Reasons to Move to St. Cloud, Minnesota

St. Cloud, Minnesota, offers a unique blend of small-town charm and urban convenience, making it an ideal choice for those seeking a balance between a quiet lifestyle and access to big-city amenities. With its strong local economy, including a growing healthcare sector anchored by the CentraCare system, and its position as a regional hub for education, St. Cloud is thriving. The city is home to St. Cloud State University, providing a youthful energy, cultural events, and intellectual vibrancy, while still maintaining a close-knit community feel. Whether you’re exploring its diverse parks, the Mississippi Riverfront, or enjoying its locally owned restaurants and breweries, St. Cloud fosters a lifestyle that’s both relaxed and engaging.

For families, the city offers affordable housing options, quality public schools, and safe neighborhoods. St. Cloud’s relatively low cost of living compared to larger Minnesota cities like Minneapolis or St. Paul makes it an attractive place to settle. Additionally, its strategic location along I-94 and proximity to both the Twin Cities and rural central Minnesota gives residents easy access to a variety of activities and job markets. If you’re considering relocating, St. Cloud has a lot to offer—and the best part is, there’s much more to discover about what makes this city uniquely appealing to newcomers. Would it be the right place for you to call home?

Cost to Move to St. Cloud, Minnesota

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Cost of living in St. Cloud, Minnesota

Housing Costs

The median home price in St. Cloud as of 2023 is approximately $270,000, which is lower than the Minnesota state average of $320,000. This makes St. Cloud a relatively affordable city for homebuyers, especially compared to the Minneapolis-St. Paul metro area. Rental prices are also affordable, with the average monthly rent for a one-bedroom apartment around $900, and for a three-bedroom house, it’s approximately $1,400 per month. The cost of housing in St. Cloud has remained stable in recent years, with only modest increases in home prices and rents.

Zillow – St. Cloud Housing Market

Utilities

The average monthly utility bill for a standard 915-square-foot apartment in St. Cloud is about $160. This includes electricity, heating, cooling, water, and garbage services. St. Cloud residents can expect slightly lower utility costs than in major urban areas, thanks to the city’s moderate climate and relatively affordable utility services. Internet services typically cost between $50 and $80 per month depending on the provider and speed. Gas and electricity bills are typically lower in the spring and fall months when heating or cooling is not needed.

Numbeo – Cost of Living in St. Cloud

Groceries/Food

Grocery costs in St. Cloud are generally on par with the national average, but they tend to be slightly lower than in larger metro areas. A basic grocery list for a single person might cost around $300 to $350 per month, depending on dietary preferences. For example, a gallon of milk costs approximately $2.50, a loaf of bread is about $2.25, and a dozen eggs is around $2.30. Dining out in St. Cloud is also affordable, with average meal prices at local restaurants running about $12 to $18 per person for a casual meal.

Numbeo – Cost of Living in St. Cloud

Transportation

St. Cloud has a well-connected transportation system, though many residents rely on personal vehicles due to limited public transportation options. The average cost of a gallon of gas in St. Cloud in 2023 is around $3.50. Monthly transportation costs for someone commuting regularly by car—factoring in gas, insurance, and maintenance—typically range from $350 to $500. For public transit, the St. Cloud Metro Bus service offers affordable monthly passes starting at $40, though the network is limited to the city itself and nearby areas.

St. Cloud Metro Bus – Fares

Healthcare

Healthcare costs in St. Cloud are slightly lower than the national average, though they still vary based on insurance and individual healthcare needs. The average cost for a doctor’s visit in the area is around $120 to $150. For those with insurance, monthly premiums typically range from $300 to $600 for an individual depending on the plan. St. Cloud is home to CentraCare, a major regional health system, which provides a variety of services, from emergency care to specialty treatments, often at lower costs than in larger metropolitan areas.

CentraCare Health

Childcare and Education

For families with young children, daycare and childcare services in St. Cloud are moderately priced. The average cost for full-time daycare for an infant is approximately $900 to $1,200 per month. For a preschool-aged child, the cost tends to be lower, averaging $700 to $900 per month. Public education is offered by the St. Cloud Area School District, with good ratings for primary and secondary schools. The cost of higher education is significantly impacted by St. Cloud State University, which offers tuition of around $9,000 per year for in-state students, making it an affordable option for college-bound individuals.

St. Cloud State University

Taxes

St. Cloud residents pay state income taxes ranging from 5.35% to 9.85% depending on income levels. The average effective property tax rate in St. Cloud is approximately 1.2%, which is lower than the state average of 1.3%. The city does not impose a local sales tax, but the state of Minnesota has a 6.875% sales tax rate, which applies to most purchases. Additionally, St. Cloud residents benefit from Minnesota’s relatively low property tax rates compared to other states in the Midwest.

Minnesota Department of Revenue – Tax Rates

Insurance

The average cost of car insurance in St. Cloud is about $1,200 per year for a standard driver with a clean record. Homeowners insurance premiums are generally affordable in St. Cloud, with the average cost around $1,000 to $1,200 annually for a standard policy covering a typical home valued at $250,000. Life insurance costs can vary greatly, but the average annual premium for a term life policy with $500,000 coverage is roughly $400 to $600 for a healthy individual in their 30s.

NerdWallet – Insurance Rates

Recreation and Entertainment

St. Cloud offers a variety of recreational and entertainment options at affordable prices. A membership to a local gym averages around $35 per month. Movie tickets are priced at approximately $10 to $12 per person, and family-friendly activities such as visiting the local YMCA or spending time at one of the city’s many parks cost very little. Additionally, St. Cloud is home to multiple local festivals throughout the year, many of which are free to attend, adding to the city’s appeal as a low-cost, yet active community.

