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.
- Retail trade
Retail trade
220 establishments
- Health care and social assistance
Health care and social assistance
145 establishments
- Other services (except public administration)
Other services (except public administration)
127 establishments
- Accommodation and food services
Accommodation and food services
126 establishments
- Finance and insurance
Finance and insurance
109 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, 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
Who lives in ZIP 56301?
27.1
Median Age
51.5%
Male
48.5%
Female
16.9%
Foreign-Born
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
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?
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
$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)
How have home values changed over time?
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.
- 56301
Saint Cloud (56301)
32,434 residents
- 56303
Saint Cloud (56303)
25,984 residents
- 56374 9,868
Saint Joseph (56374)
9,868 residents
- 56387 6,734
Waite Park (56387)
6,734 residents
- 56369 528
Rockville (56369)
528 residents
What this shows Among its immediate neighbors, ZIP 56301 ranks the most populous — useful context the national average alone can't give.
ZIP 56301 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 56369
Rockville (56369)
$98,077 median income
- 56374
Saint Joseph (56374)
$80,156 median income
- 56301
Saint Cloud (56301)
$73,142 median income
- 56303
Saint Cloud (56303)
$65,198 median income
- 56387
Waite Park (56387)
$59,009 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.
More ZIP Codes in Stearns County
Related Areas
Frequently Asked Questions
What county is ZIP code 56301 in? ▼
What is the population of ZIP code 56301? ▼
What is the median household income in ZIP 56301? ▼
What is the average home value in ZIP 56301? ▼
What is the demographic makeup of ZIP 56301? ▼
How many businesses are in ZIP code 56301? ▼
What are the main industries in ZIP code 56301? ▼
How have home values changed in ZIP code 56301? ▼
What is the education level in ZIP code 56301? ▼
What is the average commute time in ZIP 56301? ▼
What percentage of residents own vs. rent in ZIP 56301? ▼
What is the poverty rate in ZIP code 56301? ▼
ZIP Code Research Guides
Official Data Resources for Saint Cloud, MN
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.