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Stearns County, MN

RANK #319 / 996  ·  POP 158,622  ·  MN

PROJECTED GROWTH: +1.5%

Stearns County combines solid growth with real affordability — a rare combination.

[01] Why Stearns County?

Stearns County, Minnesota, is often recognized for its granite industry, earning St. Cloud the nickname "Granite City" due to its historic quarries. Located in central Minnesota, with St. Cloud as its largest city and county seat, it sits about 65 miles northwest of the Twin Cities of Minneapolis–St. Paul, making it accessible via Interstate 94. The county offers a blend of city and country living, characterized by rolling hills, woodlands, and numerous lakes and rivers. Outdoor recreation is a significant draw, with opportunities for biking, boating, fishing, hiking, and even unique activities like rock climbing and SCUBA diving in former quarries at Quarry Park and Nature Preserve.

Life in Stearns County offers a mix of community types, from the regional center of St. Cloud to smaller towns like Sartell, St. Joseph, and Cold Spring. Public schools in the county are generally above average. Commute options include local bus services and regional transit connecting to surrounding communities and the broader metropolitan area. The economy is diverse, with agriculture, particularly dairy and organic farming, playing a leading role. Manufacturing, especially granite production, also contributes significantly, alongside growing sectors like healthcare, tourism, retail, and service industries. The presence of institutions like St. Cloud State University, the College of Saint Benedict, and Saint John's University further shapes the community and its economic landscape.

[02] Market Snapshot

Housing Ratio
4.0x

Undervalued relative to economy

GDP Growth
+4.8%

Well above national median

Home Prices
+3.7%

Outpacing national median

Climate & Terrain
-2.9

Below-average climate & terrain

Price/Rent
16x

Above national median (13x)

Housing looks undervalued at 4.0x — home prices are low relative to local economic output. The typical U.S. county is 4–6x.

[03] Signal Profile

[04] Home Value Growth vs National

Stearns County U.S. National

The Numbers

DEMOGRAPHICS
Population
158,622
+0.62% YoY
Median Household Income
$73,105
Median Home Value
$241,100
+3.66% 12mo
Median Rent
$975
Average Annual Pay
$62,313
+4.6% YoY
Employment
87,252
+1.4% YoY
Income-to-Home-Value
0.3032
More affordable than average
Migration Inflow
6.28%
of pop. from another state

Market Activity

REAL ESTATE
Median Sale Price
$275,000
Days on Market
67
Slower market
Months of Supply
3.2
Balanced market
Sale-to-List Ratio
97.9%
Negotiation room for buyers
Sold Above List
20.4%
Listings w/ Price Drops
21.9%
Building Permits (2024)
572
Single-Family Permits
356

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Capital Investment

$725M
TOTAL
PROJECT AMOUNT STATUS
Justice Center Project
Stearns County
$325M Planned
Paynesville Wind Farm
Geronimo Energy (Paynesville Wind, LLC)
$155M Operating
Black Oak Getty Wind Farm
Geronimo Energy (Black Oak Wind, LLC and Getty Wind, LLC)
$135M Operating
Broadband Infrastructure Expansion
Stearns County, various providers
$60M Under Construction
Community Solar Portfolio (multiple projects)
Various (e.g., Geronimo Power, Enel Green Power NA, Inc.)
$50M Operating

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[06] Score Breakdown

GDP Growth +4.8% 82 percentile
Population Growth +0.6% 58 percentile
Income Growth +7.2% 19 percentile
Vacancy Rate 0.8% 77 percentile
Home Price Change +3.7% 78 percentile
Rent Growth +1.7% 29 percentile
Price/Rent 16x 22 percentile

Bars show percentile rank among all 996 counties.

[07] Frequently Asked Questions

Is Stearns County, MN a good place to move to?

Stearns County has a Boom Town Index score of 68/100, ranking #319 among 996 U.S. counties. With job growth at +1.4% and a median household income of $73,105, it's an above-average county on economic indicators.

Is Stearns County affordable?

The median home value in Stearns County is $241,100 with median rent at $975/month. The income-to-home-value ratio is 0.3032, which is more affordable than the national average.

Is Stearns County growing or shrinking?

Population growth: +0.6% year-over-year. Job growth: +1.4%. Home values changed +3.7% in the past 12 months.

Are people moving to Stearns County?

Yes — 6.28% of Stearns County's population moved from another state, which is above the national average and indicates strong in-migration.

[08] Similar Metros

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