St. Cloud Parks and Recreation

Clothing

Clothing costs in St. Cloud are typical for a mid-sized city. A pair of jeans can range from $30 to $50, while a simple T-shirt might cost $10 to $20. For families with children, clothing costs are generally reasonable, with prices for children’s clothing averaging $15 to $25 per item. Shopping options include large retailers like Target and Walmart, as well as local boutiques and second-hand stores offering affordable options for various needs.

Numbeo – Cost of Living in St. Cloud

Personal Care

Personal care services in St. Cloud are reasonably priced. A standard haircut for a man typically costs between $20 and $25, while a women’s haircut can range from $35 to $50. Personal care products, like shampoo or deodorant, can be found at competitive prices, with a typical bottle of shampoo costing around $5. For those interested in wellness and spa treatments, a massage in St. Cloud averages $70 to $90 per session.

Numbeo – Cost of Living in St. Cloud

Miscellaneous Expenses

Other miscellaneous expenses in St. Cloud, such as entertainment, personal items, and local services, tend to be lower than in larger metropolitan areas. For example, a monthly Netflix subscription is priced at around $15, while a basic phone plan averages $60 per month. St. Cloud also boasts a variety of locally-owned shops and cafes, where consumers can enjoy affordable dining and shopping experiences. These costs typically make living in St. Cloud financially manageable for individuals and families alike.

Numbeo – Cost of Living in St. Cloud

Is St. Cloud, Minnesota a safe place to live – Crime Rates?

Crime Rate

St. Cloud has a relatively low crime rate compared to larger cities, but like many places, it experiences some crime. In 2022, the overall crime rate in St. Cloud was about 2,950 incidents per 100,000 people, which is lower than the national average of 3,800 incidents per 100,000 people. The city has seen fluctuations in crime rates over the past several years, with certain types of crime, such as property crimes, being more prevalent than violent crimes. This indicates that while crime does occur, it is generally less of a concern in St. Cloud compared to larger metropolitan areas.

NeighborhoodScout – St. Cloud Crime Data

Violent Crime Rate

The violent crime rate in St. Cloud is notably lower than the national average. As of the most recent data in 2022, the city recorded approximately 170 violent crimes per 100,000 residents. This is much lower than the national average of 380 violent crimes per 100,000 people. Violent crimes in St. Cloud include incidents such as aggravated assault, robbery, and homicide, but these are relatively rare occurrences. The city’s crime data shows that violent crime is less of a concern for residents compared to property crimes.

NeighborhoodScout – St. Cloud Crime Data

Property Crime Rate

Property crime is more common in St. Cloud compared to violent crime. In 2022, the property crime rate was about 2,250 incidents per 100,000 people, which is slightly above the national average of 2,100 per 100,000. Common property crimes include burglary, larceny-theft, and motor vehicle theft. While the property crime rate is a bit higher than the national average, it remains manageable, and the city has seen improvements in law enforcement response and community engagement aimed at reducing these crimes.

NeighborhoodScout – St. Cloud Property Crime Data

Police Presence

The St. Cloud Police Department works to maintain a visible and responsive presence in the city. The department has a staff of around 70 officers, providing adequate coverage to serve the population of over 70,000. The city has prioritized community policing, with officers engaging in neighborhood patrols and outreach programs. This active approach has contributed to the city’s overall safety. The St. Cloud Police Department also partners with local organizations to reduce crime and improve public safety, focusing on both prevention and intervention strategies.

St. Cloud Police Department

Neighborhood Watch Programs

St. Cloud supports several neighborhood watch programs that are designed to help residents stay informed and involved in local crime prevention. These programs are led by residents in cooperation with the St. Cloud Police Department, and they aim to foster safer communities by encouraging neighbors to be vigilant and report suspicious activity. The city’s Neighborhood Watch program has proven effective in reducing crime rates in participating neighborhoods by increasing community awareness and building trust between law enforcement and residents.

St. Cloud Neighborhood Watch Program

Safety Rankings

According to the 2023 data from SafeWise, St. Cloud ranks relatively well in terms of safety within Minnesota, with a safety score of 70.1 out of 100. The city is considered safer than many other similar-sized cities in the state, primarily due to its low violent crime rate and active public safety efforts. While property crime remains a concern, it is still manageable compared to the state average. St. Cloud’s public safety initiatives, such as community engagement and neighborhood watch programs, play a key role in the city’s favorable safety ranking.

SafeWise – Safest Cities in Minnesota 2023

Trend Data

Crime trends in St. Cloud have shown a general decline in recent years, particularly with violent crime. Property crimes have seen some fluctuations, but the overall trend shows a slight decrease, especially in the past two years. According to the St. Cloud Police Department’s annual crime reports, the city has been successful in implementing strategies that have led to lower crime rates, including the expansion of the community policing model and improvements in data-driven policing techniques. The ongoing trend is one of cautious optimism, with crime rates stabilizing or slowly decreasing.

St. Cloud Police Department Annual Reports

School Safety

St. Cloud Area School District places a strong emphasis on the safety and well-being of students. The district works closely with local law enforcement and has implemented various safety measures, including security cameras, school resource officers, and emergency preparedness drills. In 2023, no major incidents were reported at local schools, and the district has been recognized for its proactive approach to school safety. While St. Cloud is a relatively safe community overall, the school district continues to invest in both physical security and mental health resources for students to maintain a secure environment.

St. Cloud Area School District – School Safety

What are the demographics of St. Cloud, Minnesota?

