Median Income
$34,792
54% lower than US avg
Home Value
$183,300
35% lower than US avg
Violent Crime
495/100K
30% higher than US avg
Bachelor's+
3.2%
91% lower than US avg
Median Rent
$963
17% lower than US avg
Obesity Rate
41.3%
29% higher than US avg
Unemployment
6.5%
81% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How St. Cloud Compares to the U.S. Average (100% = U.S. avg)
People
Population31
Median Age63.7 yrs
Density25/mi²
Male / Female61% / 39%
Largest GroupWhite 100%
Veterans31.0%
Economy
B
Median Income$34,792
Per Capita$28,874
Unemployment6.5%
Poverty0.0%
Commute43 min
Housing
B+
Home Value$183,300
Rent$963
Ownership70.6%
Zillow$154,688
Housing Units8
Rent Burden51.0%
Crime
F
Violent495/100K
Property2,103/100K
Health
Obesity41.3%
Smoking21.0%
Depression27.4%
Heart Disease6.1%
Climate
Avg Temp55°F (13°C)
AQI41 (Good)
Rain40.5 in/yr
Sunny Days263/yr
Elevation974 ft (297 m)
Education
F
Bachelor's+3.2%
High School+64.5%
Graduate+0.0%
School Score5.51
Community
2024 VoteR 77% / D 22%
Commute43 min
Broadband17.0%
EV Stations6
Is St. Cloud a Good Place to Live?
Based on current data, St. Cloud receives an overall livability score of 2.2 out of 5.0, earning a grade of C. Key strengths include affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include elevated crime rates, above-average unemployment, below-average incomes. St. Cloud has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in St. Cloud is $34,792, 54% below the national average of $75,149. The unemployment rate of 6.5% is somewhat elevated compared to the national rate of 3.6%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 43 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in St. Cloud is $183,300, 35% below the national median / offering relatively affordable homeownership. Renters pay a median of $963 per month, below the national average / a plus for affordability. The price-to-income ratio of 5.3x means housing costs are stretched relative to local earnings.
Safety & Crime
The violent crime rate of 495 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 2,103 per 100,000, near the national average.
Education
3.2% of residents hold a bachelor's degree, below the national average of 33.7%. 64.5% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
St. Cloud experiences four distinct seasons with an average temperature of 55°F. Winters average 29°F in January while summers reach 77°F in July. With 263 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.5 inches, including 7.0 inches of snow. Air quality is rated Good with a median AQI of 41.
St. Cloud has a population of 31 with a density of 25 people per square mile, spread across 1.2 square miles. The median age is 63.7 years, 64% older than the national median of 38.9. The gender split is 38.7% female and 61.3% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 31.0% of the population are veterans, above the national rate of 6.0%. 10.5% of residents have a disability. 47.4% have health insurance coverage.
Population
63.7yrs
Median Age
64% above US avg
Race & Ethnicity
St. Cloud vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
St. Cloud vs U.S. Average
The median household income in St. Cloud is $34,792, which is 54% below the national average of $75,149. Per capita income is $28,874 (below the $39,052 national figure). The unemployment rate is 6.5% (above the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The cost of living index is 90.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 43 minutes (longer than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income: St. Cloud vs U.S.
Income
| Median HH Income | $34,792 |
| 54% below US avg |
| Per Capita Income | $28,874 |
Employment & Poverty
| Unemployment | 6.5% |
| 81% above US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
Tax & Cost of Living
| |
| Cost of Living | 90.80 (100=avg) |
Commute & Transportation
| Commute Time | 43.2 min |
| Drive Alone | 71.4% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in St. Cloud is $183,300, 35% below the national median of $281,900. Zillow estimates the typical home value at $154,688, lower than the Census estimate. Monthly rent averages $963 (17% below the national average of $1,163). Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. 70.6% of housing units are owner-occupied. There are 8 total housing units in the city. The median year a home was built is 1980. 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 5.3x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $183,300 |
| 35% below US avg |
| Zillow ZHVI | $154,688 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $963 |
| 17% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $732 |
| 1 Bedroom | $775 |
| 2 Bedrooms | $970 |
| 3 Bedrooms | $1,265 |
| 4 Bedrooms | $1,457 |
Ownership & Property
| Homeownership | 70.6% |
| Owner-Occupied | 70.6% |
| Renter-Occupied | 29.4% |
| Housing Units | 8 |
| Median Year Built | 1980 |
Property Tax
In St. Cloud, 41.3% of adults are obese, above the national rate of 32.1%. 10.8% have diabetes. Heart disease affects 6.1% of residents. 32.3% have high blood pressure. 21.0% are current smokers (above the 14.0% national rate). 18.3% report binge drinking. 31.8% are physically inactive, above the national average. 27.4% report depression (above the 20.0% national average). 20.7% experience frequent mental distress.
