Stearns County, MN

County Profile

160,865 residents. Safety, jobs, income, housing cost, climate and natural-hazard risk for Stearns County, MN.

Several figures AreaProfile publishes are measured by county and nowhere finer — death rates by intent among them. On this page those describe the geography they are printed on, which is not true of the city and ZIP pages that inherit them.

56out of 100
Area Score
Bottom 30% of 1,225 profiles measured

How we calculate this

How this area ranks
Opportunity935th of 1,255 counties measured42
Schools609th of 973 counties measured41
Growth688th of 1,226 counties measured47
Housing affordabilityTop 47% of 1,255 counties measured94
Climate1210th of 1,254 counties measured51
Physical resilienceTop 40% of 1,255 counties measured68
Access1172nd of 1,255 counties measured45
Economic stabilityTop 29% of 1,255 counties measured75
The quick read

Employment conditions sit below most comparable published profiles: unemployment is 5.0% and the Opportunity signal places Stearns County in the bottom 26%.

In the public schools here, 45% of students met the state standard in mathematics, with 14.7 students for every teacher.

Residential permitting has slowed: 476 units authorized over the past twelve months, 34% below the prior year.

At a glance

Population
160,865
2024 ACS 5-Year
Median household income
$77,066
Top 22% nationally
Density
120/sq mi
1342.9 sq mi of land
Median age
35.1
2024 ACS 5-Year
County
Stearns County
Minnesota
Metro area
St. Cloud, MN
Nearest major airport
MSP
82 mi · Minneapolis-St Paul Intl/Wold-Chamberlain
Median home value
$273,400
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.0% is lower than 22% of the 1,255 measured US locations.

Employment fell 2.0% over the past year, to 83,063 employed residents.

29% of adults hold a four-year degree, higher than 74% of measured US locations.

MetricValueCompared nationallySource period
Median household income ±$1,832$77,066Top 22%of 3,2222024 ACS 5-Year
Per capita income ±$892$38,286Top 33%of 3,2222024 ACS 5-Year
Poverty rate12.9%Bottom 47%of 3,2222024 ACS 5-Year
Average commute22.9 minBottom 31%of 3,2222024 ACS 5-Year
Bachelor's degree or higher28.8%Top 26%of 3,2222024 ACS 5-Year
Employment83,063Top 31%of 1,255June 2026
Employment change (3 years)-0.7%Bottom 36%of 1,255June 2026
Employment change (year over year)-2.0%Bottom 18%of 1,255June 2026
Labor force87,416Top 31%of 1,255June 2026
Labor force participation69.7%Top 4%of 3,2222024 ACS 5-Year
Unemployment change (year over year)0.8%Top 14%of 1,255June 2026
Unemployment rate5.0%Top 22%of 1,255June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/065.21.8
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 5.0% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Median household income, successive ACS releases
202120222023202477k68k
Each point is a separate five-year estimate, most recently $77,066 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — St. Cloud, MN
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides3,140$37,100
Registered Nurses2,910$105,290
Retail Salespersons2,850$34,860
Cashiers2,560$32,480
General and Operations Managers2,340$89,700
Office Clerks, General2,240$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.

45% of students met the state standard in mathematics and 49% in reading, across the schools here that reported results.

There are 14.7 students for every full-time teacher, fewer than in most measured places.

