Median Income
$96,250
28% higher than US avg
Home Value
$189,100
33% lower than US avg
Violent Crime
187/100K
51% lower than US avg
Bachelor's+
19.6%
42% lower than US avg
Median Rent
$797
31% lower than US avg
Obesity Rate
42.2%
31% higher than US avg
Unemployment
2.5%
31% lower than US avg
Poverty Rate
3.7%
70% lower than US avg
How St. Cloud Compares to the U.S. Average (100% = U.S. avg)
People
Population467
Median Age38.3 yrs
Density508/mi²
Male / Female51% / 49%
Largest GroupWhite 93%
Veterans4.9%
Economy
A+
Median Income$96,250
Per Capita$37,802
Unemployment2.5%
Poverty3.7%
County GDP$6,749M
Commute25 min
Housing
A+
Home Value$189,100
Rent$797
Ownership84.2%
Zillow$338,741
Housing Units192
Rent Burden19.2%
Crime
F
Violent187/100K
Property1,400/100K
Health
Obesity42.2%
Uninsured7.2%
Smoking14.4%
Depression26.0%
Heart Disease5.0%
Climate
Avg Temp45°F (7°C)
AQI38 (Good)
Rain31.5 in/yr
Sunny Days260/yr
Elevation915 ft (279 m)
Education
C+
Bachelor's+19.6%
High School+96.4%
Graduate+3.3%
School Score5.98
Community
2024 VoteR 64% / D 35%
Commute25 min
Broadband90.7%
EV Stations1
Libraries7
Is St. Cloud a Good Place to Live?
Based on current data, St. Cloud receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. Areas to be aware of include high obesity rates. St. Cloud offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in St. Cloud is $96,250, 28% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 2.5%. Only 3.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in St. Cloud is $189,100, 33% below the national median / offering relatively affordable homeownership. Renters pay a median of $797 per month, below the national average / a plus for affordability. At just 2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in St. Cloud is below the national average at 187 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,400 per 100,000, 29% below the national average.
Education
19.6% of residents hold a bachelor's degree, below the national average of 33.7%. 96.4% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
St. Cloud has a cool climate with an average annual temperature of 45°F. Winters average 17°F in January while summers reach 70°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 31.5 inches, including 38.0 inches of snow. Air quality is rated Good with a median AQI of 38.
St. Cloud has a population of 467 with a density of 508 people per square mile, spread across 0.9 square miles. The median age is 38.3 years, 2% younger than the national median of 38.9. The gender split is 48.8% female and 51.2% male. The city is predominantly White (92.7%). English is the primary language spoken at home by 98.9% of residents. 4.9% of the population are veterans. 11.6% of residents have a disability. 96.4% have health insurance coverage.
Population
38.3yrs
Median Age
2% below US avg
Race & Ethnicity
St. Cloud vs U.S. Average
Language Spoken at Home
English Only
98.9%
26% above US avg
Spanish
1.1%
92% below US avg
Social Characteristics
St. Cloud vs U.S. Average
The median household income in St. Cloud is $96,250, which is 28% above the national average of $75,149. Per capita income is $37,802. The average weekly wage is $1,120, 22% lower than the U.S. average. The unemployment rate is 2.5% (below the 3.6% US average). 3.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,535 business establishments, including 233 restaurants. The cost of living index is 94.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 25 minutes. 6.8% of workers work from home (below the 15.2% national rate).
Income: St. Cloud vs U.S.