Health Metrics: St. Cloud vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.3% |
| 29% above US avg |
| Diabetes | 10.8% |
| Heart Disease | 6.1% |
| High Blood Pressure | 32.3% |
| Asthma | 11.3% |
| COPD | 8.8% |
| Cancer | 7.3% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 21.0% |
| 50% above US avg |
| Binge Drinking | 18.3% |
| Physical Inactivity | 31.8% |
| Depression | 27.4% |
| Mental Distress | 20.7% |
| Physical Distress | 15.7% |
| Short Sleep | 41.1% |
Healthcare Access
| Insurance Rate | 47.4% |
| |
| Checkup Rate | 74.9% |
| Dental Visits | 52.0% |
Food & Exercise
St. Cloud has a violent crime rate of 495 per 100,000 residents, 30% above the national average of 380. Property crime stands at 2,103 per 100,000, 7% above the U.S. average. Overall, St. Cloud receives a safety grade of F.
Crime Rates: St. Cloud vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 494.7/100K |
| 30% above US avg |
| |
Property Crime
| Total Property | 2,102.7/100K |
| 7% above US avg |
Traffic Safety
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. Cloud experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 29°F in January while summers reach 77°F in July. The area gets 263 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.5 inches. The area receives 7.0 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 974 feet.
Temperature
29°F Jan (-1°C)
77°F Jul (25°C)
| Annual Average | 54.7°F |
| 1% above US avg |
| January Average | 29°F (-1°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 263 days/yr |
Geography
| Elevation | 974 ft (297 m) |
| Area | 1.2 sq mi (3.2 km²) |
| Population Density | 25/sq mi |
| Coordinates | 38.1748°N, 91.2109°W |
| Timezone | America/Chicago |
| Nearest Airport | Farmington Regional (FAM)
51 miles away |
Precipitation & Snow
Annual Rainfall
40.5"
7% above US avg
Wettest Month (May)
4.61"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Earthquake History
34 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.6 on Sep 19, 2024.
| Jun 7, 2011 |
18 km NNW of Potosi, Missouri |
M3.9 |
29 km |
| Jul 31, 2005 |
Missouri |
M3.3 |
145 km |
| Aug 27, 1993 |
5 km SSE of Olympian Village, Missouri |
M3.3 |
68 km |
| Jan 21, 1992 |
5 km SE of Linn Creek, Missouri |
M3.1 |
129 km |
| May 18, 2006 |
9 km SSE of De Soto, Missouri |
M2.9 |
62 km |
| Jul 8, 2003 |
1 km N of Leasburg, Missouri |
M2.9 |
11 km |
| May 21, 2012 |
6 km SW of Williamsville, Missouri |
M2.9 |
149 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
74 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
78 km |
| Sep 13, 1997 |
3 km SSE of Darmstadt, Illinois |
M2.8 |
132 km |
| Aug 26, 1992 |
5 km W of Frohna, Missouri |
M2.8 |
147 km |
| Jul 31, 1995 |
8 km SSW of Caledonia, Missouri |
M2.8 |
64 km |
| Nov 5, 1996 |
11 km SW of Marquand, Missouri |
M2.7 |
122 km |
| Jul 22, 1998 |
12 km NE of Mine La Motte, Missouri |
M2.7 |
105 km |
| Nov 12, 1996 |
15 km SSE of Olympian Village, Missouri |
M2.7 |
74 km |
| Jul 15, 1990 |
7 km SW of Potosi, Missouri |
M2.7 |
46 km |
| Jun 16, 1993 |
2 km SE of Longtown, Missouri |
M2.7 |
140 km |
| Oct 26, 1998 |
10 km NE of Van Buren, Missouri |
M2.7 |
126 km |
| Sep 5, 2015 |
5 km SE of High Ridge, Missouri |
M2.7 |
70 km |
| Feb 14, 2019 |
11 km WSW of Mountain View, Missouri |
M2.6 |
147 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
433 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 59 fatalities, 966 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 22, 2011 |
EF4 |
89 km |
0 |
| Jun 22, 1969 |
EF4 |
27 km |
2 |
| Jun 22, 1969 |
EF4 |
76 km |
4 |
| Dec 21, 1967 |
EF4 |
56 km |
3 |
| Jan 24, 1967 |
EF4 |
80 km |
3 |
| Feb 10, 1959 |
EF4 |
66 km |
21 |
| Feb 24, 1956 |
EF4 |
40 km |
6 |
| Dec 10, 2021 |
EF3 |
54 km |
1 |
| Oct 24, 2021 |
EF3 |
88 km |
0 |
| May 31, 2013 |
EF3 |
70 km |
0 |
| Dec 31, 2010 |
EF3 |
74 km |
1 |
| Dec 31, 2010 |
EF3 |
58 km |
2 |
| Jan 7, 2008 |
EF3 |
78 km |
0 |
| Jan 7, 2008 |
EF3 |
80 km |
0 |
| Mar 13, 2006 |
EF3 |
98 km |
0 |
| Mar 13, 2006 |
EF3 |
76 km |
0 |
| Mar 11, 2006 |
EF3 |
77 km |
0 |
| Jun 1, 1999 |
EF3 |
45 km |
0 |
| Nov 15, 1988 |
EF3 |
83 km |
0 |
| Apr 29, 1984 |
EF3 |
90 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: MINNINGHAW (4,792 ac, 2011).
