St. Cloud, MN · Minnesota
Stearns County
ZIP 56376
159,358 residents459 permits TTM$76,447 median HHI26 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$256,500
ACS 5-Year
Cap rate proxy
4.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.6%
HUD FMR ÷ ACS HHI
Net migration
+1.92%
IRS SOI
Permits (TTM)
459
Census BPS
Climate risk
87.6
FEMA NRI (0–100)
ZIP 56376
Median home value
—
Gross yield
—
Cap rate
4.9%
Rent gap
—
Affordability
P/I: 3.2R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown26 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 56335 | — | — | — | 4.9% | — |
| 56356 | — | — | — | 4.9% | — |
| 56387 | — | — | — | 5.5% | — |
| 56376 | — | — | — | 4.9% | — |
| 56369 | — | — | — | 4.9% | — |
Ranked by composite score
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Demographics
Owner-occupied
67.8%
Census ACS
Vacancy rate
8.0%
Census ACS
Bachelor's degree +
28.6%
Census ACS
Rent burdened
43.7%
Census ACS (>30% income)
Median age
35.0
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 16, 2026