ZIP Code 56304 — St. Cloud city, MN Demographics & Data

ZIP code 56304 covers St. Cloud, MN in Sherburne County with a population of about 17,281.

At a glance, the area shows median age of 33.5 versus a U.S. median of about 38.9.

It sits in telephone area code 320; U.S. House district MN-6; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 56304 is about $54,133 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.4%; unemployment rate near 8.8%; 24.9% of adults with a bachelor’s degree or higher (about 8.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 5.9% of workers reporting work-from-home (about 9.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $230,600 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $837 (about 28% below the U.S. median rent ($1,163)), and owner-occupancy near 44.1% (about 21.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56304 in St. Cloud, MN, a household would need roughly $63,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,481. That is about 16% above the local median household income ($54,133), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Cloud city, MN as Relatively Low (composite score 53.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (76.4) and flood (62.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Cloud city, MN show little to no average snow and around 28.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,227 for ZIP 56304 (St. Cloud city, MN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.