Public schools
65
2024-25 school year
Students per teacher
14.7
across all schools here
Math proficiency
44.7%
Bottom 36% in Minnesota
Reading proficiency
48.8%
Bottom 39% in Minnesota
SchoolDistrictStudentsPer teacherMathReading
TECHNICAL SENIOR HIGHST. CLOUD PUBLIC SCHOOL DISTRICT1,56117.9
Sartell Senior HighSartell-St. Stephen School District1,26916.5
APOLLO SENIOR HIGHST. CLOUD PUBLIC SCHOOL DISTRICT1,26416.9
Sartell MiddleSartell-St. Stephen School District98317.268%67%
Riverview Intermediate SchoolSartell-St. Stephen School District91416.365%64%
OAK HILL COMMUNITY ELEMENTARYST. CLOUD PUBLIC SCHOOL DISTRICT87814.944%50%
SOUTH JUNIOR HIGHST. CLOUD PUBLIC SCHOOL DISTRICT83116.027%37%
ROCORI SENIOR HIGHROCORI PUBLIC SCHOOL DISTRICT82415.3
NORTH JUNIOR HIGHST. CLOUD PUBLIC SCHOOL DISTRICT72016.417%32%
MADISON ELEMENTARYST. CLOUD PUBLIC SCHOOL DISTRICT70413.827%31%
COLD SPRING ELEMENTARYROCORI PUBLIC SCHOOL DISTRICT65615.650%59%
SAUK CENTRE SECONDARYSAUK CENTRE PUBLIC SCHOOL DISTRICT59716.657%57%

43.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Minnesota’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,068 takes 17% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.5 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
16.6%
Below the 30% cost-burdened threshold
Home price to income
3.5×
median home value ÷ median income
Median gross rent
$1,068
2024 ACS 5-Year
Median home value
$273,400
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.55Top 30%of 3,2192024 ACS 5-Year
Homeownership rate67.9%Bottom 22%of 3,2222024 ACS 5-Year
Housing units ±9366,625Top 14%of 3,2222024 ACS 5-Year
Median gross rent ±$42$1,068Top 25%of 3,2162024 ACS 5-Year
Median home value ±$5,311$273,400Top 24%of 3,2192024 ACS 5-Year
Rent as a share of income16.6%Bottom 45%of 3,2162024 ACS 5-Year
Vacancy rate7.8%Bottom 18%of 3,2222024 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 →
Development Momentum
47/ 100
Ranks 688 of 1,226 published city profiles
Permitting is decreasing, measured from 2022 to 2025.

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 163,997 in 2024.

Permitting has turned downward after moving the other way the year before.

At 3.0 permitted units per 1,000 residents, building activity is above the median for measured US locations.

Units permitted
476
12 months ending July 2026
Per 1,000 residents
3.0
Top 50% nationally
Year over year
−34%
vs the prior twelve months
Multifamily share
20.6%
units in 5+ unit buildings
Population, annual estimates
20202021202220232024164k158k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
2022202320242025661372
Annual totals from the Census Building Permits Survey. Permitting in 2025 was higher than 2022 (+44%).

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.

Air quality measures a median index of 39, in the Good band, and no day in the year passed 100.

-10°10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ST CLOUD RGNL AP, 27.1 miles from this location.
Precipitation
JFMAMJJASOND4.0"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index58.02024 calendar year
Annual precipitation28.5"1991-2020 Normals
Annual snowfall47.9"1991-2020 Normals
Average January low3°F1991-2020 Normals
Average July high82°F1991-2020 Normals
Comfortable months51991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index39.02024 calendar year
Seasonal temperature swing58°F1991-2020 Normals
Air quality
Median air quality index
39
Good on a typical day
Worst tenth of days
58
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

68 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and strong wind.

Strong windElevated
TornadoElevated
Inland floodingModerate
Heat waveModerate

Low or minimal exposure: hail, winter weather, lightning, cold wave, wildfire, ice storm, landslide, drought, earthquake.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA National Risk Index county record. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Stearns County records 2.0 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 9.3 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 10.6 per 100,000 residents in Stearns County.

Homicide
2.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.3
per 100,000 residents
Drug overdose
10.6
per 100,000 residents
Suicide
13.0
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Stearns County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Stearns County rather than Stearns County itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

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
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. 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. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

1 major airport lies within 100 miles, the nearest 82 miles away.

AirportCodeDistanceLongest runway
Minneapolis-St Paul Intl/Wold-ChamberlainMSP82 mi11,006 ft
Hector IntlFAR141 mi9,001 ft
Duluth IntlDLH146 mi10,591 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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Area Score
56
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

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.