White

As of the most recent U.S. Census data from 2020, approximately 83% of the population in St. Cloud, Minnesota, identifies as White. This reflects the city’s predominantly White demographic, with the group comprising the largest racial category in the area. This percentage is slightly higher than the state of Minnesota’s overall White population, which is about 79%. The White population in St. Cloud includes people of various ethnic backgrounds, with German, Norwegian, and Swedish ancestry being common among residents.

U.S. Census Bureau – St. Cloud Demographics

Black or African American

The Black or African American population in St. Cloud is approximately 7.3%, based on the 2020 U.S. Census data. This group has seen growth over the past several decades, though it remains a smaller proportion of the overall population compared to larger urban areas in Minnesota. St. Cloud has become increasingly diverse in recent years, with many Black residents having moved to the city for educational and employment opportunities, including those at St. Cloud State University and local healthcare institutions.

U.S. Census Bureau – St. Cloud Demographics

Hispanic or Latino

The Hispanic or Latino population in St. Cloud, Minnesota, is approximately 4.4%, according to the 2020 U.S. Census. This group has grown significantly in recent years, reflecting broader national trends in Hispanic migration. The Latino community in St. Cloud is diverse, with many residents having roots in Mexico, Central America, and other parts of Latin America. As of 2020, the city is home to a number of cultural organizations and businesses catering to the Latino community, enriching the city’s multicultural fabric.

U.S. Census Bureau – St. Cloud Demographics

Two or More Races

The population identifying as Two or More Races in St. Cloud is approximately 2.5%, based on the 2020 Census data. This group has grown alongside the city’s broader racial diversity, reflecting the increasing number of multi-racial families and individuals who identify with more than one racial or ethnic background. St. Cloud, like many other cities, has seen a rise in this demographic due to greater societal acceptance and increased visibility of mixed-race individuals in the community.

U.S. Census Bureau – St. Cloud Demographics

Asian

The Asian population in St. Cloud is approximately 2.3%, based on 2020 Census data. The city has a growing Asian community, particularly immigrants from Southeast Asia, including Hmong, Vietnamese, and other groups. This demographic has contributed to the city’s cultural diversity, with Asian-owned businesses, cultural centers, and community organizations emerging in the area over the past few decades. The Asian population in St. Cloud has continued to grow due to opportunities in local industries, particularly healthcare and education.

U.S. Census Bureau – St. Cloud Demographics

Native American

The Native American population in St. Cloud is approximately 1.1%, according to the 2020 U.S. Census. While this is a relatively small percentage of the population, it represents a long-standing presence of Native American communities in the central Minnesota region. The local Native American community is involved in cultural preservation, local events, and the promotion of indigenous rights and education, and they contribute to the region’s cultural diversity.

U.S. Census Bureau – St. Cloud Demographics

Native Hawaiian or Pacific Islander

The Native Hawaiian or Pacific Islander population in St. Cloud is very small, making up less than 1% of the city’s population according to the 2020 Census. This group is one of the least represented in the area, with the population being part of a broader national trend in which Native Hawaiian and Pacific Islander communities are more concentrated in states like Hawaii or California. The community is small but active, with a few cultural and social organizations supporting members and increasing awareness of Pacific Islander cultures.

U.S. Census Bureau – St. Cloud Demographics

Sources

St. Cloud, Minnesota Population by Age and Gender

Total Population by Gender

The total population of St. Cloud, Minnesota is approximately 71,000 people, according to the 2020 U.S. Census data. The gender distribution is fairly balanced, with 48.2% male and 51.8% female. This slight female majority is consistent with the general gender distribution trends seen in many U.S. cities. The balance between male and female residents supports a diverse and dynamic community with various social, educational, and economic opportunities for both genders.

U.S. Census Bureau – St. Cloud Demographics

Age Distribution

The age distribution in St. Cloud reflects a typical Midwestern city, with a range of age groups. The largest age cohort in St. Cloud, as of 2020, is individuals aged 20-24, which makes up about 11% of the total population. This is largely due to the presence of St. Cloud State University, which brings a significant number of young adults to the city. Other notable age groups include those aged 25-34 (10%) and 35-44 (9%). The city has a relatively young population, with about 25% of the population under the age of 18 and 9% aged 65 and older.

U.S. Census Bureau – St. Cloud Demographics

Median Age

The median age of St. Cloud’s population is 32.5 years, based on the 2020 Census data. This median age is younger than the national median of 38.4 years and reflects the influence of St. Cloud State University, which attracts a younger demographic. The younger median age is beneficial for the local economy, as it suggests a more active, workforce-oriented population, particularly in areas such as education, healthcare, and technology.

U.S. Census Bureau – St. Cloud Demographics

Gender Distribution within Age Groups

St. Cloud’s gender distribution within age groups is consistent with national trends, where slightly more females are present in older age groups. For example, in the 18-24 age range, males make up 52% and females 48%, reflecting the significant student population at St. Cloud State University. However, in the older age brackets, particularly those aged 65 and above, women outnumber men, with women comprising about 60% of the population in this age group. This mirrors national patterns, where women generally live longer than men.

U.S. Census Bureau – St. Cloud Demographics

Dependency Ratios

St. Cloud’s dependency ratio, which measures the proportion of the population that is dependent on the working-age population (under 18 and over 64), is approximately 45%. This suggests a moderate reliance on the working-age population to support both youth and elderly residents. The relatively low dependency ratio indicates a substantial working-age population, which benefits the local economy and reduces the strain on social services. This ratio has remained relatively stable in recent years, with slight fluctuations based on population growth and changes in the labor market.

