Residential delivery area · Minnesota
ZIP Code 56304: Saint Cloud, MN
ZIP code 56304 uses the postal name Saint Cloud, Minnesota and lies mostly in Sherburne County (87% of its land) with the rest in Benton County (Census 2020 ZIP-county file). About 17,000 people live there (Census Bureau, ACS 2020-2024), the least populous of Saint Cloud's 3 residential ZIP codes. Median household income is $58,148 (Census Bureau, ACS 2020-2024). By Census place, 14% of its land lies in St. Cloud; 87% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saint Cloud · 3 residential ZIPs
- County
- Sherburne County (87%); Benton County (13%)
- Census places
- St. Cloud
- Metro area
- Minneapolis-St. Paul-Bloomington, MN-WI
- House district
- MN-6 119th Congress
- State
- Minnesota
- Time zone
- Central
- Land area
- 60.6 sq mi · 288 people per sq mi
- PO Box ZIPs
- 8 more ZIP codes use the name Saint Cloud for PO boxes or single organizations
Where is ZIP code 56304?
56304 centers on 45.530°, -94.057° and covers 60.6 square miles of land plus 2.1 of water. It borders 5 ZIP codes: 55319, 56379, 56303, 56301, 56329.
The map draws ZIP code areas only. For the streets inside 56304, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 56304 compare with the rest of Saint Cloud?
| Measure | 56304 | In Saint Cloud | In Sherburne County | In MN |
|---|---|---|---|---|
| People (ACS 2020-2024) | 17,473 | 3rd of 3 | 5th of 7 | 117th of 881 |
| Median household income | $58k | 3rd of 3 | 7th of 7 | 517th of 545 |
| Median home value | $252k | 2nd of 3 | 7th of 7 | 326th of 558 |
Its median household income is higher than in 26% of U.S. residential ZIP codes, and it is denser than 67% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 56304?
The 2020 Census counted 17,020 people in 56304; the ACS, which samples households over 2020-2024, estimates 17,473. Between the 2010 and 2020 censuses its population grew 6.2% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 17,473
- 2020 Census count
- 17,020+6.2% since 2010 (16,020)
- Households
- 7,134
- Median age
- 32.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 56304?
Of the 17,473 people the ACS estimates in 56304, 23.3% are under 18 and 13.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (62.0%), then Black (not Hispanic) (22.5%).
- Under 1823.3%
- 18 to 6463.3%
- 65 and older13.4%
- White, not Hispanic62.0%
- Black, not Hispanic22.5%
- Other or two or more7.3%
- Hispanic or Latino4.1%
- Asian, not Hispanic4.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 56304 earn?
Median household income is $58,148 (ACS 2020-2024), the 7th highest of the 7 ranked ZIP codes in Sherburne County. It is not measurably different from 2015-2019 ($61,248 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $58,148
- Income per person
- $31,477
- Below the poverty line
- 16.5%
- Unemployed (of the labor force)
- 7.4%
- Adults 25+ with a bachelor's degree
- 28.4%
- Adjusted gross income per tax return, 2022
- $57,9267,890 returns; wages 70% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 56304?
FHFA's house price index for 56304, built from repeat sales and appraisals of the same homes, rose 70% from 2015 to 2025 and rose 38% from 2020 to 2025, and moved −1.3% in 2025.
- Median home value (owners' estimate)
- $251,500
- Median gross rent
- $956
- Homes owned by their occupants
- 41.4%
- Housing units
- 7,494
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 56304?
306 business establishments had a location in this ZIP code in 2023, 8 fewer than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance50
- Construction43
- Retail trade38
- Other services (except public administration)36
- Manufacturing21
- Accommodation and food services21
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 56304?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 55319 | Clear Lake | 5,185 | $112k | 6.5 mi |
| 56379 | Sauk Rapids | 17,607 | $76k | 7.7 mi |
| 56303 | Saint Cloud | 25,827 | $65k | 8.2 mi |
| 56301 | Saint Cloud | 35,580 | $73k | 9.5 mi |
| 56329 | Foley | 7,778 | $93k | 14.1 mi |
| 56387 | Waite Park | 7,756 | $59k | 9.0 mi (near) |
| 55320 | Clearwater | 5,998 | $114k | 9.4 mi (near) |
| 56377 | Sartell | 21,063 | $87k | 11.2 mi (near) |
| 56374 | Saint Joseph | 10,029 | $80k | 12.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.