| Year |
Name |
Acres |
Distance |
| 2011 |
MINNINGHAW |
4,792 |
80 km |
| 2017 |
UNNAMED |
4,602 |
81 km |
| 2023 |
ELM SPRINGS RX |
4,378 |
78 km |
| 2022 |
SMITH MILL HOLLOW |
3,978 |
30 km |
| 2021 |
KAINTUCK |
3,325 |
72 km |
| 2005 |
UNNAMED |
3,252 |
83 km |
| 2021 |
COUNCIL BLUFF |
3,035 |
56 km |
| 2022 |
LITTLE CREEK |
3,004 |
83 km |
| 2021 |
HODGE HOLLOW |
2,922 |
79 km |
| 2024 |
COUNCIL BLUFF WEST RX |
2,846 |
56 km |
| 2005 |
UNNAMED |
2,831 |
73 km |
| 2005 |
UNNAMED |
2,751 |
49 km |
| 2019 |
UNNAMED |
2,688 |
27 km |
| 2010 |
COUNCIL BLUFF LAKE |
2,651 |
57 km |
| 2022 |
MINNINGHAW |
2,516 |
79 km |
| 2006 |
UNNAMED |
2,512 |
57 km |
| 2021 |
THOMPSON HOLLOW |
2,479 |
87 km |
| 2019 |
UNNAMED |
2,399 |
83 km |
| 2024 |
KAINTUCK SOUTH RX |
2,387 |
75 km |
| 2024 |
UNNAMED |
2,335 |
79 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
29°F (-1°C) |
1.9 in |
Coldest, Driest |
| February |
35°F (2°C) |
2.1 in |
|
| March |
45°F (7°C) |
3.6 in |
|
| April |
55°F (13°C) |
3.8 in |
|
| May |
64°F (18°C) |
4.6 in |
Wettest |
| June |
72°F (22°C) |
3.9 in |
|
| July |
77°F (25°C) |
3.7 in |
Warmest |
| August |
76°F (24°C) |
3.5 in |
|
| September |
68°F (20°C) |
3.7 in |
|
| October |
57°F (14°C) |
3.3 in |
|
| November |
45°F (7°C) |
3.5 in |
|
| December |
34°F (1°C) |
3.0 in |
|
St. Cloud has a seasonal temperature swing of 48°F / from 29°F in January to 77°F in July. Total annual precipitation is 40.5 inches, with May being the wettest month (4.6") and January the driest (1.9").