U.S. Census Bureau – St. Cloud Demographics

Sex Ratio

The sex ratio in St. Cloud is 96.5 males for every 100 females, based on the 2020 Census data. This sex ratio is close to the national average and reflects the balanced gender distribution in the population. The city’s slight female majority can be attributed to higher life expectancy among women, as well as the age distribution that shows more females in older age groups.

U.S. Census Bureau – St. Cloud Demographics

Population Growth Rates

St. Cloud has experienced steady population growth over the last few decades. From 2010 to 2020, the city’s population grew by approximately 6%, with the population increasing by around 4,000 people. This growth rate is relatively moderate compared to some fast-growing cities in the U.S., but it reflects the city’s stable economy, growing educational institutions, and quality of life. The city is expected to continue growing, albeit at a slower rate, due to its proximity to the larger metropolitan area of Minneapolis-St. Paul, as well as its strong local economy driven by education and healthcare sectors.

U.S. Census Bureau – St. Cloud Demographics

Sources

St. Cloud, Minnesota Zip Codes

St. Cloud, Minnesota, primarily has the following ZIP codes:

  • 56301
  • 56303
  • 56304
  • 56372

This ZIP code covers the majority of the St. Cloud area.

What is the history of St. Cloud, Minnesota?

History of St. Cloud, Minnesota

St. Cloud, Minnesota, has a rich history that dates back to the early 19th century. Originally inhabited by Native American tribes such as the Dakota and Ojibwe, the area was known for its natural resources, including the Mississippi River, which played a crucial role in the region’s development. European-American settlers began to arrive in the area in the 1840s, and the town of St. Cloud was officially founded in 1851. The name “St. Cloud” was chosen in homage to the French town of Saint-Cloud, near Paris, reflecting the influence of French settlers in the region.

In its early days, St. Cloud was part of the larger settlement process of central Minnesota, driven by the U.S. government’s push for westward expansion. The town’s location near the Mississippi River made it a strategic site for trade and transportation. By the mid-1800s, St. Cloud had established itself as a regional hub for the lumber industry, which was booming in the area due to the vast forests of pine trees. The construction of railroads further boosted the city’s growth, linking St. Cloud to larger cities like Minneapolis and Chicago, and facilitating the movement of goods and people.

St. Cloud’s population grew rapidly during this period, and by the 1860s, the city had become a bustling industrial center. The Minnesota River was used to transport timber, and the St. Cloud Iron Works, established in the 1850s, began producing iron products, contributing to the city’s economic prosperity. Agriculture also played a key role in the region’s development, with settlers establishing farms around the town. St. Cloud quickly became the center of a thriving agricultural district, growing wheat, corn, and other crops for export.

In the late 19th century, St. Cloud saw the development of institutions that would shape its future, including the founding of St. Cloud State University in 1869. Originally established as a normal school for teacher training, the university grew over the years to become one of the largest public universities in Minnesota, attracting students from across the state and region. The presence of the university helped to create a more diverse, educated population, and it remains a cornerstone of St. Cloud’s identity today.

In the early 20th century, St. Cloud continued to evolve, with industry shifting away from lumber and iron and toward manufacturing and agriculture. The establishment of local manufacturing companies, particularly in areas like flour milling, cement production, and the creation of farm machinery, helped St. Cloud become a vital part of the state’s economy. St. Cloud also expanded in terms of infrastructure, with the construction of public utilities and new transportation networks that connected the city to growing markets throughout the Midwest.

World War II played a significant role in St. Cloud’s development, as the war effort boosted local industry and employment. The city became a center for military production, particularly in the areas of manufacturing and defense, which brought an influx of workers from across the country. This period of industrial growth helped to solidify St. Cloud’s status as a regional economic hub and contributed to the diversification of its economy.

After the war, St. Cloud experienced significant suburbanization and growth in its population. The 1950s and 1960s saw an expansion of residential areas, as well as a boom in retail and service industries. The city’s downtown area developed with new shops, restaurants, and public buildings, reflecting the community’s increasing affluence. By the end of the 20th century, St. Cloud had transformed from a small river town into a vibrant, growing city, attracting new residents and businesses from both Minnesota and beyond.

Today, St. Cloud is known for its educational institutions, vibrant economy, and rich cultural heritage. Its history, rooted in trade, industry, and education, continues to influence the city’s development. As St. Cloud moves into the 21st century, it remains a dynamic community that celebrates its past while looking forward to the future. The city’s growth, both in population and in its role as an economic center, continues to make it a vital part of central Minnesota.

Sources

St. Cloud, Minnesota Weather

Average Temperature (by Month)

St. Cloud, Minnesota experiences a continental climate with cold winters and warm summers. The average temperature varies significantly throughout the year.

  • January: Average high of 15°F (-9°C), average low of -3°F (-19°C)
  • February: Average high of 19°F (-7°C), average low of -7°F (-22°C)
  • March: Average high of 32°F (0°C), average low of 14°F (-10°C)
  • April: Average high of 47°F (8°C), average low of 30°F (-1°C)
  • May: Average high of 61°F (16°C), average low of 43°F (6°C)
  • June: Average high of 71°F (22°C), average low of 53°F (12°C)
  • July: Average high of 79°F (26°C), average low of 60°F (16°C)
  • August: Average high of 77°F (25°C), average low of 58°F (14°C)
  • September: Average high of 66°F (19°C), average low of 46°F (8°C)
  • October: Average high of 52°F (11°C), average low of 35°F (2°C)
  • November: Average high of 33°F (1°C), average low of 18°F (-8°C)
  • December: Average high of 17°F (-8°C), average low of -4°F (-20°C)

Comparing these temperatures to the state of Minnesota, St. Cloud has slightly warmer summers and colder winters compared to the average temperatures across the state due to its location in central Minnesota. In contrast, the average temperature in the U.S. is much milder, with January highs around 37°F (3°C) and lows of 22°F (-6°C), making St. Cloud’s winters significantly colder than the national average.