Income
| Median HH Income | $96,250 |
| 28% above US avg |
| Per Capita Income | $37,802 |
| Avg Weekly Wage | $1,120 |
| IRS Avg AGI | $77,525 |
| Gini Index | 0.405 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.5% |
| 31% below US avg |
| Poverty Rate | 3.7% |
| 70% below US avg |
| Establishments (County) | 2,535 |
| County GDP | $6,749M |
Business (County)
| Restaurants | 233 |
| Healthcare | 241 |
| Retail | 304 |
| Manufacturing | 136 |
Tax & Cost of Living
| Property Tax (IRS) | $6,030 |
| 72% above US avg |
| Cost of Living | 94.10 (100=avg) |
| Effective Tax Rate | 3.19% |
Commute & Transportation
| Commute Time | 25.3 min |
| Drive Alone | 88.8% |
| Public Transit | 0.0% |
| Work from Home | 6.8% |
The median home value in St. Cloud is $189,100, 33% below the national median of $281,900. Zillow estimates the typical home value at $338,741, higher than the Census estimate. Monthly rent averages $797 (31% below the national average of $1,163). Fair market rent ranges from $872 for a one-bedroom to $1,097 for a two-bedroom apartment. 84.2% of housing units are owner-occupied (above the 65.4% national rate). There are 192 total housing units in the city. The median year a home was built is 1953. The average annual property tax is $6,030 (higher than the $3,500 national average). 19.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $189,100 |
| 33% below US avg |
| Zillow ZHVI | $338,741 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $797 |
| 31% below US avg |
| Rent Burden | 19.2% |
HUD Fair Market Rent
| Studio | $797 |
| 1 Bedroom | $872 |
| 2 Bedrooms | $1,097 |
| 3 Bedrooms | $1,405 |
| 4 Bedrooms | $1,572 |
Ownership & Property
| Homeownership | 84.2% |
| Owner-Occupied | 84.2% |
| Renter-Occupied | 15.8% |
| Housing Units | 192 |
| Median Year Built | 1953 |
Property Tax
| Avg Tax (IRS) | $6,030 |
| 72% above US avg |
| Effective Rate | 3.19% |
In St. Cloud, 42.2% of adults are obese, above the national rate of 32.1%. 8.3% have diabetes (below the 10.5% national rate). Heart disease affects 5.0% of residents. 28.0% have high blood pressure. 14.4% are current smokers. 22.4% report binge drinking. 25.2% are physically inactive. 26.0% report depression (above the 20.0% national average). 16.8% experience frequent mental distress. 7.2% of residents lack health insurance. The primary care physician ratio is 1:2,087. The dentist ratio is 1:1,298. 79.1% of residents have access to exercise opportunities. The food environment index is 8.6 out of 10.
Health Metrics: St. Cloud vs U.S. Average (%)
Chronic Conditions
| Obesity | 42.2% |
| 31% above US avg |
| Diabetes | 8.3% |
| Heart Disease | 5.0% |
| High Blood Pressure | 28.0% |
| Asthma | 11.0% |
| COPD | 5.2% |
| Cancer | 7.1% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 14.4% |
| 3% above US avg |
| Binge Drinking | 22.4% |
| Physical Inactivity | 25.2% |
| Depression | 26.0% |
| Mental Distress | 16.8% |
| Physical Distress | 11.8% |
| Short Sleep | 30.6% |
Healthcare Access
| Insurance Rate | 96.4% |
| Uninsured | 7.2% |
| 16% below US avg |
| Primary Care | 1:2,087 |
| Dentists | 1:1,298 |
| Mental Health | 1:568 |
| Checkup Rate | 75.1% |
| Dental Visits | 67.7% |
| Premature Death | 7,377/100K |
Food & Exercise
| Food Environment | 8.6/10 |
| Exercise Access | 79.1% |
| Healthcare Facilities | 241 |
St. Cloud has a violent crime rate of 187 per 100,000 residents, 51% below the national average of 380. Property crime stands at 1,400 per 100,000, 29% below the U.S. average. The county recorded 11 fatal traffic crashes. Overall, St. Cloud receives a safety grade of F.
Crime Rates: St. Cloud vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 186.6/100K |
| 51% below US avg |
| |
Property Crime
| Total Property | 1,399.7/100K |
| 29% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 11 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. Cloud has a cool climate with an average annual temperature of 45°F (7°C). Winters average 17°F in January while summers reach 70°F in July. The area gets 260 sunny days per year, above the national average. Annual precipitation totals 31.5 inches. The area receives 38.0 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 38. The city sits at an elevation of 915 feet.
Temperature
17°F Jan (-8°C)
70°F Jul (21°C)
| Annual Average | 45.0°F |
| 17% below US avg |
| January Average | 17°F (-8°C) |
| July Average | 70°F (21°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 915 ft (279 m) |
| Area | 0.9 sq mi (2.4 km²) |
| Population Density | 508/sq mi |
| Coordinates | 43.8224°N, 88.1717°W |
| Timezone | America/Chicago |
| County | Fond du Lac County County |
| Nearest Airport | Wittman Regional (OSH)
25 miles away |
Precipitation & Snow
Annual Rainfall
31.5"
17% below US avg
Wettest Month (Sep)
4.06"
Air Quality
| AQI Median | 38.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.3 / 100 |
| Social Vulnerability | 16.6 / 100 |
| Community Resilience | 94.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
1 earthquake (M2.5+) within 150 km since 1990.
