56304 ZIP Code — Saint Cloud, MN
Sherburne County, Minnesota
ZIP code 56304 is located in Saint Cloud, Minnesota, within Sherburne County. It covers approximately 60.67 square miles and serves a population of 16,884 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 320.
About ZIP code 56304
The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1970s, giving the area an established character. Median home value is $199,500. Renters make up the majority at 58%, typical of denser urban areas.
Median household income is $55,586. Poverty affects 19% of residents, above the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.
Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.
16,884
population
60.67
sq mi land
Standard
ZIP type
Central (CT)
timezone
56304 ZIP code map
Cities in ZIP code 56304
Below are the cities the US Postal Service accepts for ZIP code 56304. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Saint Cloud | Preferred |
Nearby ZIP codes
55319 Clear Lake (5.4 mi)
56372 Saint Cloud (6.2 mi)
56395 Saint Cloud (6.2 mi)
56393 Saint Cloud (6.2 mi)
56396 Saint Cloud (6.2 mi)
56399 Saint Cloud (6.2 mi)
55320 Clearwater (8.7 mi)
56388 Saint Cloud (9 mi)
56303 Saint Cloud (9.1 mi)
56303 Saint Cloud (9.1 mi)
56303 Saint Cloud (9.1 mi)
56301 Saint Cloud (9.6 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 16,884 |
| Population density | 278 / sq mi |
| State FIPS | 27 |
| County FIPS | 141 |
| Geography | |
|---|---|
| Land area | 60.67 sq mi |
| Water area | 2.03 sq mi |
| Latitude | 45.5191 |
| Longitude | -94.0482 |
| Timezone | Central (CT) |
| Area code | 320 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 52.4% | 26.8% | 33.6% |
| $50k – $100k | 30.5% | 33.1% | 31.5% |
| $100k – $200k | 15.3% | 33.4% | 26.5% |
| Over $200k | 1.8% | 6.7% | 8.5% |
Demographics & statistics
16,884
Population
278
People per sq mi
31.9
Median age
$55,586
Median household income
$29,915
Per capita income
$199,500
Median home value
$916
Median monthly rent
41.7%
Home ownership
18.6%
Poverty rate
7.3%
Unemployment
3,281
Housing units
23.8%
Bachelor's or higher
Age distribution
Male
Female
521
Under 5
463
612
5–9
544
572
10–14
508
557
15–19
495
1,004
20–24
892
1,575
25–34
1,398
1,125
35–44
1,000
911
45–54
810
464
55–59
412
406
60–64
361
609
65–74
541
301
75–84
267
284
85+
252
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 3,792 | 22.5% |
| 18 and over | 13,092 | 77.5% |
| 65 and over | 2,254 | 13.3% |
| Median age | 31.9 years | |
Race & ethnicity
White
62.5%
Black or African American
19.7%
Two or more races
7%
Asian
4.6%
Hispanic or Latino
3.2%
Other race
1.5%
American Indian / Alaska Native
1.4%
| Group | Count | % |
|---|---|---|
| White | 10,901 | 62.5% |
| Black or African American | 3,439 | 19.7% |
| Two or more races | 1,226 | 7% |
| Asian | 808 | 4.6% |
| Hispanic or Latino | 560 | 3.2% |
| Other race | 262 | 1.5% |
| American Indian / Alaska Native | 248 | 1.4% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 52.4% | 26.8% | 33.6% |
| $50k – $100k | 30.5% | 33.1% | 31.5% |
| $100k – $200k | 15.3% | 33.4% | 26.5% |
| Over $200k | 1.8% | 6.7% | 8.5% |
Under $10k
7.4%
$10k–$15k
2.0%
$15k–$25k
9.4%
$25k–$35k
8.8%
$35k–$50k
17.6%
$50k–$75k
17.2%
$75k–$100k
15.1%
$100k–$150k
14.3%
$150k–$200k
4.5%
$200k+
3.6%
| Range | % of households |
|---|---|
| Under $10k | 7.4% |
| $10k–$15k | 2.0% |
| $15k–$25k | 9.4% |
| $25k–$35k | 8.8% |
| $35k–$50k | 17.6% |
| $50k–$75k | 17.2% |
| $75k–$100k | 15.1% |
| $100k–$150k | 14.3% |
| $150k–$200k | 4.5% |
| $200k+ | 3.6% |
| Median income | $55,586 |
Housing
Home values
Under $50k
11.3%
$50k–$100k
1.5%
$100k–$150k
18.6%
$150k–$200k
18.9%
$200k–$300k
23.8%
$300k–$500k
20.1%
$500k–$1M
5.5%
$1M+
0.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $199,500 |
| Median rent / month | $916 |
| Owner occupied | 41.7% |
| Renter occupied | 58.3% |
| Vacant | 5.4% |
| Single-family detached | 43.7% |
| Large apartment buildings | 34.2% |
| Mobile homes | 4.2% |
| Median rooms | 4.6 |
| Avg household size (owned) | 2.63 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 7.0% |
| 2000–2009 | 12.3% |
| 1990–1999 | 14.9% |
| 1980–1989 | 12.3% |
| 1970–1979 | 25.8% |
| 1960–1969 | 10.5% |
| 1950–1959 | 4.7% |
| 1940–1949 | 2.6% |
| 1939 or earlier | 10.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 8.3% |
| 1 bedroom | 18.3% |
| 2 bedrooms | 29.1% |
| 3 bedrooms | 24.9% |
| 4 bedrooms | 12.6% |
| 5+ bedrooms | 6.8% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 11.6% |
| 1 vehicle | 40.6% |
| 2 vehicles | 31.6% |
| 3 or more | 16.2% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 44.7% |
| Electricity | 45.6% |
| Propane / LP gas | 5.1% |
| Fuel oil | 0.8% |
| Wood | 0.6% |
| No fuel used | 1.1% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,021 | 29.2% |
