56304 Zip Code Detailed Profile




Cities: St. Cloud, MN (12.83%), Sauk Rapids, MN (0.10%)
Counties: Sherburne County, MN (87.73%), Benton County, MN (12.27%)
Estimated zip code population in 2013: 16,045
Zip code population in 2010: 16,020
Zip code population in 2000: 15,703

Houses and condos: 6,853
Renter-occupied apartments: 3,189
% of renters here:

52%
State:

28%
Mar. 2013 cost of living index in zip code 56304: 106.4 (more than average, U.S. average is 100)

Land area: 59.9 sq. mi.
Water area: 1.7 sq. mi.
Population density: 268 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 56304
Zip code 56304 (St. Cloud, Minnesota) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.0% ($1,597)
Minnesota:

1.2% ($2,148)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,486 (1.0%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,724 (1.1%)

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Males: 8,302  (51.7%)
Females: 7,743  (48.3%)

For population 25 years and over in 56304:

For population 15 years and over in 56304:

Zip code 56304 compared to state average:

  • Median household income below state average.
  • Unemployed percentage above state average.
  • Black race population percentage above state average.
  • Median age below state average.
  • Renting percentage above state average.
  • Races in zip code 56304

  • Zip code 56304 races chart
    • 13,021White population
    • 1,416Black population
    • 172American Indian population
    • 560Asian population
    • 3Native Hawaiian and Other Pacific Islander population
    • 19Some other race population
    • 393Two or more races population
    • 436Hispanic or Latino population

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56304, MN forum
Discuss zip code 56304 area on our local forum with over 1,800,000 registered users
Urban population: 12,917
Rural population: 3,127

Estimated median house/condo value in 2013: $155,300
56304:

$155,300
Minnesota:

$180,100
Median resident age:
This zip code:

30.8 years
Minnesota median age:

37.7 years
Average household size:
This zip code:

2.4 people
Minnesota:

2.5 people

Averages for the 2012 tax year for zip code 56304, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $44,286 (Individual Income Tax Returns)
Here:

$44,286
State:

$67,192

Salary/wage: $36,103 (reported on 87.0% of returns)
Here:

$36,103
State:

$55,182
(% of AGI for various income ranges: 83.7% for AGIs below $25k, 82.1% for AGIs $25k-50k, 76.3% for AGIs $50k-75k, 70.9% for AGIs $75k-100k, 69.8% for AGIs $100k-200k, 45.5% for AGIs over 200k)

Taxable interest for individuals: $1,107 (reported on 28.1% of returns)
This zip code:

$1,107
Minnesota:

$1,664
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 0.7% for AGIs $100k-200k, 0.6% for AGIs over 200k)

Ordinary dividends: $3,995 (reported on 15.8% of returns)
Here:

$3,995
State:

$5,665
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.7% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 1.1% for AGIs $100k-200k, 3.7% for AGIs over 200k)

Net capital gain/loss in AGI: +$4,769 (reported on 12.0% of returns)
Here:

+$4,769
State:

+$16,131
(% of AGI for various income ranges: 0.2% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.6% for AGIs $100k-200k, 4.2% for AGIs over 200k)

Profit/loss from business: +$13,692 (reported on 12.0% of returns)
Here:

+$13,692
State:

+$12,430
(% of AGI for various income ranges: 4.4% for AGIs below $25k, 3.4% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 3.6% for AGIs $100k-200k, 5.6% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $15,066 (reported on 8.4% of returns)
56304:

$15,066
Minnesota:

$15,212
(% of AGI for various income ranges: 1.8% for AGIs below $25k, 2.2% for AGIs $25k-50k, 2.9% for AGIs $50k-75k, 4.0% for AGIs $75k-100k, 4.6% for AGIs $100k-200k, 1.3% for AGIs over 200k)

Self-employment retirement plans: $12,500 (reported on 0.7% of returns)
56304:

$12,500
Minnesota:

$17,874

Total itemized deductions: $21,188 (21% of AGI, reported on 23.9% of returns)
Here:

$21,188
State:

$24,665

Here:

20.7% of AGI
State:

19.6% of AGI
(% of AGI for various income ranges: 4.1% for AGIs below $25k, 8.0% for AGIs $25k-50k, 11.7% for AGIs $50k-75k, 13.4% for AGIs $75k-100k, 15.8% for AGIs $100k-200k, 13.5% for AGIs over 200k)

Charity contributions: $3,680 (reported on 20.3% of returns)
Here:

$3,680
State:

$3,948
(% of AGI for various income ranges: 0.5% for AGIs below $25k, 0.9% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 2.6% for AGIs $100k-200k, 2.3% for AGIs over 200k)

Taxes paid: $8,404 (reported on 23.6% of returns)
56304:

$8,404
State:

$10,589
(% of AGI for various income ranges: 0.5% for AGIs below $25k, 1.8% for AGIs $25k-50k, 3.6% for AGIs $50k-75k, 4.7% for AGIs $75k-100k, 6.6% for AGIs $100k-200k, 8.3% for AGIs over 200k)

Earned income credit: $1,983 (reported on 20.7% of returns)
Here:

$1,983
State:

$2,037
(% of AGI for various income ranges: 5.5% for AGIs below $25k, 1.0% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 56304, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $38,416 (Individual Income Tax Returns)
Here:

$38,416
State:

$53,560

Salary/wage: $33,013 (reported on 88.9% of returns)
Here:

$33,013
State:

$46,177
(% of AGI for various income ranges: 100.3% for AGIs below $10k, 86.3% for AGIs $10k-25k, 84.7% for AGIs $25k-50k, 78.8% for AGIs $50k-75k, 79.4% for AGIs $75k-100k, 60.5% for AGIs over 100k)

Taxable interest for individuals: $1,461 (reported on 39.1% of returns)
This zip code:

$1,461
Minnesota:

$1,796
(% of AGI for various income ranges: 3.6% for AGIs below $10k, 1.8% for AGIs $10k-25k, 1.2% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 1.9% for AGIs over 100k)

Taxable dividends: $1,842 (reported on 21.5% of returns)
Here:

$1,842
State:

$3,096
(% of AGI for various income ranges: 1.7% for AGIs below $10k, 0.8% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.8% for AGIs over 100k)

Net capital gain/loss: +$6,190 (reported on 16.8% of returns)
Here:

+$6,190
State:

+$10,864
(% of AGI for various income ranges: 0.1% for AGIs below $10k, -0.1% for AGIs $10k-25k, 0.6% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 7.6% for AGIs over 100k)

Profit/loss from business: +$10,522 (reported on 11.9% of returns)
Here:

+$10,522
State:

+$10,442
(% of AGI for various income ranges: 2.1% for AGIs below $10k, 1.9% for AGIs $10k-25k, 2.1% for AGIs $25k-50k, 3.0% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 5.5% for AGIs over 100k)

IRA payment deduction: $3,140 (reported on 2.3% of returns)
56304:

$3,140
Minnesota:

$2,955
(% of AGI for various income ranges: 0.2% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.1% for AGIs over 100k)

Self-employed pension: $11,738 (reported on 0.7% of returns)
Here:

$11,738
Minnesota:

$12,099
(% of AGI for various income ranges: 0.2% for AGIs $10k-25k, 0.3% for AGIs $50k-75k, 0.4% for AGIs over 100k)

Total itemized deductions: $17,610 (22% of AGI, reported on 28.5% of returns)
Here:

$17,610
State:

$20,035

Here:

22.1% of AGI
State:

21.3% of AGI
(% of AGI for various income ranges: 7.7% for AGIs below $10k, 6.7% for AGIs $10k-25k, 10.8% for AGIs $25k-50k, 14.3% for AGIs $50k-75k, 16.0% for AGIs $75k-100k, 15.7% for AGIs over 100k)

Charity contributions deductions: $3,279 (4% of AGI, reported on 25.3% of returns)
Here:

$3,279
State:

$3,333

Here:

3.9% of AGI
State:

3.4% of AGI
(% of AGI for various income ranges: 0.4% for AGIs below $10k, 0.8% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 3.6% for AGIs over 100k)

