Real Estate and Mortgage Guide for St Cloud, MN

Located approximately 65 miles to the North and West of Minneapolis-St Paul is the city of St Cloud, Minnesota. In terms of population, St Cloud ranks at number 8 among cities in Minnesota.

Population and Number of Homes

The 2010 census shows that over 65,000 people live in St Cloud. With 27,338 housing units, the population density comes in at 682 people for every square mile.

The breakdown of the population is as follows

Age Group Percent of Population
Under 18 18.90%
18 to 24 23.90%
25 to 44 25.50%
45 to 64 21.50%
Over 64 10.30%

Based on this breakdown 28 is the median age.

Local Economy

There are a handful of companies that offer employment to a large number of people in St Cloud. Based on numbers of employees for each company, here are the top employers

  • CentraCare Health System Hospital
  • State of Minnesota
  • St Cloud VA Medical Center
  • Electolux Home Products
  • St Cloud School District
  • New Flyer Industries

Average Weather

St Cloud enjoys mild weather with 4 full seasons throughout a normal year. Rainfall in the spring, summer, and fall is common with a total of 28 inches during the course of the year. Snowfall in winter is very common. St Cloud will usually see a total of 42 inches of snow during a typical winter season.

The warmest time of the year is in July when temperatures can reach as high as 84 degrees. The coldest time of the year is in January when temperatures can drop to 2 degrees.

Universities, Colleges and Junior Colleges

Within St Cloud are a university and community college. St Cloud State University has a full-time enrollment of approximately 12,800+ students. St Cloud Technical and Community College has an enrollment of 3,400+ students

Within a radius of 50 miles of St Cloud are several more quality schools of higher learning.

  • College of St Benedict
  • North Hennepin Community College
  • Anoka-Ramsey Community College
  • Ridgewater College
  • Hennepin Technical College

Public School System

St Cloud is served by the St Cloud Area School District. The school district oversees the education for Waite Park, St Augusta, Haven Township, St Joseph, and Clearwater in addition to St Cloud. There are two high schools in this district, St Cloud Apollo High School and St Cloud Technical High School.

Private Schools

While there are several faith-based private schools in St Cloud only Cathedral High School offers classes up to the 12th grade.

Important Stats for Level of Education

For the St Cloud residents that are at least 25 years of age, here are the major education statistics

92.5% graduated from high school
29.8% earned a bachelor’s degree
12% earned a professional or graduate degree
The unemployment rate is 7%

Transportation Options

St Cloud Metro Bus offers bus service in the city of St Cloud. The same organization also has bus routes that connect St Cloud to the following areas: Waite Park, Sauk Rapids, and Sartell.

Metro Bus Transit Center is localized to the downtown area of St Cloud. This bus service connects to Jefferson Lines in order to provide transportation all across the nation.

Popular Restaurants and Other Hot Spots

St Cloud is home to a diverse range of restaurants that are sure to please almost any appetite.

  • White Horse – American pub
  • Bravo Burritos – traditional Mexican cuisine
  • Star of India – offers food based out of India
  • Sawatdee Thai Restaurant – Thai food
  • China Restaurant – as the name implies, traditional Chinese food
  • Mongo’s Grill – Mongolian food
  • House of Pizza – traditional pizza house


CentraCare Health System Hospital is the primary hospital in the area along with St Cloud VA medical center that caters to Veterans.

Outdoor Activities

St Cloud has a total of 95 parks that are managed for the enjoyment of the general public. These parks all combined have more than 1400 acres of usable area. The biggest park, Whitney Memorial Park, is a converted airport. This park includes a dog park area, recreation facilities for senior-aged citizens as well as sports facilities such as soccer fields, baseball diamonds, and softball fields.

Why Choose us as Your St Cloud Mortgage Lender?

We are a Mortgage Lender specializing in mortgage loans since we first opened our doors. With licensed offices in 47 states, we have the staff and the experience to meet any home loan needs.

We were named to Mortgage Executive Magazine's list of Top 100 Mortgage Companies in America. In 2018 we were awarded as a Top Mortgage Lender in Top Dollar Volume by Scotsman Guide. We were also named a Top Workplace by the Houston Chronicle for the 5th year. Finally, we were named to Inc. 5000 list of Fastest-Growing Private Companies in America.

Besides these accolades, we are proud that President Ron Zach was named to National Mortgage Professional Magazine’s list of the 40 most influential mortgage professionals under 40.

How to Buy a Home in St Cloud with Little or No Money Down

Of course you want to buy a home in St Cloud with no down payment. Who doesn’t?

Here’s how you do it:

Many people never buy the home of their dreams simply because they don't think they have enough money for the down payment. They have been told through the years that they need 10% or 20% of the purchase price in order to buy a home. Well, this is true for the conventional/conforming loan programs but not for St Cloud Government loans.

So why have so many Lenders told them this?

It’s because selling homes to people with 10% or 20% down is easier than selling homes to people who have little or no money for a down payment. Most mortgage loan officers would rather go after the "easy sale" than try to help people who would rather save the down payment money for a rainy day or for current and future repairs/upgrades.

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