between 2010 and 2019, and 2.1% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 3,446 11.6% 1.3%
Built between 1940 and 1949 1,283 4.3% -13.4%
Built between 1950 and 1959 2,082 7% 6.9%
Built between 1960 and 1969 2,929 9.8% 0.4%
Built between 1970 and 1979 4,673 15.7% -5.4%
Built between 1980 and 1989 3,872 13% -8.0%
Built between 1990 and 1999 3,478 11.7% 1.4%
Built between 2000 and 2009 4,918 16.5% 8.6%
Built between 2010 and 2019 2,466 8.3% 1.2%
Built in 2020 or later 615 2.1% 118.9%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

St. Cloud occupancy rates

Out of the 27,807 occupied housing units in St. Cloud, 48.6% are owner-occupied, while 51.4% are lived in by tenants. Meanwhile, 6.6% of all homes on the local market sit vacant.

Occupied housing units
27,807
0.2% year-over-year change
Occupancy breakdown
Renter occupied
14,302
Owner occupied
13,505
Value Percent YoY
change
Renter occupied 14,302 51.4% 0.4%
Owner occupied 13,505 48.6% 0.1%
Unoccupied housing units
6.6%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

St. Cloud housing costs

Housing costs in St. Cloud come to a median of $1,067 per month, while tenants specifically pay a median gross rent of $1,003.

Median housing costs per month
$1,067/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in St. Cloud
$1,003/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in St. Cloud

St. Cloud education at a glance

About 30.2% of the population in St. Cloud went to high school, while 30.3% pursued college studies. Another 10.1% earned an associate degree and 17.6% hold a bachelor’s. Meanwhile, 7.8% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 2,186 4% -5.3%
High school diploma 16,648 30.2% -0.3%
College diploma 16,727 30.3% 1.1%
Associate degree 5,575 10.1% 0.5%
Bachelor's degree 9,734 17.6% 3.8%
Graduate degree 4,312 7.8% -2.6%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in St. Cloud

How much people earn in St. Cloud

The average annual household income in St. Cloud was $79,097 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -1.2% change from the previous year. At the same time, the median income stood at $61,374, reflecting a +0.4% shift over the same period.

Average household income in St. Cloud
$79,097/year
-1.2% year-over-year change
Median household income in St. Cloud
$61,374/year
0.4% year-over-year change

St. Cloud income by age

In St. Cloud, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $68,520. Those with someone between 45 and 64 in charge, often well established professionally, earn $72,541 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $44,252, while those led by someone over 65, many of whom may be retired, have about $54,463 in earnings. Overall, 79.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $44,252 -4.7%
25 - 44 $68,520 -5.4%
45 - 64 $72,541 -0.6%
Over 65 $54,463 1.9%
Above poverty level
52,366
Below poverty level
13,316
Value Percent YoY
change
Above poverty level 52,366 79.7% -1.0%
Below poverty level 13,316 20.3% 9.9%

Average renter income in St. Cloud

To get a better sense of what renters earn on average in St. Cloud, their median household income was $41,938 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 28.7%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$41,938
Rent-to-income ratio
28.7%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in St. Cloud

Workforce and job types in St. Cloud

The job market in St. Cloud is powered by 36,227 working residents, spread across a range of industries and roles. 75.1% of the working population are employed in professional or administrative positions, while 24.9% are in hands-on or service-based jobs. Also, 5.8% run their own businesses, 68.8% are employed by private companies, and 12.7% work in the public sector.

Workforce demographics

Working population
36,227
1.6% year-over-year change
White collar
27,201
Blue collar
9,026
Value Percent YoY change
White collar 27,201 75.1% 0.0%
Blue collar 9,026 24.9% 6.9%
Employer type
Self employees
5.8%
Private companies
68.8%
Governmental workers
12.7%
Not for profit companies
12.7%
Value Percent YoY change
Self employees 2,098 5.8% 15.7%
Private companies 24,918 68.8% 1.7%
Governmental workers 4,599 12.7% 3.6%
Not for profit companies 4,612 12.7% -5.5%
Unemployment rate
6.0%
-5.7% year-over-year change

Available workforce

The unemployment rate in St. Cloud stands at 6%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in St. Cloud

How people get around in St. Cloud

In St. Cloud, the average commute time is 20 minutes. Commuting methods vary: 82.4% of residents travel by personal vehicle and 5.4% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
20 min
Means of transportation
Value Percent YoY change
Car 29,308 82.4% 2.7%
Taxicab 242 0.7% -22.7%
Bus or trolleybus 724 2% -16.8%
Bicycle 187 0.5% -40.1%
Walk 1,921 5.4% 2.6%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in St. Cloud by zipcode?

Zipcode Population Number of households Median income Average income
56301 35,580 12,609 $73,142 $95,260
56303 25,827 11,184 $65,198 $77,857
56304 17,473 7,134 $58,148 $74,226

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FAQs about St. Cloud demographics 

What is the total population of St. Cloud?

St. Cloud has a total population of 70,629 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +1.0% compared to a year ago.

What is the gender ratio in St. Cloud?

The gender ratio in St. Cloud is as follows:
  • 50.9% males (35,967 residents)
  • 49.1% females (34,662 residents)

What is the median age in St. Cloud?

The median age in St. Cloud is 30.6.

What is the age distribution of the population in St. Cloud?

The age distribution in St. Cloud is as follows:
  • Under 15: 18.5% (13,081 residents)
  • Ages 15-24: 22.2% (15,714 residents)
  • Ages 25-44: 27.4% (19,341 residents)
  • Ages 45-64: 18.5% (13,080 residents)
  • Over 65: 13.3% (9,413 residents)

What is the racial and ethnic makeup of St. Cloud?

The racial and ethnic makeup of St. Cloud is as follows:
  • White: 66.3% (46,840 residents)
  • Black or African American: 19.9% (14,072 residents)
  • American Indian and Alaska Native: 0.3% (219 residents)
  • Asian: 4.1% (2,895 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (36 residents)
  • Two or More Races: 7.4% (5,259 residents)
  • Other: 1.8% (1,308 residents)

What percentage of the population in St. Cloud are U.S.-born citizens?

U.S.-born citizens represent 85.4% of the population in St. Cloud.

How many housing units are there in St. Cloud?

There are 29,762 housing units in St. Cloud, reflecting a +0.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in St. Cloud and what is the average household size?

St. Cloud has a total of 27,807 households, with an average of 2 people in each.

What is the median household income in St. Cloud?

St. Cloud has a median household income of $61,374, representing a +0.4% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for St. Cloud?

The employment rate is 94% in St. Cloud, with a workforce of 36,227 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 75.1% (27,201 residents)
  • Blue-collar workers: 24.9% (9,026 residents)

Places of employment:
  • Self-employed: 5.8% (2,098 residents)
  • Private companies: 68.8% (24,918 residents)
  • Governmental workers: 12.7% (4,599 residents)
  • Not-for-profit companies: 12.7% (4,612 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025