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Stearns County, MN

RANK #674 / 1001 NAT  ·  #13 / 18 MN  ·  POP 160,865

1YR FORECAST: +1.4%

5YR OUTLOOK: +26%

Our model projects Stearns County's housing market at +1.4% over the next year, underperforming most U.S. counties.

[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.

MARKET PROFILE

Educated Suburban Growth

Stearns County is one of 110 U.S. counties in this market profile — weaker than typical on the BoomTown Index. Within this cohort, its recent home-price change of +3.6% runs above the profile's typical +2.4%.

See all 110 Educated Suburban Growth counties →

[02] Market Snapshot

Housing Ratio
7.7x

Overvalued relative to economy

Home Prices
+3.6%

Outpacing national median

Climate & Terrain
-2.9

Below-average climate & terrain

Price/Rent
18x

Above national median (15x)

Housing looks overvalued at 7.7x — home prices are high relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    CentraCare Health Systems Healthcare
    10,000+
  2. 2
    Coborn's, Inc. Retail
    5,000+
  3. 3
    State of Minnesota Government
    1,000+
  4. 4
    St. Cloud VA Health Care System Healthcare
  5. 5
    St. Cloud Area School District #742 Education
  6. 6
    New Flyer of America, Inc. Manufacturing
    500+
  7. 7
    Anderson Trucking Service (ATS) Logistics
  8. 8
    Stearns County Government
  9. 9
    Essilor of America Manufacturing
  10. 10
    City of St. Cloud Government
    250+

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Stearns County U.S. National

Bars show trailing 12-month growth. The dashed Forecast bars are the model's next-12-month projection; the whisker marks the ±1% range (cooling–accelerating).

The Numbers

DEMOGRAPHICS
Population
160,865
+0.95% YoY
Median Household Income
$77,066
Median Home Value
$273,400
+3.61% 12mo
Median Rent
$1,068
Average Annual Pay
$65,367
+4.9% YoY
Employment
87,412
+0.2% YoY
Income-to-Home-Value
0.2819
More affordable than average
Migration Inflow
6.01%
of pop. from another state
Bachelor's Degree+
28.8%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$305,450
Days on Market
26
Active market
Months of Supply
2.1
Seller's market
Sale-to-List Ratio
99.2%
Near asking price
Sold Above List
29.2%
Listings w/ Price Drops
30.2%
Building Permits (2025)
648
Single-Family Permits
371

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

[05] Crime & Safety

B+
SAFETY
GRADE
Homicide Rate
2.2
per 100K · nat avg 6.3
Firearm Fatalities
7.9
per 100K · nat avg 14.8
Injury Deaths
67.6
per 100K · nat avg 76.3
vs National Average
Well below national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Air Quality

B
AIR QUALITY
GRADE
Median AQI (3yr)
42.3
Good
Good Air Days
66%
664 of 1,004 days
Unhealthy+ Days (3yr)
20
Includes 1 Very Unhealthy
Primary Pollutant
PM2.5
Fine particulate matter
Yearly Trend
2021
40
2022
39
2023
48
Median AQI · lower is better

Source: EPA Air Quality System (2021–2023). Grade based on 3-year average median AQI. Learn about AQI →

[07] 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.

[08] Score Breakdown

Population Growth +0.9% 65 percentile
Income Growth +0.8% 13 percentile
Vacancy Rate 1.0% 46 percentile
Home Price Change +3.6% 74 percentile
Rent Growth +1.4% 26 percentile
Price/Rent 18x 26 percentile

Bars show percentile rank among all 1001 counties.

[09] Frequently Asked Questions

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

At 32/100, Stearns County faces headwinds that place it in the lower third of the 1001 counties we track. Median income of $77,066 combined with job growth of +0.2% suggests the local economy is struggling to keep pace with national trends.

Is Stearns County affordable?

Housing in Stearns County is roughly in line with national affordability norms. The median home costs $273,400 and the income-to-home-value ratio sits at 0.28, with rents averaging $1,068/month. Not a bargain, but not a stretch for most local earners either.

Is Stearns County growing or shrinking?

Stearns County's population is growing — up +0.9% YoY — while the job market is roughly flat (employment change of +0.2%). Home values shifted +3.6% over the past year. In-migration is outpacing local hiring, which often points to remote workers or retirees driving the headcount.

Are people moving to Stearns County?

In significant numbers — 6.01% of Stearns County's current population relocated from another state, well above the national norm. That level of in-migration usually signals a county where jobs, affordability, or quality of life are pulling people in from elsewhere.

[10] Similar Counties by Size & Score

Clay County, MN 32 Hennepin County, MN 34 Dakota County, MN 27 Ramsey County, MN 40 Wright County, MN 42 Scott County, MN 22 Wilson County, TN 32 Merrimack County, NH 32