Average costs for common services in St. Cloud. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$227 ($136–$363) |
| Specialist Visit |
$318 ($182–$499) |
| Urgent Care Visit |
$182 ($91–$318) |
| Emergency Room Visit |
$1,998 ($726–$4,540) |
| Dental Cleaning |
$118 ($68–$182) |
| Dental Filling |
$227 ($136–$363) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$109) |
| Brake Pad Replacement |
$272 ($136–$454) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$545 ($363–$908) |
| Battery Replacement |
$182 ($91–$318) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$91 ($54–$136) |
| Electrician (Per Hour) |
$82 ($45–$127) |
| HVAC Repair |
$363 ($136–$726) |
| HVAC System Install |
$6,356 ($3,632–$10,896) |
| Roof Repair |
$908 ($363–$1,816) |
| Roof Replacement |
$8,172 ($4,994–$13,620) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,362 ($454–$3,178) |
| Divorce (Contested) |
$13,620 ($4,540–$27,240) |
| DUI Defense |
$4,540 ($1,816–$9,080) |
| Bankruptcy (Chapter 7) |
$1,362 ($726–$2,724) |
| Will Preparation |
$454 ($182–$908) |
| Trust Preparation |
$2,270 ($908–$4,540) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$91) |
| Hair Coloring (Full) |
$136 ($68–$227) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$73 ($45–$118) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.72 ($2.72–$4.99) |
| Dozen Eggs (per dozen) |
$3.18 ($2.27–$4.54) |
| Loaf of Bread |
$3.45 ($2.27–$4.99) |
| Chicken Breast (per lb) |
$4.09 ($2.72–$5.90) |
| Ground Beef (per lb) |
$4.99 ($3.63–$6.81) |
| Rice (per lb) |
$0.91 ($0.54–$1.63) |
View all 20 services
Utilities
| Electricity (Monthly) |
$127 ($73–$227) |
| Natural Gas (Monthly) |
$64 ($27–$136) |
| Water/Sewer (Monthly) |
$64 ($36–$109) |
| Internet (Monthly) |
$64 ($36–$91) |
| Cell Phone Plan (Monthly) |
$59 ($27–$91) |
| Cable TV (Monthly) |
$77 ($45–$136) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$182 ($68–$454) |
| Car Insurance (Annual) |
$1,816 ($1,090–$3,178) |
| Bus Pass (Monthly) |
$64 ($27–$118) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.26–$23) |
| Car Registration (Annual) |
$91 ($27–$227) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,090 ($545–$2,270) |
| Daycare (Toddler, Monthly) |
$908 ($454–$1,816) |
| After-School Care (Monthly) |
$363 ($182–$636) |
| Tutoring (Per Hour) |
$45 ($23–$91) |
| SAT/ACT Prep Course |
$908 ($363–$2,270) |
| Private School (K-12, Annual) |
$11,350 ($4,540–$27,240) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$91) |
| Dog Vaccination (Annual) |
$91 ($45–$182) |
| Dog Grooming |
$54 ($27–$91) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$272 ($136–$454) |
| Cat Spay/Neuter |
$182 ($91–$363) |
View all 9 services
Frequently Asked Questions About St. Cloud
What is the population of St. Cloud?
St. Cloud has a population of 31 residents and is located in Missouri. The population density is 25 people per square mile, spread across 1.2 square miles. The median age of residents is 63.7 years, which is older than the national median of 38.9 years. The population is 38.7% female and 61.3% male.
Is St. Cloud expensive to live in?
St. Cloud is more affordable than the national average, with a cost of living index of 90.8 / below the baseline of 100. The median household income is $34,792, 54% below the national average of $75,149. The median home value is $183,300 (35% below the U.S. median). Renters pay a median of $963 per month, below the national average of $1,163. The home price-to-income ratio is 5.3x, which means housing is a stretch relative to local earnings.
Is St. Cloud safe?
The violent crime rate in St. Cloud is 495 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 2,103 per 100,000 (above the national average). Overall, St. Cloud receives a safety grade of F based on combined crime data.
What is the weather like in St. Cloud?
St. Cloud has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 29°F in January, while summers reach an average of 77°F in July. The area receives 263 sunny days per year, well above the national average of 205. Annual rainfall totals 40.5 inches, with 7.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in St. Cloud?
The unemployment rate in St. Cloud is 6.5%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average commute time is 43 minutes, and 0.0% of workers work from home.
How much does housing cost in St. Cloud?
The median home value in St. Cloud is $183,300. Zillow estimates the typical home value at $154,688. For renters, the median monthly rent is $963. Fair market rent is $775 for a 1-bedroom and $970 for a 2-bedroom apartment. The homeownership rate is 70.6%.
How are the schools in St. Cloud?
Schools in St. Cloud score 5.5 out of 10 on standardized testing, near the national average. 3.2% of adults in St. Cloud hold a bachelor's degree or higher, below the national average of 33.7%. 64.5% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is St. Cloud?
The obesity rate in St. Cloud is 41.3% (above the national rate of 32.1%). 21.0% of adults are smokers. 31.8% are physically inactive. 27.4% of residents report depression.
What is transportation like in St. Cloud?
The average commute in St. Cloud is 43 minutes, longer than the national average of 28 minutes. 71.4% of workers drive alone to work, and 0.0% work from home.
What are the demographics of St. Cloud?
The racial and ethnic makeup of St. Cloud is 100% White. 100% of residents speak only English at home. 31.0% of the population are military veterans. 10.5% of residents have a disability. 47.4% have health insurance coverage.
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