Total tax: $5,475 (reported on 74.3% of returns)
56304:

$5,475
State:

$8,485
(% of AGI for various income ranges: 2.0% for AGIs below $10k, 4.4% for AGIs $10k-25k, 7.3% for AGIs $25k-50k, 8.7% for AGIs $50k-75k, 10.4% for AGIs $75k-100k, 18.0% for AGIs over 100k)

Earned income credit: $1,407 (reported on 14.1% of returns)
Here:

$1,407
State:

$1,523

Percentage of individuals using paid preparers for their 2004 taxes: 56.1%
Here:

56%
State:

59%
(% for various income ranges: 47.3% for AGIs below $10k, 52.1% for AGIs $10k-25k, 59.2% for AGIs $25k-50k, 62.9% for AGIs $50k-75k, 69.1% for AGIs $75k-100k, 70.3% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$36,565
Minnesota:

$60,702
St. Cloud, MN (56304) map Nearest zip codes: 56379, 55319, 55320, 56303, 56387, 56301.
Percentage of family households:
This zip code:

46.3%
Minnesota:

50.8%
Percentage of households with unmarried partners:
This zip code:

12.9%
Minnesota:

6.7%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 1,138
Household did not receive Food Stamps/SNAP in the past 12 months: 4,945


Women who had a birth in the past 12 months: 205 (153 now married, 52 unmarried)
Women who did not have a birth in the past 12 months: 4,020 (1,202 now married, 2,818 unmarried)


Housing units in zip code 56304 with a mortgage: 1,839 (102 second mortgage, 247 home equity loan)
Houses without a mortgage: 1,055

Median monthly owner costs for units with a mortgage: $1,187
Median monthly owner costs for units without a mortgage: S449

Residents with income below the poverty level in 2013:
This zip code:

31.4%
Whole state:

11.2%
Residents with income below 50% of the poverty level in 2013:
This zip code:

17.3%
Whole state:

6.3%
Median number of rooms in houses and condos:
Here:

7.0
State:

7.0
Median number of rooms in apartments:
Here:

4.0
State:

4.0
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 56304: Saint Cloud Campground and RV Park (A), The Fairways Golf Course (B), Central Minnesota Rest Area (C), Minnesota Correctional Facility (D), Saint Cloud Fire Department Station 3 (E), Saint Cloud Fire Department Station 4 (F). Display/hide their locations on the map

    Shopping Center: East Village Shopping Center (1). Display/hide its location on the map

    Churches in zip code 56304 include: Saint Augustine Church (A), Jehovah's Witnesses - South Congregation (B), Salem Lutheran Church (C), Unity of Saint Cloud Church (D), First Baptist Church (E), Northland Bible Baptist Church (F), Faith Lutheran Church (G). Display/hide their locations on the map

    Cemetery: Minnesota Reformatory Cemetery (1). Display/hide its location on the map

    Lakes and reservoirs: Rice Lake (A), Carter Lake (B), Donovan Lake (C), Mississippi River Reservoir (D). Display/hide their locations on the map

    Streams, rivers, and creeks: Stony Brook (A). Display/hide its location on the map

    Parks in zip code 56304 include: Munsinger Gardens (1), Riverside Park (2), Talahi Park (3), Wilson Park (4), Saint Cloud Historical Marker (5), First Granite Quarry Historical Marker (6), Sterling Heights Park (7), Kiawanis Park (8), Selke Field (9). Display/hide their locations on the map

    Tourist attractions (not listed on the city page) : Benet Place South (Amusement & Theme Parks; 1975 15th Avenue Southeast) (1), Convention & Visitors Bureau (525 Highway 10 South) (2). Display/hide their approximate locations on the map

Year house built

  • 02010 or later
  • 7032000 to 2009
  • 1,1461990 to 1999
  • 1,0261980 to 1989
  • 1,8341970 to 1979
  • 6311960 to 1969
  • 5221950 to 1959
  • 1681940 to 1949
  • 8231939 or earlier

Zip code 56304 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in St. Cloud, MN (56304)