| Cohabiting couple | 938 | 13.5% |
| Male householder, no spouse | 1,811 | 26.1% |
| Female householder, no spouse | 2,163 | 31.2% |
| Households with children under 18 | 1,900 | 27.4% |
| Households with seniors (65+) | 1,489 | 21.5% |
| Average household size | 2.26 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 52.0% | 37.4% |
| Married | 33.5% | 35.8% |
| Separated | 1.4% | 4.6% |
| Widowed | 1.2% | 9.8% |
| Divorced | 11.9% | 12.4% |
Education
Less than 9th grade
4.5%
Some HS, no diploma
9.5%
HS graduate
28.6%
Some college, no degree
24.7%
Associate's degree
8.9%
Bachelor's degree
17.2%
Graduate / professional
6.7%
| Metric | % |
|---|---|
| HS diploma or higher | 86.0% |
| Bachelor's or higher | 23.8% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 166 | 3.6% |
| Kindergarten | 306 | 6.6% |
| Elementary school | 1,595 | 34.5% |
| High school | 1,014 | 21.9% |
| College / grad school | 1,542 | 33.4% |
Employment
Industry of employment
Education & healthcare
25.4%
Retail trade
15.1%
Manufacturing
14.4%
Construction
10.3%
Arts, food & hospitality
7.7%
Professional & management
6.8%
Transportation & utilities
5.7%
Other services
5.7%
Finance & real estate
4.3%
Wholesale trade
1.9%
Public administration
1.4%
Information
1.2%
Agriculture & mining
0.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 29.5% |
| Service | 20.5% |
| Sales & office | 21.2% |
| Natural resources & construction | 9.2% |
| Production & transportation | 19.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 83.8% |
| Government | 11.3% |
| Self-employed | 4.8% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 80.5% |
| Carpool | 7.7% |
| Public transit | 1.7% |
| Walk | 5.0% |
| Work from home | 4.0% |
| Other means | 1.1% |
| Avg commute (minutes) | 21.5 |
Poverty
All people
18.6%
Under 18 years
23.7%
18 and over
17.1%
Married-couple families
2.0%
Female-led households
32.6%
Income support
| Source | % of households |
|---|---|
| Social Security | 21.4% |
| Retirement income | 15.9% |
| Supplemental Security | 4.3% |
| Cash public assistance | 5.2% |
| Food stamps / SNAP | 13.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 36.6% |
| High blood pressure | 26.4% |
| High cholesterol | 25.6% |
| Diabetes | 8.0% |
| Heart disease | 5.3% |
| Stroke | 2.7% |
| Asthma | 9.5% |
| Arthritis | 20.2% |
| Kidney disease | 2.5% |
| Pulmonary disease | 5.3% |
| Cancer | 5.3% |
| Behavior / access | % |
|---|---|
| Smoking | 19.2% |
| Binge drinking | 21.3% |
| No physical activity | 22.7% |
| Less than 7 hrs sleep | 29.4% |
| Depression | 22.7% |
| Fair or poor health | 12.8% |
| Poor mental health | 15.6% |
| Poor physical health | 9.3% |
| No health insurance | 13.6% |
| Visited doctor (checkup) | 66.7% |
| Visited dentist | 61.5% |
| Cholesterol screening | 83.0% |
| Teeth loss | 13.6% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 620 | 4.7% |
| Disability | % |
|---|---|
| Any disability | 14.9% |
| Under 18 | 5.9% |
| 18–64 years | 13.3% |
| 65 and over | 40.7% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 60.4% |
| Public insurance | 49.2% |
| No insurance | 4.7% |
| Uninsured under 19 | 1.5% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 15,900 | 94.2% |
| Spanish | 1,190 | 7.5% |
| Other Indo-European | 117 | 0.7% |
| Asian & Pacific Islander | 71 | 0.4% |
| Other languages | 266 | 1.7% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 14,714 | 87.1% |
| Born in same state | 14,493 | 85.8% |
| Born in different state | 11,066 | 65.5% |
| Foreign born | 221 | 1.3% |
| Naturalized citizen | 2,170 | 12.9% |
| Not a US citizen | 972 | 44.8% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 1,031 | 6.1% |
| Polish | 965 | 5.7% |
| French | 539 | 3.2% |
| Arab | 432 | 2.6% |
| Ancestry | Count | % |
|---|---|---|
| English | 159 | 0.9% |
| German | 101 | 0.6% |
| Dutch | 69 | 0.4% |
| Irish | 4 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.1% |
| Internet access | 90.3% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 56304
What city is ZIP code 56304 in?
ZIP code 56304 is primarily assigned to Saint Cloud, Minnesota.
What county is ZIP code 56304 in?
ZIP code 56304 falls within Benton County, Minnesota.
Is ZIP code 56304 mostly rentals?
58% of occupied units in ZIP code 56304 are renter-occupied.
What is the poverty rate in ZIP code 56304?
19% of residents in ZIP code 56304 live below the poverty line, above the national average.
What is the population of ZIP code 56304?
ZIP code 56304 has an estimated population of 16,884 residents, with a density of 278 people per square mile.
What is the typical home value in ZIP code 56304?
The median home value in ZIP code 56304 is $199,500.
What timezone is ZIP code 56304 in?
ZIP code 56304 observes the CST timezone.