St. Cloud, MN · Minnesota
Benton County
41,458 residents137 permits TTM$71,480 median HHI4 ZIP codesUpdated April 28, 2026
Investor first look
Median home value
$247,100
ACS 5-Year
Cap rate proxy
4.5%
FMR × 0.65 ÷ Home Value
Rent-to-income
15.4%
HUD FMR ÷ ACS HHI
Net migration
+3.11%
IRS SOI
Permits (TTM)
137
Census BPS
Climate risk
51.3
FEMA NRI (0–100)
ZIP code breakdown4 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 56379 | — | — | — | 3.7% | — |
| 56329 | — | — | — | 3.3% | — |
| 56367 | — | — | — | 3.2% | — |
| 56357 | — | — | — | 2.9% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
67.9%
Census ACS
Vacancy rate
5.7%
Census ACS
Bachelor's degree +
24.5%
Census ACS
Rent burdened
33.4%
Census ACS (>30% income)
Median age
36.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 28, 2026