Strongest: M2.9. Most recent: M2.9 on Aug 2, 2024.
| Aug 2, 2024 |
38 km ESE of Sturgeon Bay, Wisconsin |
M2.9 |
137 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
403 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 18 fatalities, 501 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 18, 1996 |
EF5 |
39 km |
0 |
| Jul 5, 1994 |
EF4 |
58 km |
0 |
| Apr 27, 1984 |
EF4 |
95 km |
1 |
| Apr 27, 1984 |
EF4 |
54 km |
1 |
| Apr 4, 1981 |
EF4 |
44 km |
3 |
| Apr 21, 1974 |
EF4 |
54 km |
0 |
| Aug 22, 1964 |
EF4 |
53 km |
0 |
| Apr 3, 1956 |
EF4 |
65 km |
7 |
| Sep 26, 1951 |
EF4 |
95 km |
1 |
| Jun 23, 2004 |
EF3 |
70 km |
0 |
| Jun 23, 2004 |
EF3 |
65 km |
1 |
| Jun 8, 1984 |
EF3 |
95 km |
0 |
| Apr 27, 1984 |
EF3 |
99 km |
0 |
| Jun 5, 1980 |
EF3 |
91 km |
0 |
| Apr 7, 1980 |
EF3 |
75 km |
0 |
| Jun 5, 1977 |
EF3 |
45 km |
0 |
| Apr 21, 1974 |
EF3 |
56 km |
0 |
| Apr 21, 1974 |
EF3 |
59 km |
2 |
| Dec 1, 1970 |
EF3 |
68 km |
0 |
| Jun 26, 1969 |
EF3 |
78 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
6 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,524 ac, 2006).
| Year |
Name |
Acres |
Distance |
| 2006 |
UNNAMED |
1,524 |
49 km |
| 2010 |
RX BURN |
1,236 |
49 km |
| 1994 |
SOMMERS |
938 |
50 km |
| 1988 |
PEACHY RD |
812 |
51 km |
| 2006 |
UNNAMED |
612 |
49 km |
| 2007 |
TOWER RD 2 |
592 |
51 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
17°F (-8°C) |
1.1 in |
Coldest |
| February |
21°F (-6°C) |
1.1 in |
Driest |
| March |
32°F (-0°C) |
2.0 in |
|
| April |
44°F (7°C) |
2.9 in |
|
| May |
56°F (13°C) |
3.1 in |
|
| June |
65°F (18°C) |
3.5 in |
|
| July |
70°F (21°C) |
3.5 in |
Warmest |
| August |
68°F (20°C) |
3.9 in |
|
| September |
60°F (15°C) |
4.1 in |
Wettest |
| October |
49°F (9°C) |
2.6 in |
|
| November |
35°F (2°C) |
2.3 in |
|
| December |
22°F (-5°C) |
1.7 in |
|
St. Cloud has a seasonal temperature swing of 53°F / from 17°F in January to 70°F in July. Total annual precipitation is 31.9 inches, with September being the wettest month (4.1") and February the driest (1.1").
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) |
$235 ($141–$376) |
| Specialist Visit |
$329 ($188–$518) |
| Urgent Care Visit |
$188 ($94–$329) |
| Emergency Room Visit |
$2,070 ($753–$4,705) |
| Dental Cleaning |
$122 ($71–$188) |
| Dental Filling |
$235 ($141–$376) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$113) |
| Brake Pad Replacement |
$282 ($141–$471) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$565 ($376–$941) |
| Battery Replacement |
$188 ($94–$329) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$94 ($56–$141) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$376 ($141–$753) |
| HVAC System Install |
$6,587 ($3,764–$11,292) |
| Roof Repair |
$941 ($376–$1,882) |
| Roof Replacement |
$8,469 ($5,176–$14,115) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,412 ($471–$3,294) |
| Divorce (Contested) |
$14,115 ($4,705–$28,230) |
| DUI Defense |
$4,705 ($1,882–$9,410) |
| Bankruptcy (Chapter 7) |
$1,412 ($753–$2,823) |
| Will Preparation |
$471 ($188–$941) |
| Trust Preparation |
$2,353 ($941–$4,705) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$42) |
| Women's Haircut |
$52 ($28–$94) |
| Hair Coloring (Full) |
$141 ($71–$235) |
| Manicure |
$24 ($14–$42) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$75 ($47–$122) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.86 ($2.82–$5.18) |
| Dozen Eggs (per dozen) |
$3.29 ($2.35–$4.71) |
| Loaf of Bread |
$3.58 ($2.35–$5.18) |
| Chicken Breast (per lb) |
$4.23 ($2.82–$6.12) |
| Ground Beef (per lb) |
$5.18 ($3.76–$7.06) |
| Rice (per lb) |
$0.94 ($0.56–$1.69) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($75–$235) |
| Natural Gas (Monthly) |
$66 ($28–$141) |
| Water/Sewer (Monthly) |
$66 ($38–$113) |
| Internet (Monthly) |
$66 ($38–$94) |
| Cell Phone Plan (Monthly) |
$61 ($28–$94) |
| Cable TV (Monthly) |
$80 ($47–$141) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$188 ($71–$471) |
| Car Insurance (Annual) |
$1,882 ($1,129–$3,294) |
| Bus Pass (Monthly) |
