ZIP Code 56304 is associated with the city of Saint Cloud in Minnesota (Stearns County) in the U.S. Median househould income is approximately $49,917, and an estimated 12% of the population is living below the poverty line. An estimated 86.8% in this Minnesota region have a high school degree or higher, while the per capita income comes in at approximately $27,612. The median age in ZIP Code 56304 is approximately 34.9 years, with 17.0% of residents aged 62 years and older. The current population estimate is 16,701.
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The median household income in ZIP Code 56304 is $49,917, while the region's mean household income is $63,891. Breaking income down further, per capita income in the region is $27,612. The per capita income in ZIP Code 56304 of $27,612 is approximately 26.61% less than the per capita income in the U.S. overall of $37,625. An estimated 12.1% of the population is living below the poverty line in this region. This rate is approximately27.37% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 19.5% of the population in 56304 earn $50,000 to $74,999 per year, while an estimated 15.0% earn $35,000 to $49,999 per year, and 2.6% of 56304 residents earn $200,000 or more per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 10.4% |
| $10,000 to $14,999 per year | 5.3% |
| $15,000 to $24,999 per year | 10.5% |
| $25,000 to $34,999 per year | 8.9% |
| $35,000 to $49,999 per year | 15.0% |
| $50,000 to $74,999 per year | 19.5% |
| $75,000 to $99,999 per year | 11.5% |
| $100,000 to $149,999 per year | 11.1% |
| $150,000 to $199,999 per year | 5.3% |
| $200,000 or more per year | 2.6% |
In ZIP Code 56304, 86.8% of the population graduated high school, while 26.2% have a bachelor's degree or higher. In this region, 4.1% achieved an education level less than 9th grade, while 8.2% hold a graduate or professional degree. Approximately 26.5% in this Stearns County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 4.1% |
| 9th to 12th grade, no diploma | 9.1% |
| High school graduate (includes equivalency) | 26.5% |
| Some college, no degree | 23.0% |
| Associate's degree | 11.1% |
| Bachelor's degree | 18.0% |
| Graduate or professional degree | 8.2% |
Looking at race in the population that makes up ZIP Code 56304, 96.0% is one race, while 4.0% are two or more races. Approximately 3.1% of 56304 residents are hispanic or Latino (of any race). The most common race in 56304 (race alone or in combination with one or more other races), is White (81.1%), followed by Black or African American (17.1%) .
| Industry | Percent |
|---|---|
| White | 81.1% |
| Black or African American | 17.1% |
| American Indian and Alaska Native | 2.9% |
| Asian | 2.6% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.6% |
Residents of ZIP Code 56304 are younger than average. The median age of 34.9 years in ZIP Code 56304 is approximately 8.4% lower than the overall median age in the U.S. of 38.1 years. About 81.2% of residents are aged 18 years and older, and 17.0% of residents are 62 years and over. Approximately 17.5% of the population in 56304 falls in the age group 25 to 34 years, while an estimated 12.9% are aged 35 to 44 years. On the low end of the scale, 2.4% of 56304 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 5.4% |
| 5 to 9 years | 4.5% |
| 10 to 14 years | 5.9% |
| 15 to 19 years | 5.8% |
| 20 to 24 years | 11.1% |
| 25 to 34 years | 17.5% |
| 35 to 44 years | 12.9% |
| 45 to 54 years | 10.9% |
| 55 to 59 years | 6.7% |
| 60 to 64 years | 5.0% |
| 65 to 74 years | 7.6% |
| 75 to 84 years | 4.3% |
| 85 years and over | 2.4% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 56304 is current access to health insurance, as an estimated 90.7% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 56304 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 90.7% |
| Risk Behavior | Percent of adults* |
|---|
Regarding the age of homes in ZIP Code 56304, an estimated 24.4% of homes were built between 1970 and 1979. Additionally, 17.8% of homes in the region were built between 1980 and 1989, while an estimated 0.4% of homes were built between 2010 and 2013 in this Stearns County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 2.6% |
| Built between 2010 and 2013 | 0.4% |
| Built between 2000 and 2009 | 10.1% |
| Built between 1990 and 1999 | 11.9% |
| Built between 1980 and 1989 | 17.8% |
| Built between 1970 and 1979 | 24.4% |
| Built between 1960 and 1969 | 11.6% |
| Built between 1950 and 1959 | 7.5% |
| Built between 1940 and 1949 | 3.9% |
| Built in 1939 or earlier | 9.8% |
In 56304, 63.8% of the population is in the labor force. Recent estimates place 2.3% as working from home, while the total labor force in the region has a mean travel to time to work of 21.6 minutes. Approximately 27.8% of the employed population 16 years and over in 56304 work in educational services, and health care and social assistance, while an estimated 13.6% work in retail trade. On the lower end of the scale, just 0.7% of 56304 workers 16 years and over work in information.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.8% |
| Construction | 6.7% |
| Manufacturing | 13.0% |
| Wholesale trade | 2.6% |
| Retail trade | 13.6% |
| Transportation and warehousing, and utilities | 4.8% |
| Information | 0.7% |
| Finance and insurance, and real estate and rental and leasing | 4.3% |
| Professional, scientific, management, and administrative | 7.8% |
| Educational services, and health care and social assistance | 27.8% |
| Arts, entertainment, and recreation, and accommodation and food services | 11.2% |
| Other services, except public administration | 5.6% |
| Public administration | 1.0% |
In ZIP Code 56304, 88.1% of the population lists "English only" as the language spoken in home, while 1.6% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.6% of homes, and other Indo-European languages are spoken in 1.6% of homes. Lastly, 7.2% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Stearns County region.
| Language Spoken | Percent |
|---|---|
| English only | 88.1% |
| Spanish | 1.6% |
| Other Indo-European languages | 1.6% |
| Asian and Pacific Islander languages | 1.6% |
| Other languages | 7.2% |
Regarding solar power potential, ZIP Code 56304 has an average daily solar radiation level of 4.83 kWh/m2/day. This is approximately 17.23% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 26.71% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 56304 | 11.48¢/kWh | 8.73¢/kWh | 6.83¢/kWh |
| Minnesota | 16.32¢/kWh | 13.1¢/kWh | 9.79¢/kWh |
| United States | 16.62¢/kWh | 13.58¢/kWh | 8.81¢/kWh |
| Month | ZIP Code 56304 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.15 | 1.9 | 5.84 |
| Feb | 4.5 | 3 | 6.31 |
| Mar | 5.06 | 3.65 | 7.02 |
| Apr | 5.52 | 5.13 | 7.3 |
| May | 5.75 | 5.17 | 7.13 |
| Jun | 5.94 | 5.72 | 6.95 |
| Jul | 6.27 | 6.22 | 6.51 |
| Aug | 5.83 | 6.08 | 6.65 |
| Sep | 5.48 | 5.15 | 7.02 |
| Oct | 4.35 | 3.32 | 6.92 |
| Nov | 3.36 | 2.33 | 5.99 |
| Dec | 2.77 | 1.78 | 5.46 |
Regarding consumer complaints about financial products in ZIP Code 56304, credit reporting or other personal consumer reports have received the most complaints in 56304 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this Stearns County region was improper use of a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 38 |
| Credit reporting or credit repair services | 11 |
| Checking or savings account | 3 |
| Credit card or prepaid card | 2 |
| Debt collection | 2 |
| Other | 3 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Improper use of your report | 21 |
| Problem with a company's investigation into an existing problem | 21 |
| Incorrect information on your report | 5 |
| Problem with a credit reporting company's investigation | 3 |
| Dealing with your lender or servicer | 2 |
| Other | 7 |