St. Cloud, Minnesota
What Saint Cloud is made of: the communities whose institutions are here, the sectors its 4,581 businesses sit in, the franchises already on the ground, and the services a newcomer could start.
4,581 businesses on file · 150 trades · 33 sectors · census population 69,926 · registry population 68,881 · built from geonet.stcloud on 2026-10-07
Visiting rather than moving? The free guidebook for Saint Cloud → — the free guidebook for this region: why go, what to see, what is open when it rains.
The local economy
What the business base is made of, what it is specialised in against the national pattern, and what that mix implies. This is the part a development office would read first.
Composition, not health. geonet records what trades exist and where; it does not record formation, closure, employment or revenue, so none of those appear here. What makes this economics rather than a directory is the NAICS coding: it lets the local mix be read against the BLS survival curves and against the 323 industry groups this research has screened.
Every industry group on this page links through to its NAICS page, and to the screened market report where this research has one — that is what the trait-to-NAICS coding buys.
What this city is specialised in
Location quotient is this city's share of a trade divided by the same share across 10 US metro tables. Above 1.25 is the conventional threshold for a local specialisation.
Thin against the national pattern
Common trades that are under-represented here. For someone deciding what to open, this is the more useful half of the table — though a gap can mean unmet demand or a market that does not work here, and this does not tell you which.
The base against the entry screen
Businesses by the entry signal of the industry group they sit in, from the /markets screen. A large "structure decides" share means most local trades are ones where being better than the incumbent does not by itself win. A trade is matched to the screened record at whatever level the research wrote it — the same code, a broader one, or a narrower one. Where a group holds several screened sub-markets the count is shown, because no single one of them speaks for the whole group.
How to read the survival figure
Each sector's five-year establishment survival rate, weighted by how many of this city's businesses sit in that sector. It is a property of the MIX, not of these businesses — it says what survival this composition would imply at US private-sector rates, because no Canadian equivalent series exists.
Weighted over 97.7% of the coded base — public administration carries no curve. Source: Business Employment Dynamics — Table 7, Survival of private sector establishments by opening year, US Bureau of Labor Statistics.
And what it does not measure
A "mixed" trait is one that genuinely spans codes — "computers" covers systems design, repair and supply. The clear share is how much of this reading rests on unambiguous coding. Business density also reflects how completely the directory covers a place, not only how many businesses are in it — so it compares poorly between a city the register knows well and one it does not.
Who lives here, and who the city is for
The census: the only figures on this page that count people rather than businesses, and the three cohort readings they make possible.
The register says what trades exist. The census says who lives here — and it is the only thing on this page that counts people. Figures are American Community Survey 2019–2023 five-year estimates for St. Cloud city, Minnesota, the incorporated place, which is the city proper, and every comparison is against the United States as a whole, from the same ACS tables.
Detailed language is not published for American places. B16001, the table with individual languages, has no place-level rows; C16001 is what exists, and it names six languages and groups the rest into families. A Canadian city on this site names about forty.
Who the city is for
Three readings, each built from real numbers against real benchmarks. This is not an index. Every signal is shown with its own value, its benchmark and which way it points, and the band simply counts how many point the same way — so a reader who disagrees with one signal can drop it and still use the rest.
Seniors
thinIs this a place to grow old, and is the care here?
| Residents 65 and over | 13.8% | ▼16.8% |
| Residents 85 and overthe group that needs care rather than the group that is merely retired | 1.8% | –1.9% |
| Median age | 31 years | ▼38.7 years |
| Poverty ratethe US poverty threshold — a different definition from the Canadian pages, and not comparable to them | 18.5% | ▼12.4% |
| Medical clinics per 1,000 residentsfrom the business register | 0.06 | – |
| Pharmacies per 1,000 residentsfrom the business register | 0.29 | – |
| Median rent | 1005 $/mo | ▲1348 $/mo |
A high share of over-65s says other people made this choice; it does not say the care exists. The register has no category for a hospital at all, so distance to an emergency department is still missing.
Students and young adults
strongIs there a reason to be here between 19 and 25, and can they afford it?
| Residents 20 to 24 | 14.3% | ▲6.5% |
| Residents 15 to 19the cohort arriving next | 7.9% | ▲6.5% |
| Renter householdsa rental market is what makes a place possible to move to | 51.4% | ▲35% |
| Median rent | 1005 $/mo | ▲1348 $/mo |
| Unemployment rate | 6.5% | ▼5.2% |
| Degree holders in the adult population | 29.4% | ▼35% |
| Drinking places and recreationfrom the register | 20 | – |
Post-secondary institutions in the city are listed further down this page; where there are none, a high 20-to-24 share usually means work rather than study.