National Weather Service – St. Cloud Climate Summary

Precipitation (Rain) Patterns

St. Cloud receives an average of 30 inches (76 cm) of precipitation annually. Rain is fairly evenly distributed throughout the year, though the summer months typically experience more precipitation due to thunderstorms. The city sees an average of 110 days of precipitation each year, which includes both rain and snow.

  • April: 2.4 inches (61 mm)
  • May: 3.1 inches (79 mm)
  • June: 4.1 inches (104 mm)
  • July: 3.7 inches (94 mm)
  • August: 3.2 inches (81 mm)
  • September: 2.5 inches (64 mm)

Compared to the average precipitation in Minnesota, St. Cloud’s levels are consistent with central Minnesota’s climate. The state as a whole averages around 28-34 inches of rain annually, making St. Cloud a slightly wetter location compared to the national average of 38 inches (97 cm) per year.

National Weather Service – St. Cloud Climate Summary

Extreme Weather Events

St. Cloud, Minnesota, occasionally experiences extreme weather events typical of the Upper Midwest. These events include severe thunderstorms, tornadoes, and winter storms. On average, the city experiences about 30 thunderstorm days per year, with the peak occurring in June and July. Tornadoes are a potential risk during severe weather season, though they are less frequent than in more tornado-prone areas like southern Minnesota or the Great Plains. Winter storms, blizzards, and freezing rain are common, particularly from November through March, making winter driving and outdoor activities challenging at times.

Comparing extreme weather in St. Cloud to Minnesota as a whole, central Minnesota experiences more frequent severe weather compared to southern parts of the state due to its location further north. Compared to the national average, the Midwest is known for its volatility in weather patterns, with much more frequent tornadoes and severe storms than in other regions of the U.S.

National Weather Service – Severe Weather in St. Cloud

Humidity Levels

St. Cloud’s humidity levels are relatively moderate. The city experiences an average relative humidity of 75% in the morning and 60% in the afternoon. Humidity is highest during the summer months, when it can feel quite muggy, especially during thunderstorms. Winter months see lower humidity, contributing to the cold, dry air typical of Minnesota winters.

The humidity in St. Cloud is slightly higher than the Minnesota state average of 70% in the summer, but still lower than the national average of 75% in the Midwest during peak summer months.

National Weather Service – St. Cloud Climate Summary

Sunlight

St. Cloud, like much of Minnesota, experiences a wide range of sunlight throughout the year. In the summer months, the city enjoys long days with up to 15-16 hours of daylight in June, while winter days can be very short, with as little as 8-9 hours of daylight in December. The city’s latitude also means that the angle of the sun is much lower in the winter, contributing to colder temperatures during the colder months.

Compared to the national average, St. Cloud experiences less annual sunlight, with about 1900 hours per year, which is lower than the national average of around 2,500 hours of sunshine annually. This is largely due to the higher latitude of Minnesota, resulting in long winters with significant cloud cover.

National Weather Service – St. Cloud Climate Summary

Wind Patterns

St. Cloud experiences moderate wind speeds, with an annual average of 10 mph (16 km/h). The windiest months are typically March and April, when the area experiences gusts that can reach 30-40 mph (48-64 km/h) during storms. The wind can feel more intense during the winter months, especially when combined with the cold temperatures, creating a wind chill effect.

The wind patterns in St. Cloud are typical for the Upper Midwest, with winds coming from the north and northwest in winter, and from the south and southeast during the summer months, as is common in much of Minnesota and the central United States.

National Weather Service – St. Cloud Climate Summary

Sources

Average Income in St. Cloud, Minnesota

Average Annual Salary

The average annual salary in St. Cloud, Minnesota is approximately $50,000. This figure reflects the overall income of full-time workers in the area and is relatively close to the average for the state of Minnesota, which stands at around $58,000 per year, according to recent data from the U.S. Bureau of Labor Statistics. However, the income in St. Cloud tends to be slightly lower than the Minnesota state average, primarily due to the city’s smaller size and less urbanized economy compared to major metropolitan areas like Minneapolis and St. Paul.

The average salary in St. Cloud can vary depending on the industry. For instance, healthcare and education-related jobs tend to have higher median salaries, whereas retail and hospitality roles generally see lower compensation.

U.S. Bureau of Labor Statistics – Minnesota Overview

Average Hourly Wage

The average hourly wage in St. Cloud, Minnesota is approximately $24. This is reflective of the region’s workforce in a variety of industries, including manufacturing, healthcare, and education. Hourly wages in St. Cloud tend to be higher than the national average of $22.00 per hour, as the city offers a range of skilled labor opportunities, particularly in the healthcare, education, and manufacturing sectors.

Comparing this to the state of Minnesota, the average hourly wage is slightly higher at around $26.00 per hour, while the national average for hourly wage is about $22.00 per hour. This suggests that St. Cloud’s pay rates are competitive for certain sectors but still slightly lower than the state average.

U.S. Bureau of Labor Statistics – Minnesota Overview

Median Salary Range

The median salary in St. Cloud is approximately $45,000 per year. This median value is lower than the median salary for the state of Minnesota, which stands at about $56,000 annually. Median salary figures indicate that half of all workers earn more than this amount, and half earn less, showing a broader range of income disparities within the city.