$66 ($28–$122) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.53–$24) |
| Car Registration (Annual) |
$94 ($28–$235) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,129 ($565–$2,353) |
| Daycare (Toddler, Monthly) |
$941 ($471–$1,882) |
| After-School Care (Monthly) |
$376 ($188–$659) |
| Tutoring (Per Hour) |
$47 ($24–$94) |
| SAT/ACT Prep Course |
$941 ($376–$2,353) |
| Private School (K-12, Annual) |
$11,763 ($4,705–$28,230) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$94) |
| Dog Vaccination (Annual) |
$94 ($47–$188) |
| Dog Grooming |
$56 ($28–$94) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$282 ($141–$471) |
| Cat Spay/Neuter |
$188 ($94–$376) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,022 |
| Toddler | $909 |
| Preschool | $909 |
| Family Childcare (monthly) |
| Infant | $758 |
| Toddler | $736 |
| Preschool | $736 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About St. Cloud
What is the population of St. Cloud?
St. Cloud has a population of 467 residents and is located in Wisconsin. The population density is 508 people per square mile, spread across 0.9 square miles. The median age of residents is 38.3 years. The population is 48.8% female and 51.2% male.
Is St. Cloud expensive to live in?
St. Cloud is more affordable than the national average, with a cost of living index of 94.1 / below the baseline of 100. The median household income is $96,250, 28% above the national average of $75,149. The median home value is $189,100 (33% below the U.S. median). Renters pay a median of $797 per month, below the national average of $1,163. The home price-to-income ratio is 2x, indicating housing is reasonably affordable relative to local income levels.
Is St. Cloud safe?
St. Cloud is safer than the national average, with a violent crime rate of 187 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,400 per 100,000 (below 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 cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 17°F in January, while summers reach an average of 70°F in July. The area receives 260 sunny days per year, well above the national average of 205. Annual rainfall totals 31.5 inches, with 38.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 38.
How is the job market in St. Cloud?
The job market in St. Cloud is very strong, with unemployment at just 2.5% / well below the national rate of 3.6%. The average weekly wage is $1,120. There are 2,535 business establishments in the area, including 233 restaurants and food service locations. The average commute time is 25 minutes, and 6.8% of workers work from home.
How much does housing cost in St. Cloud?
The median home value in St. Cloud is $189,100. Zillow estimates the typical home value at $338,741. For renters, the median monthly rent is $797. Fair market rent is $872 for a 1-bedroom and $1,097 for a 2-bedroom apartment. The homeownership rate is 84.2%. The average annual property tax is $6,030.
How are the schools in St. Cloud?
Schools in St. Cloud score 6 out of 10 on standardized testing, near the national average. 19.6% of adults in St. Cloud hold a bachelor's degree or higher, below the national average of 33.7%. 96.4% have completed high school. 3.3% hold a graduate or professional degree.
How healthy is St. Cloud?
The obesity rate in St. Cloud is 42.2% (above the national rate of 32.1%). 14.4% of adults are smokers. 25.2% are physically inactive. 26.0% of residents report depression. 7.2% lack health insurance (below the national rate). 79.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,087.
What is transportation like in St. Cloud?
The average commute in St. Cloud is 25 minutes. 88.8% of workers drive alone to work, and 6.8% work from home.
What are the demographics of St. Cloud?
The racial and ethnic makeup of St. Cloud is 92.7% White. 98.9% of residents speak only English at home. 4.9% of the population are military veterans. 11.6% of residents have a disability. 96.4% have health insurance coverage.
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