Newcomers and other-language speakers
moderateIs there already a community here, and has anyone built anything for it?
| Foreign-born residents | 12.7% | –13.9% |
| Arrived 2010 or laterthe band the ACS publishes; the Canadian pages use 2016 to 2021, so the two are not comparable | 46.5% | ▲29.4% |
| Speak a language other than English at home | 17.1% | – |
| Language groups above the reporting floor | 9 | – |
| Median household income | 61112 $ | ▼78538 $ |
The American census does not publish individual languages for a city — only the eleven groups below, six of which are single languages. A Canadian city on this site names about forty, so the two sections are not the same depth and should not be read as if they were.
What is spoken at home, and whether anyone built for it
The register-versus-census cross-check on the Canadian pages is not possible here: the ACS publishes language in groups, so "Other Indo-European languages" cannot be matched against an institution that names a community.
| Spoken most often at home | Speakers | Share | Community in the register | Institutions |
|---|---|---|---|---|
| Other and unspecified languages | 5,966 | 8.5% | not mapped to a marker | 0 |
| Spanish | 2,830 | 4% | not mapped to a marker | 0 |
| Other Asian and Pacific Island languages | 1,044 | 1.5% | not mapped to a marker | 0 |
| Vietnamese | 610 | 0.9% | not mapped to a marker | 0 |
| Other Indo-European languages | 431 | 0.6% | not mapped to a marker | 0 |
| French, Haitian, or Cajun | 380 | 0.5% | not mapped to a marker | 0 |
| German or other West Germanic languages | 322 | 0.5% | not mapped to a marker | 0 |
| Russian, Polish, or other Slavic languages | 219 | 0.3% | not mapped to a marker | 0 |
| Chinese (incl. Mandarin, Cantonese) | 174 | 0.2% | not mapped to a marker | 0 |
The rest of the profile
| Characteristic | Here | Canada |
|---|---|---|
| Residents 65 and over | 13.8% | 16.8% |
| Residents 85 and over | 1.8% | 1.9% |
| Residents 20 to 24 | 14.3% | 6.5% |
| Arrived 2016 to 2021 | 46.5% | 29.4% |
| Non-permanent residents | — | — |
| Speak a non-official language at home | 17.1% | — |
| Renter households | 51.4% | 35% |
| Spending 30% or more on shelter | — | — |
| Participation rate | 68% | 63.5% |
| Unemployment rate | 6.5% | 5.2% |
| Median household income, 2020 | 61112 $ | — |
| Median after-tax household income, 2020 | — | — |
| Prevalence of low income (LIM-AT) | 18.5% | — |
| Bachelor degree or higher | 29.4% | — |
The one thing to keep in mind
Five-year estimates pooled over 2019–2023, so a figure is an average of the period rather than a single year, and every value carries a margin of error this extract does not keep. Unlike the Canadian census, which counts everyone, the ACS is a sample — a small place's figures are correspondingly uncertain. ACS five-year estimate for the incorporated place, which is the city proper. It will differ from the figure in wander.regions, which is sometimes a metropolitan population.
Source: American Community Survey 2019–2023 five-year estimates — Table-based summary file, 2023, United States Census Bureau, under the US federal government work, public domain. National comparison: The United States row of the same ACS tables, not an average of places — roughly a third of Americans live outside any incorporated place, so summing places would understate the country.
The communities the register shows
A community appears in the business register before it appears in prose — a national church, a society, a credit union, a newspaper. Those are counted as institutions, and they are what suggests residents. A restaurant serving a cuisine is counted separately as trade, because every city has those and they say nothing about who lives nearby. The ranking is by institutions.
| Community | Institutions | Worship | Trade | Where it shows |
|---|---|---|---|---|
| Chinese | — | — | 6 | |
| Spanish-speaking | — | — | 4 | |
| Polish | — | — | 2 | trade on Osseo Ave N (2)
|
| Japanese | — | — | 1 | |
| Vietnamese | — | — | 1 | |
| Czech | — | — | 1 | |
| Dutch | — | — | 1 | |
| Somali | — | — | 1 | |
| Welsh | — | — | 1 |
What the city is made of
Every business on file, grouped by the sector it trades in. This is the economic-development view: where the 4,581 businesses actually are, and the specific trades inside each sector.