Nationally, the median household income is approximately $70,000, making St. Cloud’s median income below the U.S. average. However, the city’s relatively affordable cost of living can help mitigate the income gap.

DataUSA – St. Cloud, MN Median Income

Most Popular Jobs/Careers

Some of the most common occupations in St. Cloud include roles in healthcare, education, and manufacturing. The top three industries with the highest employment rates in the city are:

  • Healthcare and Social Assistance: The largest sector, with many workers employed as nurses, medical technicians, and mental health professionals.
  • Educational Services: Jobs in schools, colleges, and universities, particularly at St. Cloud State University.
  • Manufacturing: Positions in manufacturing, particularly in food processing and machinery production, also make up a significant portion of the workforce.

These fields typically offer salaries in the range of $40,000 to $60,000 annually, depending on experience and qualifications. St. Cloud is also home to a growing tech sector, with increasing opportunities in software development and IT management.

Indeed – Average Salaries in St. Cloud, MN

Highest Paid Jobs Popular to the Area

In St. Cloud, the highest-paid occupations tend to be in healthcare, particularly in specialties such as physicians, surgeons, and dentists. The highest-paid positions in St. Cloud include:

  • Surgeons: Surgeons in the St. Cloud area can earn upwards of $300,000 annually.
  • Psychiatrists: Mental health specialists also see high earnings, typically around $250,000 or more annually.
  • Pharmacists: Pharmacists in St. Cloud earn an average salary of $130,000 to $150,000 per year.

These positions reflect the city’s emphasis on healthcare and education, which dominate the region’s high-paying job market.

Salary.com – Surgeon Salaries in St. Cloud, MN

Sources

Taxes in St. Cloud, Minnesota

Property Taxes

Property taxes in St. Cloud, Minnesota are determined by the local county, Stearns County, and are based on the assessed value of the property. The average effective property tax rate in St. Cloud is approximately 1.24%, which is higher than the national average of 1.07%. Property taxes in Minnesota are levied by local governments, and the rate can vary depending on the city and county. In St. Cloud, the tax rate for residential properties is typically around 1.00% to 1.25%, depending on the specific location within the city.

The median property tax bill for a homeowner in St. Cloud is approximately $2,600 per year, which is lower than the average for Minnesota, where the median is about $3,000 annually.

Stearns County Property Tax Guide

Sales Taxes

St. Cloud, Minnesota, has a combined sales tax rate of 7.375%. This includes the state sales tax of 6.875%, along with a local sales tax rate of 0.5%. The state sales tax in Minnesota is one of the higher rates in the United States, and St. Cloud’s local sales tax rate is relatively low compared to other cities in the state.

For comparison, the national average sales tax rate is 6.02%, making St. Cloud’s combined rate slightly above the national average. Sales tax is applied to most retail purchases, including goods and some services. However, Minnesota exempts certain items, such as food for home consumption, clothing, and prescription drugs, from sales tax.

Minnesota Department of Revenue – Sales and Use Tax Rates

Income Taxes

Income taxes in St. Cloud are governed by the state of Minnesota. Minnesota uses a progressive income tax system with rates ranging from 5.35% to 9.85%. The state income tax brackets for 2023 are as follows:

  • 5.35% for taxable income up to $27,230 (single) or $38,500 (married)
  • 6.80% for taxable income between $27,231 and $89,440 (single) or $38,501 and $178,880 (married)
  • 7.85% for taxable income between $89,441 and $164,400 (single) or $178,881 and $328,800 (married)
  • 9.85% for taxable income over $164,401 (single) or $328,801 (married)

Compared to other states, Minnesota’s state income tax rates are higher than the national average. The U.S. has an average state income tax rate of around 5%, meaning that residents in St. Cloud are taxed at a higher rate than most other U.S. citizens. However, Minnesota provides a range of deductions and credits that can lower an individual’s tax liability.

Minnesota Department of Revenue – Income Tax Rates

Utility Taxes

St. Cloud, Minnesota, does not levy a specific utility tax. However, residents are subject to standard utility rates, including those for electricity, natural gas, and water. Utility bills may include various fees and charges, such as wastewater treatment fees and stormwater management fees. These fees can vary based on the size of the household or business and the amount of usage. Utility providers in St. Cloud include Xcel Energy for electricity and natural gas, and the City of St. Cloud for water and sewer services.

While utility taxes are not separately imposed, the City of St. Cloud does charge service fees for water, sewer, and stormwater management as part of its utility billing system.

St. Cloud Utility Billing Information

Hotel Occupancy Tax

St. Cloud, Minnesota, applies a local hotel occupancy tax of 3%. This tax is applied to hotel room rentals, with the revenue supporting tourism-related initiatives and local development projects. This rate is relatively typical for the region and is on par with many other cities in Minnesota.

Comparatively, the national average hotel occupancy tax rate is around 6%, meaning St. Cloud’s rate is lower than the U.S. average. The city’s hotel tax helps fund services that promote tourism and attract events to the area.

St. Cloud Area Chamber of Commerce – Visitor Information

Entertainment Taxes

St. Cloud does not have a specific entertainment tax, although Minnesota imposes a sales tax on certain entertainment-related purchases, including admissions to events such as concerts, movies, and sports games. The state sales tax rate of 6.875% applies to these types of purchases. Some cities within Minnesota have additional taxes on entertainment, but St. Cloud does not levy an additional local tax beyond the general state sales tax.

