HomeMinnesotaStearns CountySt. Stephen city
St. Stephen city, Minnesota: commercial real estate data.
St. Stephen city is a Census city of 694 people across 3.72 square miles of land, in Stearns County. Median household income is $105,313, 96.6 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $109,000.
66 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
St. Stephen
What St. Stephen is
- Census place typecity
- Land area3.72 sq mi
- Water area0 sq mi
- Population per square mile of land186
- County holding the largest share of its areaStearns County, 100.0 percent
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. Stephen
How many people live in St. Stephen
- Population694
- Median age40.0
- Population under 18136 plus or minus 39
- Share under 1819.6 percent plus or minus 4.6
- Population 65 and over102 plus or minus 43
- Share 65 and over14.7 percent plus or minus 5.7
- Households266
- Family households187
- Share of households that are families70.3 percent plus or minus 18.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
Income and work in St. Stephen
- Median household income$105,313
- Per capita income$45,570
- Civilian labor force441
- Employed422
- Unemployed19 plus or minus 20
- Unemployment rate4.3 percent plus or minus 4.5
- Adults 25 and over478
- Adults 25 and over with a high school diploma or higher97.7 percent
- Adults 25 and over with a bachelor degree or higher20.5 percent plus or minus 6.6
- Adults 25 and over with a graduate degree4.4 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
Housing in St. Stephen
- Housing units266
- Occupied units266
- Vacant units0
- Vacancy rate0.0 percent
- Owner occupied257 plus or minus 54
- Renter occupied9 plus or minus 8
- Ownership rate96.6 percent
- Median owner-occupied home value$262,100
- Median gross rent, monthly$1,292 plus or minus $702
- Annual rent as a share of median income14.7 percent plus or minus 8.2
- Single family units262 plus or minus 54
- Share single family98.5 percent
- Units in buildings of two or more4 plus or minus 11
- Share in buildings of two or more1.5 percent plus or minus 4.2
- Mobile homes0
- Median year structure built1987
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
How St. Stephen gets to work
- Workers 16 and over who commute379
- Commuting under 15 minutes40 plus or minus 17
- Share commuting under 15 minutes10.6 percent plus or minus 4.1
- Commuting 30 minutes or more108 plus or minus 36
- Share commuting 30 minutes or more28.5 percent plus or minus 7.8
- Drove alone84.9 percent
- Carpooled4.6 percent plus or minus 2.3
- Public transport0.0 percent
- Walked1.0 percent plus or minus 0.9
- Worked from home9.1 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Stephen
SBA loans in St. Stephen (7(a))
- Approvals1
- Gross approval$109,000
- Average approval$109,000
- Median approval$109,000
- Ninetieth percentile approval$109,000
- Largest approval$109,000
- Jobs supported1
- Jobs per approval1.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stearns County, not St. Stephen
Stearns County context, not St. Stephen figures
These are Stearns County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. Stephen measurements.
- Establishments in Stearns County4,474
- Employment at those establishments, Stearns County84,123
- Covered employment, Stearns County87,252
- Average annual pay, Stearns County$62,313
- Average weekly wage, Stearns County$1,198
- Housing units permitted, Stearns County572
- Of those, single family, Stearns County356
- County product, 2024, Stearns County$12,618,094,000
- County product change over the prior year, Stearns County7.3 percent
- Average income of an arriving household, Stearns County$56,619
Every figure in this section is published for Stearns County as a whole and is not a measurement of St. Stephen. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
St. Stephen questions, answered from the record.
How many people live in St. Stephen, Minnesota?
694, in 266 households. St. Stephen city covers 3.72 square miles of land, which is 186 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Stephen in?
Stearns County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. Stephen?
$105,313. The median owner-occupied home is valued at $262,100. Median gross rent is $1,292 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. Stephen businesses?
1 7(a) approvals totalling $109,000, across 1 lenders, median approval $109,000. These count approvals to borrowers whose address is in St. Stephen, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Stephen borrowers get paid back?
No rate is published for St. Stephen. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page St. Stephen figures?
No, and they are labelled 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. Stephen.
Is zoning published for St. Stephen?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.