HomeMinnesotaStearns CountySt. Cloud
St. Cloud, Minnesota: commercial real estate data.
St. Cloud is a Census city of 70,629 people across 40.22 square miles of land, lying across Stearns County and Sherburne County and Benton County. Median household income is $61,374, 48.6 percent of occupied homes are owned, and the SBA record carries 161 7(a) approvals to borrowers here worth $67.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Cloud
What St. Cloud is
- Census place typecity
- Land area40.22 sq mi
- Water area0.92 sq mi
- Population per square mile of land1,756
- County holding the largest share of its areaStearns County, 79.0 percent
- Counties this place lies inStearns County 79.0 percent, Sherburne County 12.4 percent, Benton County 8.6 percent
St. Cloud crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
How many people live in St. Cloud
- Population70,629
- Median age30.6
- Population under 1815,447
- Share under 1821.9 percent
- Population 65 and over9,413
- Share 65 and over13.3 percent
- Households27,807
- Family households14,309
- Share of households that are families51.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
Income and work in St. Cloud
- Median household income$61,374
- Per capita income$32,108
- Civilian labor force38,559
- Employed36,227
- Unemployed2,332 plus or minus 648
- Unemployment rate6.0 percent plus or minus 1.7
- Adults 25 and over41,834
- Adults 25 and over with a high school diploma or higher91.2 percent
- Adults 25 and over with a bachelor degree or higher30.4 percent
- Adults 25 and over with a graduate degree10.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
Housing in St. Cloud
- Housing units29,762
- Occupied units27,807
- Vacant units1,955 plus or minus 427
- Vacancy rate6.6 percent plus or minus 1.4
- Owner occupied13,505
- Renter occupied14,302
- Ownership rate48.6 percent
- Median owner-occupied home value$225,000
- Median gross rent, monthly$1,003
- Annual rent as a share of median income19.6 percent
- Single family units16,264
- Share single family54.6 percent
- Units in buildings of two or more13,240
- Share in buildings of two or more44.5 percent
- Mobile homes258 plus or minus 119
- Median year structure built1981
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
How St. Cloud gets to work
- Workers 16 and over who commute32,552
- Commuting under 15 minutes15,174
- Share commuting under 15 minutes46.6 percent
- Commuting 30 minutes or more5,946
- Share commuting 30 minutes or more18.3 percent
- Drove alone71.9 percent
- Carpooled10.5 percent
- Public transport2.0 percent plus or minus 0.9
- Walked5.4 percent plus or minus 1.2
- Worked from home8.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
SBA loans in St. Cloud (7(a))
- Approvals161
- Gross approval$67,462,300
- Average approval$419,020
- Median approval$200,000
- Ninetieth percentile approval$1,031,000
- Largest approval$3,000,000
- Jobs supported2,401
- Jobs per approval14.9
- Loans with a final outcome57
- Paid in full56
- Charged off1
- Charge-off rate over resolved loans1.8 percent
- Median term120 months
- Share on real estate terms of 20 years or more8.1 percent
- Share to franchises5.6 percent
- Distinct lenders32
- Distinct industries by NAICS81
Counted by borrower city: approvals to borrowers whose address is in St. Cloud, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Cloud
SBA loans in St. Cloud (504)
- Approvals76
- Gross approval$51,672,000
- Average approval$679,895
- Median approval$466,500
- Largest approval$4,667,000
- Jobs supported1,364
- Loans with a final outcome31
- Charged off1
- Charge-off rate over resolved loans3.2 percent
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in St. Cloud, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Cloud
Flood risk in St. Cloud
- NFIP communityCity of St. Cloud
- NFIP community number270456
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/16/12
The City of St. Cloud participates in the National Flood Insurance Program as community 270456 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Stearns County, not St. Cloud
Stearns County context, not St. Cloud figures
- Establishments in Stearns County4,474
- Covered employment, Stearns County87,252
- Average annual pay, Stearns County$62,313
- Housing units permitted, Stearns County572
Every figure in this section is published for Stearns County as a whole and is not a measurement of St. Cloud.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
St. Cloud questions, answered from the record.
How many people live in St. Cloud, Minnesota?
70,629, in 27,807 households. St. Cloud city covers 40.22 square miles of land, which is 1,756 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Cloud in?
St. Cloud lies in more than one. By area it is 79.0 percent in Stearns County, 12.4 percent in Sherburne County, 8.6 percent in Benton County. This page sits under Stearns County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in St. Cloud?
$61,374. The median owner-occupied home is valued at $225,000. Median gross rent is $1,003 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Cloud businesses?
161 7(a) approvals totaling $67.5 m since FY2020, across 32 lenders, median approval $200,000, plus 76 504 approvals worth $51.7 m since FY2010. These count approvals to borrowers whose address is in St. Cloud, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Cloud borrowers get paid back?
Of the 57 loans that have reached a final outcome, 56 were paid in full and 1 charged off, a charge off rate of 1.8 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is St. Cloud in the National Flood Insurance Program?
Yes. St. Cloud appears in the FEMA Community Status Book as St. Cloud, city of, community 270456, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. Cloud figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stearns County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. Cloud.
Is zoning published for St. Cloud?
No. Nothing on this page presents parcel level zoning.