Minnesota Department of Revenue – Entertainment and Sports Taxes

Tax Payment Schedule

Property taxes in St. Cloud are paid on an annual basis with two installments. The first installment is due on May 15th, and the second installment is due on October 15th each year. Taxes can be paid online, by mail, or in person at the Stearns County Government Center.

Income taxes are paid annually by April 15th, in accordance with federal and state tax deadlines. Residents are encouraged to file electronically or use professional tax preparers to ensure timely and accurate filings.

Stearns County Property Tax Payment Information

Penalties for Late Payment

Late payment of property taxes in St. Cloud incurs a penalty. The penalty rate is 1% per month for the first two months and 1.25% per month thereafter. If taxes are not paid by the final due date, interest will continue to accrue. Income tax penalties for late payments in Minnesota are also assessed by the state and include interest rates of 4% annually, plus possible late filing penalties if tax returns are filed after the deadline.

Minnesota Department of Revenue – Penalties and Interest

Where to Pay

Property taxes in St. Cloud can be paid at the Stearns County Government Center or through the Stearns County website. The Minnesota Department of Revenue handles state income tax payments, which can be made online or by mail. Residents can also pay their taxes through various authorized payment centers.

Stearns County – Property Tax Payment Information

Sources

Is St. Cloud, Minnesota a Good Place to Live for Singles?

Events and Activities

St. Cloud, Minnesota, offers a variety of events and activities for singles looking to connect with others or enjoy time on their own. The city hosts annual events like the St. Cloud Area Chamber of Commerce Events, where you’ll find festivals, community gatherings, and seasonal activities such as the Granite City Days Festival, which features music, food, and parades. Additionally, the City of St. Cloud’s Parks and Recreation Department offers recreational events, fitness classes, and outdoor movie nights, ideal for meeting new people and staying active.

The Central Minnesota Arts Board and the Downtown St. Cloud Council also host various art exhibitions, live performances, and cultural events, providing many opportunities for socializing. If you enjoy outdoor activities, the city’s parks and nearby trails are great spots for fitness groups or casual meetups.

Gyms

If staying fit is a priority, St. Cloud offers a wide variety of gyms and fitness centers to suit singles looking for everything from strength training to group fitness classes. Some notable gyms include:

  • YMCA of St. Cloud – A well-known fitness center offering a range of fitness classes, an indoor pool, and opportunities for social events.
  • Fitness Factory St. Cloud – This locally owned gym provides weight training, cardio equipment, and personal training services.
  • 24-Hour Fitness – This gym offers 24/7 access for those with varying schedules.

These gyms cater to individuals looking to stay active and meet other like-minded people. Whether you’re into yoga, swimming, or high-intensity interval training (HIIT), there’s a gym to match your lifestyle.

Housing

St. Cloud offers a range of housing options for singles, including apartment complexes, rental homes, and shared housing. Rental prices in the city are relatively affordable compared to larger urban centers in Minnesota. The median rent for a one-bedroom apartment in St. Cloud is about $900 to $1,200 per month, depending on the neighborhood and amenities. Popular apartment complexes in the area include:

For singles, living close to the St. Cloud State University campus is a popular option, offering proximity to a variety of restaurants, coffee shops, and events, along with a youthful, energetic atmosphere.

Percentage of Single Residents

According to the U.S. Census Bureau, approximately 41% of adults in St. Cloud are single, either never married, divorced, or widowed. This is slightly higher than the Minnesota state average of 39%. The percentage of unmarried individuals provides a larger pool of potential connections for singles, whether through social events, online dating, or meeting new people at local activities.

For a breakdown of this data, you can visit the U.S. Census Bureau’s QuickFacts for St. Cloud.

Comparison to State and National Averages

When compared to the Minnesota state average, St. Cloud has a slightly higher percentage of single residents, suggesting it may be more conducive to a social lifestyle. Nationally, the percentage of single residents is approximately 42%, so St. Cloud’s single population is in line with national averages, making it a great place for singles to live and connect.

Additionally, compared to other regions in Minnesota, St. Cloud offers relatively affordable housing, diverse activities, and an engaging social atmosphere that appeals to singles.

Sources

Is St. Cloud, Minnesota Good for Families?

St. Cloud, Minnesota, is an appealing place for families due to its balance of affordability, access to quality education, family-friendly activities, and a relatively low crime rate. With a mix of affordable housing options, diverse recreational spaces, and a variety of family-oriented events throughout the year, St. Cloud offers a comfortable living environment for those raising children. The city also has a solid employment market, especially in sectors like healthcare, education, and retail, providing ample job opportunities for parents looking to settle in the area.

Parks and Family Activities

St. Cloud is home to numerous parks and outdoor spaces that families can enjoy year-round. The City of St. Cloud Parks and Recreation Department manages over 70 parks, offering everything from sports fields and playgrounds to walking trails and picnic areas. Popular family-friendly spots include Bentley Park and Heritage Park, both of which feature spacious green areas, walking paths, and opportunities for family activities. The Legacy Park is also a great location for families, offering a large splash pad, a playground, and year-round events. The St. Cloud Events Calendar regularly features family-friendly festivals and seasonal activities, such as the annual Winter Nights & Lights Parade and Summer Concert Series, which are perfect for spending quality time with children.

