ZIP Code 56301: Population, Income, Housing

State: MN
Total population: 35,580 Household income: $73,142 Rent: $1,151

Overview

Total population
35,580
Rent
$1,151
Year built
1985
Household income
$73,142
Per capita income
$34,316
Poverty rate
20.6%
Unemployment rate
N/A
Household size
2.6 persons
Rent over 30% of income
47.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Minnesota
County
Stearns County
City
St. Cloud
Total population
35,580
Adults over 25
18,729
Total households
12,609
Household size
2.6 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$73,142
Per capita income
$34,316
Poverty rate
20.6%
Unemployment rate
N/A
Rent over 30% of income
47.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,151
Year built
1985
Households that rent
49.1%
Households that own
50.9%
Rooms per home (all homes)
5.5

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
65%
Black
21.8%
Asian
4.5%
Two or more races
5.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
5.3%
Not Hispanic or Latino
94.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
16,491 (90.6%)
Commute time to work
20 mins
Work from home
1,720 (9.4%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
30.9%
High school graduate or GED
22.5%
Some college or associate degree
14.6%
Bachelor’s degree or higher
32%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 56301 with: Stearns County, MN St. Cloud, MN Minnesota United States

ZIP 56301

Total population35,580
Rent$1,151
Year built1985
Household income$73,142
Per capita income$34,316
Poverty rate20.6%
Unemployment rateN/A

Stearns County, MN

Total population160,865
Rent$1,068
Year built1985
Household income$77,066
Per capita income$38,286
Poverty rate12.9%
Unemployment rate2.8%

St. Cloud, MN

Total population70,629
Rent$1,003
Year built1981
Household income$61,374
Per capita income$32,108
Poverty rate20.2%
Unemployment rate3.1%

Minnesota State

Total population5,739,445
Rent$1,280
Year built1979
Household income$89,062
Per capita income$48,237
Poverty rate9.3%
Unemployment rate3%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP56301 CountyStearns, MNCitySt. Cloud, MNStateMinnesotaCountryUnited States
Total population35,580160,86570,6295,739,445334,922,499
Rent$1,151$1,068$1,003$1,280$1,413
Year built19851985198119791980
Household income$73,142$77,066$61,374$89,062$80,734
Per capita income$34,316$38,286$32,108$48,237$44,673
Poverty rate20.6%12.9%20.2%9.3%12.5%
Unemployment rateN/A2.8%3.1%3%4%

View the full multi-level comparison →

 

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Summary for 56301

Rent & Income

In 56301, the typical monthly rent is $1,151 and the typical household income is $73,142. Rent here is higher than St. Cloud and lower than Minnesota, and household income is higher than St. Cloud and lower than Minnesota. The estimated poverty rate is 20.6%, which is similar to the St. Cloud rate and higher than the Minnesota rate.

Housing & Affordability

Renters make up about 49.1% of households, indicating a relatively balanced mix of renters and owners. About 47.4% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 32% of adults holding a bachelor’s degree or higher.

 

ZIP 56301 — Rent vs Household Income

 

 

ZIP 56301 — Poverty

 

 

How ZIP 56301 compares in Minnesota (50 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,151 7 / 50 from lower rent $883 – $2,001
Household income $73,142 40 / 50 from higher income $51,966 – $155,430
Poverty rate 20.6% 49 / 50 from lower poverty 2.5% – 36.4%

Rankings are calculated among ZIP Codes in Minnesota with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 56301

Rent

In terms of rental prices, this ZIP stands 7th out of 50 ZIP Codes in Minnesota. Across Minnesota, figures vary from $883 in ZIP 56401 up to $2,001 in ZIP 55347.

Household income

When comparing household incomes, ZIP Code 56301 stands 40th out of 50 ZIP Codes. Throughout Minnesota, numbers span from $51,966 in ZIP 55414 up to $155,430 in ZIP 55347.

Poverty rate

Looking at poverty indicators, this ZIP stands 49th out of 50 ZIP Codes. At the state level, values extend from 2.5% in ZIP 55347 up to 36.4% in ZIP 55414.

 

💰 Rent in ZIP Code 56301 (with Utilities)

Estimated Monthly Rent: $1,151 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 56301

Annual Household Income: $73,142

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 56301

Estimated Rate: 20.6%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 56301

In ZIP Code 56301, households that rent: 6,196 (49.1%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 6,196 49.1%
Owner-Occupied 6,413 50.9%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 56301

In ZIP Code 56301, cost-burdened renters (households spending over 30% of income on housing): 2,939 (47.4%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 2,939 47.4%
Other renter households 3,257 52.6%
Total renter households 6,196 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 56301

Less than High School: 5,778 people (30.9%)

Includes adults who did not complete high school.

High School Graduate or GED: 4,220 people (22.5%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,729 people (14.6%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 6,002 people (32%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 18,729

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.