St. Cloud, MN
Metro Area Profile
202,458 residents. Jobs, income, development, climate and physical risk across the St. Cloud, MN metropolitan area.
Employment conditions sit below most comparable published metro profiles: unemployment is 5.0% and the Opportunity signal places St. Cloud in the bottom 19%.
Residential permitting has slowed: 620 units authorized over the past twelve months, 20% below the prior year.
Rent takes 16% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 3.6 times that income.
At a glance
Jobs & opportunity
Unemployment of 5.0% is lower than 22% of the 379 measured US metros.
Employment fell 2.1% over the past year, to 104,321 employed residents.
| Metric | Value | Compared with peers | Source period |
|---|---|---|---|
| Median household income ±$1,705 | $76,497 | Top 24% | 2024 ACS 5-Year |
| Per capita income ±$870 | $38,346 | Top 35% | 2024 ACS 5-Year |
| Poverty rate | 12.3% | Bottom 37% | 2024 ACS 5-Year |
| Average commute | 23.3 min | Bottom 41% | 2024 ACS 5-Year |
| Bachelor's degree or higher | 28.2% | Top 38% | 2024 ACS 5-Year |
| Employment | 104,321 | Bottom 47% | June 2026 |
| Employment change (3 years) | -0.9% | Bottom 33% | June 2026 |
| Employment change (year over year) | -2.1% | Bottom 16% | June 2026 |
| Labor force | 109,865 | Bottom 47% | June 2026 |
| Labor force participation | 70.2% | Top 2% | 2024 ACS 5-Year |
| Mean annual wage | $63,750 | Top 34% | 2025 OEWS |
| Median annual wage | $50,840 | Top 23% | 2025 OEWS |
| Metro employment | 103,920 | Top 50% | 2025 OEWS |
| Unemployment change (year over year) | 0.7% | Top 15% | June 2026 |
| Unemployment rate | 5.0% | Top 22% | June 2026 |
| Occupation | People employed | Median annual wage |
|---|---|---|
| Home Health and Personal Care Aides | 3,140 | $37,100 |
| Registered Nurses | 2,910 | $105,290 |
| Retail Salespersons | 2,850 | $34,860 |
| Cashiers | 2,560 | $32,480 |
| General and Operations Managers | 2,340 | $89,700 |
| Office Clerks, General | 2,240 | $46,390 |
Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.
Housing & affordability
How it’s calculated →Median rent of $1,042 takes 16% of median household income, below the 30% threshold at which a household is considered cost-burdened.
A median home costs 3.6 times median household income here, above the historic benchmark of about three times income.
| Metric | Value | Compared with peers | Source period |
|---|---|---|---|
| Home price to income | 3.57 | Top 36% | 2024 ACS 5-Year |
| Homeownership rate | 67.6% | Bottom 36% | 2024 ACS 5-Year |
| Housing units ±98 | 84,233 | Top 26% | 2024 ACS 5-Year |
| Median gross rent ±$37 | $1,042 | Top 40% | 2024 ACS 5-Year |
| Median home value ±$4,185 | $272,800 | Top 31% | 2024 ACS 5-Year |
| Rent as a share of income | 16.3% | Bottom 23% | 2024 ACS 5-Year |
| Vacancy rate | 7.3% | Bottom 19% | 2024 ACS 5-Year |
Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.
Growth & development
How it’s calculated →An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.
Population has grown 3% since 2020, reaching 205,878 in 2024.
At 3.1 permitted units per 1,000 residents, building activity is above the median for measured US metros.
Weather & climate
5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 82°F and January a low of 3°F.
Normal annual precipitation is 28.5 inches, including 47.9 inches of snow.
| Metric | Value | Source period |
|---|---|---|
| Annual precipitation | 28.5" | 1991-2020 Normals |
| Annual snowfall | 47.9" | 1991-2020 Normals |
| Average January low | 3°F | 1991-2020 Normals |
| Average July high | 82°F | 1991-2020 Normals |
| Comfortable months | 5 | 1991-2020 Normals |
| Seasonal temperature swing | 58°F | 1991-2020 Normals |
Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.
Physical risk
The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and strong wind.
Low or minimal exposure: winter weather, cold wave, lightning, wildfire, ice storm, landslide, drought, earthquake.
Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. This value is the population-weighted mean of all component counties; expected annual loss is their sum. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.
What this profile does not cover
Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.
- Reported crime
- The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
- Taxes
- No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
- Full cost of living
- No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.
Access
1 major airport lies within 100 miles, the nearest 79 miles away.
| Airport | Code | Distance | Longest runway |
|---|---|---|---|
| Minneapolis-St Paul Intl/Wold-Chamberlain | MSP | 79 mi | 11,006 ft |
| Duluth Intl | DLH | 140 mi | 10,591 ft |
| Hector Intl | FAR | 144 mi | 9,001 ft |
Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.
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Similar places
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Data & methodology
| Used for | Source | Source period | Updated |
|---|---|---|---|
| Access | Federal Aviation Administration Airports (NASR) — Aeronautical Data Delivery Service | NASR current cycle | 28-day NASR cycle |
| Physical risk | Federal Emergency Management Agency National Risk Index | National Risk Index December 2025 (v1.20.0) | Periodic dataset versions (v1.20.0 current) |
| Climate | NOAA National Centers for Environmental Information U.S. Climate Normals 1991–2020 (Monthly) | 1991-2020 Normals | Every ten years (next release follows the 2001–2030 period) |
| Jobs | U.S. Bureau of Labor Statistics Local Area Unemployment Statistics | June 2026 | Monthly |
| Jobs | U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics | 2025 OEWS | Annual (spring release) |
| Demographics | U.S. Census Bureau Population Estimates Program | July 1, 2024 estimate | Annual (vintage released each spring) |
| Development | U.S. Census Bureau Building Permits Survey | 12 months ending July 2026 | Monthly, roughly three weeks after the reference month |
| Demographics, Housing, Income, Jobs | U.S. Census Bureau American Community Survey 5-Year Estimates (Table-Based Summary File) | 2024 ACS 5-Year | Annual (5-year estimates released each December) |
Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.