St. Cloud, MN metro area
The St. Cloud metro area, officially St. Cloud, MN, is home to 205,854 people, up 2.7% since 2021. In 2025 its typical household earned $81,240, below the U.S. median of $84,780, and the median rent was $1,129 a month.
Compare St. Cloud with another metro ↗ See the national rent report ↗
What it takes to live here
Rent and home prices measured against what local households earn.
To keep rent at the common guideline of 30% of income, a household would need about $45,200 a year to afford the median rent in the St. Cloud area (U.S.: $62,300). In practice, the typical renter here spends 27.2% of household income on rent, the 338th highest share of 393 metro areas, and 45% of renter households pay 30% or more (U.S.: 52%).
For buyers, the median home value of $300,600 is 3.7 times the median household income, compared with 4.4 times nationally, which is relatively affordable by national standards.
How it has changed
Change since 2021 compared with the whole United States.
Since 2021, rent in the St. Cloud area has risen +31.7% while household income changed +23.8%. Rents have outpaced incomes, so renting has become less affordable.
| 2021 | 2024 | 2025 | Change since 2021 | |
|---|---|---|---|---|
| Median household income | $65,641 | $75,688 | $81,240 | +23.8% |
| Median rent | $857 | $1,039 | $1,129 | +31.7% |
| Median home value | $231,700 | $289,200 | $300,600 | +29.7% |
| Population | 200,406 | 205,878 | 205,854 | +2.7% |
Who lives and works here
Education, jobs and commuting compared with the national picture.
| St. Cloud | United States | |
|---|---|---|
| Median age | 36.5 | 39.5 |
| Adults 25+ with a bachelor’s degree or higher | 31.4% | 37.4% |
| Unemployment rate | 4.2% | 4.9% |
| Poverty rate | 11.9% | 11.8% |
| Workers who work from home | 8.3% | 12.9% |
| Average one-way commute | 24.2 min | 27.4 min |
| Households that rent | 28% | 35% |
Where St. Cloud ranks
Position among all 393 U.S. metropolitan areas with 2025 1-year data.
| Measure | Rank among 393 U.S. metro areas |
|---|---|
| Median household income | 146th highest |
| Median rent | 275th highest |
| Median home value | 202nd highest |
| Rent as share of income | 338th highest |
| Population | 234th largest |
| Population growth since 2021 | 169th fastest |
Similar-sized metro areas
The metros closest in population, side by side.
| Metro area | Income | Rent | Home value | Rent / income |
|---|---|---|---|---|
| St. Cloud, MN | $81,240 | $1,129 | $300,600 | 27.2% |
| Springfield, IL | $79,243 | $970 | $211,600 | 28.3% |
| Mayagüez, PR | $23,495 | $514 | $118,400 | 32.8% |
| Auburn, AL | $66,258 | $1,170 | $291,600 | 38.1% |
| Warner Robins, GA | $76,253 | $1,350 | $254,000 | 28.6% |
| Elkhart, IN | $73,432 | $1,160 | $248,000 | 31.1% |
| Joplin, MO | $65,889 | $999 | $211,000 | 29.5% |
St. Cloud at a glance
What salary do you need to live in St. Cloud?+
To pay the 2025 median rent of $1,129 a month while spending no more than 30% of income on rent, a household needs about $45,200 a year. The median household income in the St. Cloud metro area is $81,240.
How much is rent in St. Cloud?+
The median gross rent (rent plus utilities) in the St. Cloud metro area was $1,129 a month in 2025, according to the Census Bureau, compared with $1,557 nationally. It has changed +31.7% since 2021.
Is St. Cloud affordable?+
Renters in the St. Cloud area spend a median 27.2% of income on rent (U.S. 30.9%), and the median home costs 3.7 times the median income (U.S. 4.4). By both measures it is more affordable than the national average.
What is the median household income in St. Cloud?+
$81,240 in 2025, +23.8% since 2021. That ranks 146th of 393 U.S. metro areas.
Source: U.S. Census Bureau, American Community Survey 2025 1-year estimates (released September 2026), with 2024 and 2021 for trends. Figures are survey estimates with margins of error; small differences between metros may not be meaningful. Metro areas use the official Metropolitan Statistical Area boundaries. Compiled and analyzed by Metro Research. Methodology.