Saint Cloud, MN · standard

ZIP Code 56301

Stearns County, Minnesota — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

32,434
169/sq mi
$73,142
Median income
$288,600
Median home value
32.0%
Bachelor's or higher

The verdict

Saint Cloud pairs an above-median household income with above-median home values, in a rural, mixed-tenure area.

Top 48%
household income, US ZIPs
Top 35%
home value, US ZIPs
169
people per sq mi
51%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 56301 against every reporting US ZIP.

ZIP code 56301 is classified by USPS as a standard delivery area and covers roughly 192.1 square miles in Saint Cloud, Stearns County, Minnesota. The area is home to 32,434 residents, producing a population density of 169 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 56301 against Minnesota and the nation.

On the economic side, the median household income for ZIP 56301 sits at $73,142 (11% below the Minnesota average), while per-capita income is $34,316. The poverty rate stands at 20.6% and the unemployment rate at 6.8%. On housing, the median home value is $288,600 (13% above the state average) with median rent at $1,151 per month, and 50.9% of occupied units are owner-occupied, a direct signal of whether 56301 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 32.0% of adults hold a bachelor's degree or higher, the median age is 27.1, and the average commute is 20 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Stearns County, so you can benchmark 56301 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 56301

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 56301.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 56301, Saint Cloud, MN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

32,434

Population

192.1

Area (sq mi)

169

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 56301?

27.1

Median Age

51.5%

Male

48.5%

Female

16.9%

Foreign-Born

White 65.0%
African American 21.8%
Asian 4.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 5.9%
Hispanic or Latino 5.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$73,142

Median Household Income

-11% vs state

$34,316

Per Capita Income

20.6%

Poverty Rate

6.8%

Unemployment Rate

19.9 min

Mean Commute Time

How ZIP 56301 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$73,142 Top 48% higher than 52% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.6%
Bachelor's Degree or Higher 32.0%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

13,573

Total Housing Units

12,609

Occupied Units

964

Vacant Units

2.62

Avg Household Size

Occupancy Type

Owner 50.9%
Renter 49.1%

$288,600

Median Home Value

+13% vs state

$1,151

Median Rent

1985

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+1.6%

YoY Change (2024)

202

HPI Index (2000 = 100)

+102%

Total Change Since 2000

Home values in ZIP 56301 have increased 1.6% over the past year (2024). Since 2000, this ZIP has seen +102% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.3% 148
2021 +11.3% 165
2022 +11.1% 183
2023 +8.3% 199
2024 +1.6% 202

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,194 business establishments in ZIP 56301, employing approximately 20,554 people with a combined annual payroll of $1,087,592,000.

1,194

Businesses

20,554

Employees

$1.1B

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Retail trade 220 18.4%
Health care and social assistance 145 12.1%
Other services (except public administration) 127 10.6%
Accommodation and food services 126 10.6%
Finance and insurance 109 9.1%
Professional, scientific, and technical services 90 7.5%
Construction 79 6.6%
Real estate and rental and leasing 68 5.7%
Administrative and support and waste management and remediation services 57 4.8%
Wholesale trade 48 4.0%
Manufacturing 29 2.4%
Transportation and warehousing 26 2.2%
Information 24 2.0%
Arts, entertainment, and recreation 19 1.6%
Educational services 15 1.3%
Management of companies and enterprises 4 0.3%
Agriculture, forestry, fishing and hunting 3 0.3%
Utilities 3 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 56301 vs 56387 →

ZIP 56301 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 56301 ranks the most populous — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 56301 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 56301 ranks #3 of 5 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
56387 Waite Park, MN 6,734 3.1 mi
56303 Saint Cloud, MN 25,984 6.1 mi
56369 Rockville, MN 528 5.2 mi
56374 Saint Joseph, MN 9,868 9.4 mi

More ZIP Codes in Stearns County

Frequently Asked Questions

What county is ZIP code 56301 in?
ZIP code 56301 (Saint Cloud) is located in Stearns County, Minnesota. Stearns County contains multiple ZIP codes, see the full list at /counties/stearns-mn.
What is the population of ZIP code 56301?
ZIP code 56301 in Saint Cloud, MN has a population of 32,434 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 56301?
The median household income in ZIP 56301 is $73,142, which is 4% below the national average of $76,288.
What is the average home value in ZIP 56301?
The median home value in ZIP 56301 is $288,600, which is 4% above the national average of $278,155.
What is the demographic makeup of ZIP 56301?
The largest racial group in ZIP 56301 is White at 65.0%. Hispanic or Latino residents make up 5.3% of the population.
How many businesses are in ZIP code 56301?
ZIP code 56301 has 1,194 business establishments employing approximately 20,554 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 56301?
The top industries by establishment count in ZIP 56301 are: Retail trade (220), Health care and social assistance (145), Other services (except public administration) (127). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 56301?
According to the FHFA House Price Index, home values in ZIP 56301 increased by 1.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 102%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 56301?
In ZIP code 56301, 54.6% of residents aged 25+ have a high school diploma or higher, and 32.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 56301?
The mean commute time for workers in ZIP code 56301 is 19.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 56301?
In ZIP code 56301, approximately 50.9% of occupied housing units are owner-occupied and 49.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 56301?
The poverty rate in ZIP code 56301 is 20.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Saint Cloud, MN

Verify and explore additional data for this area using these official government sources.