  • 2no bedroom
  • 251 bedroom
  • 4872 bedrooms
  • 1,1133 bedrooms
  • 9944 bedrooms
  • 2735+ bedrooms

Bedrooms in renter-occupied apartments in St. Cloud, MN (56304)

  • 32no bedroom
  • 7651 bedroom
  • 1,7022 bedrooms
  • 4873 bedrooms
  • 1344 bedrooms
  • 695+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in St. Cloud, MN (56304) in owner-occupied houses/condos

  • 26no vehicle
  • 8421 vehicle
  • 1,3522 vehicles
  • 5003 vehicles
  • 1144 vehicles
  • 605+ vehicles

Cars and other vehicles available in St. Cloud, MN (56304) in renter-occupied apartments

  • 591no vehicle
  • 1,6461 vehicle
  • 6712 vehicles
  • 2253 vehicles
  • 514 vehicles
  • 55+ vehicles

Median gross rent in 2013: $677.


Median price asked for vacant for-sale houses and condos in 2013: $125,062.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $155,300
56304:

$155,300
Minnesota:

$180,100
Lower value quartile - upper value quartile: $109,000 - $234,300

Mean price in 2013:

Detached houses: $177,250
Here:

$177,250
State:

$229,257

Townhouses or other attached units: $128,283
Here:

$128,283
State:

$168,477

In 5-or-more-unit structures: $67,640
Here:

$67,640
State:

$160,166

Mobile homes: $20,309
Here:

$20,309
State:

$45,753

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 12.7%

Percentage of zip code residents living and working in this county: 21.9%

Household type by relationship:

Households: 14,594

Size of family households: 1,632 2-persons, 913 3-persons, 379 4-persons, 296 5-persons, 51 6-persons, 71 7-or-more-persons

Size of nonfamily households: 1,766 1-person, 805 2-persons, 136 3-persons, 34 4-persons

1,459 married couples with children.
1,322 single-parent households (254 men, 1,068 women).

93.4% of residents of 56304 zip code speak English at home.
2.6% of residents speak Spanish at home (74% very well, 16% well, 10% not well).
1.1% of residents speak other Indo-European language at home (64% very well, 28% well, 8% not well).
0.3% of residents speak Asian or Pacific Island language at home (76% very well, 24% not well).
2.6% of residents speak other language at home (65% very well, 7% well, 29% not at all).

Foreign born population: 904 (5.6%)
(15.2% of them are naturalized citizens)
This zip code:

5.6%
Whole state:

7.4%

Most common places of birth for the foreign-born residents

  • 25%Other Eastern Africa
  • 19%Malaysia
  • 15%Kenya
  • 11%Mexico
  • 7%Canada
  • 3%Ghana
  • 3%Colombia

Most common first ancestries reported in 56304 (%)

  • 31%German
  • 14%Other groups
  • 6%Norwegian
  • 5%Irish
  • 4%Swedish
  • 4%Polish
  • 3%African

Year of entry for the foreign-born population

  • 752010 or later
  • 5562000 to 2009
  • 2361990 to 1999
  • 94Before 1990

Private high school not listed on the city page:

  • NORTHLAND CHRISTIAN SCHOOL (Students: 36; Location: 3686 CTY. RD. 8 S.E., SAINT CLOUD, MN; Grades: KG - 12)

Zip code 56304 topographic map

Private primary/middle school not listed on the city page:

  • ST AUGUSTINE ELEM SCHOOL (Students: 220; Location: 428 SECOND STREET SE, SAINT CLOUD, MN; Grades: PK - 6)

Major facilities with environmental interests located in this zip code:

Fire-safe hotels and motels in zip code 56304:

All 4 fire-safe hotels and motels in zip code 56304

Zip code 56304 marital status for males
Zip code 56304 marital status for females

Housing units lacking complete plumbing facilities: 0.8%
Housing units lacking complete kitchen facilities: 0.4%

Most commonly used house heating fuel

  • 55%Utility gas
  • 34%Electricity
  • 4%Bottled, tank, or LP gas
  • 3%No fuel used
  • 2%Other fuel
  • 2%Fuel oil, kerosene, etc.
  • 1%Wood

Population in 1990: 13,570. Population change in the 1990s: +2,133 (+15.7%).

