Traverse City receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
Traverse City
St. Cloud
Opportunity
52 · Bottom 43%
vs39 · Bottom 19%
Growth
48 · Bottom 46%
vs49 · Bottom 48%
Climate
61 · Bottom 30%
vs51 · Bottom 4%
Physical resilience
93 · Top 3%
vs69 · Top 31%
Housing affordability
88 · Bottom 33%
vs94 · Bottom 47%
Access
4 · Bottom 3%
vs47 · Bottom 10%
Economic stability
53 · Top 47%
vs80 · Top 15%
Measured values
| Metric | Traverse City | St. Cloud | Source period |
|---|---|---|---|
| Population | 155,449 | 202,458 | 2024 ACS 5-Year |
| Median household income | $80,889 | $76,497 | 2024 ACS 5-Year |
| Per capita income | $45,393 | $38,346 | 2024 ACS 5-Year |
| Population density | 92/sq mi | 116/sq mi | 2024 ACS 5-Year |
| Median home value | $324,300 | $272,800 | 2024 ACS 5-Year |
| Median gross rent | $1,225 | $1,042 | 2024 ACS 5-Year |
| Homeownership rate | 81.9% | 67.6% | 2024 ACS 5-Year |
| Unemployment rate | 3.8% | 5.0% | June 2026 |
| Employment change (year over year) | -7.7% | -2.1% | June 2026 |
| Bachelor's degree or higher | 39.4% | 28.2% | 2024 ACS 5-Year |
| Poverty rate | 9.5% | 12.3% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 940 | 620 | 12 months ending July 2026 |
| Permits per 1,000 residents | 6.0 | 3.1 | 12 months ending July 2026 |
| Permit change (year over year) | -24.4% | -20.4% | 12 months ending July 2026 |
| Average July high | 81°F | 82°F | 1991-2020 Normals |
| Average January low | 17°F | 3°F | 1991-2020 Normals |
| Annual precipitation | 29.1" | 28.5" | 1991-2020 Normals |
| Distance to major airport | 114 mi | 79 mi | NASR current cycle |
| Average commute | 23.9 min | 23.3 min | 2024 ACS 5-Year |
| Median age | 46.3 | 35.4 | 2024 ACS 5-Year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Traverse City
No hazard reaches elevated exposure.
St. Cloud
Elevated or high exposure: strong wind, tornado.
Your best match
Weight what matters to you. Your preferences stay in this browser and never change either Area Score.
Traverse City
57
Your Score
63
Area Score
St. Cloud
61
Your Score
59
Area Score
Select your priorities to see which of the two fits them better.
Full profiles: Traverse City, MI Metro Area · St. Cloud, MN Metro Area · How this is calculated: methodology