Restaurants

St. Cloud offers a variety of dining options perfect for families, including diverse cuisines that cater to different tastes. Whether you’re craving comfort food or something new, here are a few options:

Housing

St. Cloud offers a variety of housing options for families, with many single-family homes located in quiet, residential neighborhoods. The median home price in St. Cloud is approximately $250,000, making it a more affordable place to purchase a home compared to larger metropolitan areas in Minnesota. The city features a mix of historic homes, new construction, and family-friendly communities with easy access to schools, parks, and shopping centers. Families often choose neighborhoods close to St. Cloud State University for the convenience of nearby amenities and a vibrant atmosphere.

For more information on homes for sale in St. Cloud, check out listings on Zillow – St. Cloud Homes for Sale.

Percentage of Family Residents

According to the U.S. Census Bureau, approximately 52% of households in St. Cloud are family households. This figure is close to the Minnesota state average of 54% and higher than the national average of 50%. The proportion of families in St. Cloud indicates a community that is largely made up of parents and children, making it an attractive destination for those looking to raise a family in a supportive and family-oriented environment.

For more detailed information on the demographics of St. Cloud, you can refer to the U.S. Census Bureau’s QuickFacts for St. Cloud.

Comparison to State and National Averages

St. Cloud has a similar family household percentage compared to the state of Minnesota and the national average. The area’s affordable housing, parks, and local amenities make it a desirable location for families. St. Cloud’s lower cost of living and proximity to Minneapolis-St. Paul make it an attractive option for families looking for a smaller-town feel with access to big-city resources.

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How are the schools in St. Cloud, Minnesota?

St. Cloud, Minnesota, offers a wide range of educational opportunities for children, from early childhood education through to higher education. The public school system in St. Cloud, managed primarily by the St. Cloud Area School District 742, includes a variety of elementary, middle, and high schools, with a strong focus on preparing students for post-secondary education or the workforce. Schools in the district receive funding through local taxes, state support, and federal grants. St. Cloud schools generally perform well academically, with many students achieving state average or above-average standardized test scores. The district also provides various support services, including special education, bilingual programs, and extracurricular activities. The city’s higher education options include St. Cloud State University, which provides a range of undergraduate and graduate degree programs. Overall, St. Cloud’s schools are a solid choice for families looking for quality education, though there are variations in performance across different schools within the district.

Pre-K Schools

Pre-K education in St. Cloud is primarily offered through public and private options. The St. Cloud State University Early Childhood Education Program offers a variety of educational services for young children, including preschool options, with a focus on developmentally appropriate practices. Additionally, the St. Cloud Area School District 742 Early Childhood Education program provides preschool opportunities to help prepare children for kindergarten, offering both part-time and full-time options depending on the family’s needs. These early childhood education programs help establish a strong foundation for young learners in St. Cloud.

Kindergarten Schools

Kindergarten education in St. Cloud is provided through the St. Cloud Area School District 742. Most elementary schools within the district, such as Roosevelt Elementary School and Clearview Elementary School, offer full-day kindergarten programs designed to provide children with the fundamental skills they need for future academic success. In St. Cloud, there is a high level of focus on literacy, mathematics, and social-emotional learning, helping students make a smooth transition from early childhood education to elementary schooling.

Elementary Schools

The St. Cloud Area School District has a variety of elementary schools for children from kindergarten through fifth grade. Some of the notable elementary schools in the area include:

  • American Indian Magnet School – Offers a culturally enriched curriculum designed to incorporate Native American culture and values into students’ education.
  • Lincoln Elementary School – Known for its inclusive environment and focus on student-centered learning, Lincoln provides an academically rigorous program with an emphasis on developing critical thinking skills.
  • Waite Park Elementary School – Offers a well-rounded curriculum with an emphasis on STEM (science, technology, engineering, and math) education.

Middle Schools

Middle schools in St. Cloud serve students in grades 6 through 8. Two of the key middle schools in the area include:

  • North Junior High School – Provides a well-rounded curriculum with various electives, extracurricular activities, and special programs in the arts and sciences.
  • South Junior High School – Known for its academic rigor and commitment to preparing students for high school, South Junior High also offers a variety of extracurricular programs and sports.

High Schools

St. Cloud is home to several high schools offering a broad array of academic and extracurricular opportunities. These schools provide a solid foundation for students preparing for college or the workforce:

  • St. Cloud High School – The largest high school in the district, St. Cloud High offers Advanced Placement (AP) courses, a wide range of extracurriculars, and a robust athletic program.
  • Sartell High School – Known for its emphasis on college readiness, Sartell High offers strong STEM programs and a variety of college-credit opportunities through partnerships with local colleges and universities.

Colleges & Universities

St. Cloud also offers several higher education institutions that serve the region’s students:

  • St. Cloud State University – A comprehensive public university offering a wide range of undergraduate and graduate programs, St. Cloud State is one of Minnesota’s largest public universities. The university is known for its strong programs in business, education, engineering, and the arts.
  • Minnesota School of Business – St. Cloud – Focused on career-oriented education, this institution offers degrees in business, healthcare, and technology fields.

Churches in St. Cloud, Minnesota

Conclusion: Why you should consider moving to St. Cloud, Minnesota

St. Cloud, Minnesota offers a unique blend of small-town charm and big-city amenities, making it an ideal destination for those seeking a balanced, fulfilling lifestyle. The city boasts a strong sense of community, affordable housing, and a low cost of living, all while offering easy access to top-rated schools, a variety of parks, and diverse recreational activities. With a growing job market and a well-established local economy, St. Cloud provides ample opportunities for both career growth and personal development. Whether you’re looking to settle down in a safe, family-friendly environment or enjoy the vibrant cultural and social scene, St. Cloud has something to offer everyone. With its welcoming atmosphere, excellent services, and great quality of life, it’s no wonder that more and more people are choosing to call St. Cloud home.