Place of birth for U.S.-born residents:


44% of the 56304 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 17% lived in this county.
   Out of people who lived in different counties, 50% lived in Minnesota.

80% of the 56304 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 16% moved from this county.
   Out of people who lived in different houses, 68% moved from different county within same state.
   Out of people who lived in different houses, 12% moved from different state.
   Out of people who lived in different houses, 4% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 214
Here:

16.4%
Minnesota:

11.3%
Students in private schools in grades 9 to 12 (high school): 100
Here:

12.5%
Minnesota:

8.3%
Students in private undergraduate colleges: 139
Here:

8.6%
Minnesota:

23.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 66,932Health diagnosing and treating practitioners and other technical occupations
  • 66,375Architecture and engineering occupations
  • 59,119Computer and mathematical occupations
  • 53,000Arts, design, entertainment, sports, and media occupations
  • 48,021Law enforcement workers including supervisors
  • 40,962Installation, maintenance, and repair occupations

Companies with federal contracts located in this zip code (SAINT CLOUD, MN):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 1,000 people in state prisons
  • 316 people in nursing facilities/skilled-nursing facilities
  • 86 people in other noninstitutional facilities
  • 67 people in group homes intended for adults
  • 40 people in emergency and transitional shelters (with sleeping facilities) for people experiencing homelessness
  • 26 people in residential treatment centers for adults

People in group quarters in 2000:

  • 800 people in state prisons
  • 289 people in nursing homes
  • 109 people in religious group quarters
  • 109 people in other noninstitutional group quarters
  • 13 people in homes or halfway houses for drug/alcohol abuse
  • 11 people in homes for the mentally retarded
  • 10 people in short-term care, detention or diagnostic centers for delinquent children
  • 4 people in other group homes

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 2
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 3
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 3
  • Vehicles involved in fatal accidents: 5
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 3
  • Persons involved in fatal accidents: 5
  • Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 8 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED101$123,054108$117,499550$155,49324$85,60411$1,196,46144$119,08123$34,662
APPLICATIONS APPROVED, NOT ACCEPTED4$102,96012$81,57235$170,6174$103,5300$02$91,9455$17,508
APPLICATIONS DENIED6$106,46226$51,595131$181,18810$65,5720$011$173,67516$33,366
APPLICATIONS WITHDRAWN2$198,30512$116,303122$176,3416$46,1650$013$131,6982$178,425
FILES CLOSED FOR INCOMPLETENESS0$00$031$136,8841$33,8000$01$33,8000$0

Detailed HMDA statistics for the following Tracts: 0212.00 , 0303.00, 0313.00, 0314.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 8 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED22$167,76419$208,0921$156,060
APPLICATIONS APPROVED, NOT ACCEPTED6$133,7407$226,8710$0
APPLICATIONS DENIED3$202,4434$171,9480$0
APPLICATIONS WITHDRAWN1$253,4700$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$00$0

Detailed PMIC statistics for the following Tracts: 0212.00 , 0303.00, 0313.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 56304 among deceased individuals
NameCountLived (average)
Mary3083.7 years
John2784.2 years
Helen2486.2 years
Irene2388.3 years
Donald2372.8 years
Dorothy1884.2 years
Richard1872.0 years
Clara1888.3 years
Robert1774.0 years
George1783.9 years
Most common last names in zip code 56304 among deceased individuals
Last nameCountLived (average)
Johnson1582.3 years
Anderson1174.8 years
Peterson977.9 years
Smith784.8 years
Larson781.4 years
Sauer785.4 years
Henry682.7 years
Erickson675.7 years
Braun688.2 years
Jensen571.8 years
Businesses in zip code 56304
NameCountNameCount
Best Western1Starbucks1
Burger King1T-Mobile1
Dairy Queen1Taco Bell1
FedEx1Target1
H&R Block1U-Haul1
Honda1UPS1
KFC1Wendy's1
McDonald's1

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