| Sector | Businesses | Share | What is in it |
|---|---|---|---|
| Living | 340 | 7.4% | place of worship (99) · apartment (66) · daycare (47) · cleaning (31) · furniture (23) · appliances (18) · veterinary (15) · janitor (10) |
| Construction | 337 | 7.4% | home builder (73) · painting (51) · general contractor (40) · plumbing (37) · excavating (22) · concrete (19) · roofing (17) · siding (13) |
| Business | 231 | 5% | government (57) · accounting (47) · consulting (47) · association (42) · vending (7) · cemetary (6) · foundation (4) · auction (2) |
| Finance | 220 | 4.8% | insurance (111) · bank (52) · real estate (21) · credit union (10) · mortgage (5) · stock broker (4) · loans (2) |
| Dining | 155 | 3.4% | restaurant (120) · pizza (18) · pubs (6) · diner (4) · burgers (2) · steakhouse (2) · fast food (2) · mexican food (1) |
| Automotive | 151 | 3.3% | autos (79) · auto repair (29) · tires (5) · motorcycle (4) · auto parts (3) · scooter (3) · detailing (3) |
| Retail | 148 | 3.2% | gifts (50) · department store (17) · jeweler (17) · photography (16) · convenience (14) · antiques (9) · flowers (6) · fuel (5) |
| Health | 140 | 3.1% | physician (39) · chiro (22) · home healthcare (13) · pharmacy (11) · optical (9) · fitness club (6) · medical clinic (4) |
| Beauty | 140 | 3.1% | hair stylist (72) · dentist (39) · barber (10) |
| Realty | 110 | 2.4% | real estate (108) · auction (1) · realtor (1) |
| Logistics | 90 | 2% | truck transportation (49) · storage (24) · packaging (4) · railroad (3) · wholesale (1) |
| Media | 89 | 1.9% | advertising (34) · signs (24) · printing (17) · books (13) · bank (1) |
| Law | 86 | 1.9% | lawyer (19) · mediator (7) · paralegal (2) |
| Education | 81 | 1.8% | school (64) · writing (7) · library (6) · garden (3) |
| Agribusiness | 81 | 1.8% | landscaping (51) · dairy (10) · livestock (7) · fresh produce (6) · forestry (4) · irrigation (2) · auction (1) |
| Construction & Realty | 79 | 1.7% | |
| Tech | 71 | 1.5% | computers (50) · wireless (8) · telecom (8) |
| Retail Goods | 65 | 1.4% | |
| Travel | 61 | 1.3% | motel (29) · travel agent (15) · parking (5) · truck rental (4) · hotel (2) · airline (1) · bnb (1) |
| Living & Home | 57 | 1.2% | garden (2) |
The franchises already here
Brands from a register of 2,024 franchise systems, matched into this city by name. A high count is a signal in both directions: the territory works, and it may be taken.
33 of these brands are a single common word — Metro, Avenue, Budget — so their counts include businesses that merely share the word. They are marked rather than dropped.
| Brand | Category | Here | Worldwide |
|---|---|---|---|
| American Family Insurance | insurance | 4 | 4,000 |
| Burger King | fastfood | 4 | 11,000 |
| Dairy Queen | fastfood | 3 | 5,900 |
| Great Clips | hair | 3 | 2,600 |
| Sunglass Hut | retail | 3 | — |
| ACE Hardware | hardware | 2 | 4,700 |
| Caribou Coffee | coffee | 2 | — |
| Cub Foods | supermarket | 2 | 84 |
| Holiday Inn | businesshotel | 2 | — |
| Leeann Chin | food | 2 | 20 |
| Petite Sophisticate | retail | 2 | — |
| Pizza Hut | pizza | 2 | 10,000 |
| Salvation Army | retail | 2 | — |
| Super 8 | economyhotel | 2 | — |
| Taco Bell | tacos | 2 | 5,845 |
| Tom Thumb | supermarket | 2 | 62 |
| Wal-Mart | retail | 2 | 6,500 |
| American Eagle Outfitters | retail | 1 | 827 |
| Batteries Plus | retail | 1 | 254 |
| Best Western | businesshotel | 1 | 4,200 |
| Blockbuster Video | video | 1 | 5,900 |
| Budget Blinds | retail | 1 | — |
| Catherines Plus Sizes | retail | 1 | — |
| Circuit City | retail | 1 | 600 |
| City Looks | hair | 1 | — |
| Cold Stone Creamery | dessert | 1 | 1,350 |
| Comfort Inn | familyhotel | 1 | — |
| Curves For Women | fitness | 1 | 10,000 |
| Days Inn | economyhotel | 1 | — |
| Dunkin' Donuts | donuts | 1 | 6,000 |
| Eddie Bauer | retail | 1 | 370 |
| Express Personnel Services | job | 1 | 500 |
| Fashion Bug | retail | 1 | 1,000 |
| Finish Line | retail | 1 | 700 |
| Hertz Rent A Car | car | 1 | 7,000 |
| Hickory Farms | supermarket | 1 | — |
| Hollywood Video | video | 1 | 2,700 |
| Home Depot | home | 1 | 2,104 |
| KB Toys | retail | 1 | 5 |
| Kitchen Solvers | specialty | 1 | — |
| Little Caesars Pizza | pizza | 1 | 1,800 |
| Merry Maids | cleaner | 1 | 970 |
| Miracle-Ear | specialty | 1 | 1,500 |
| Motel 6 | budgethotel | 1 | 360 |
| NAPA Auto Parts | auto | 1 | 18,000 |
| National Property Inspections | realestate | 1 | 288 |
| Office Depot | retail | 1 | 1,091 |
| Old Chicago | food | 1 | — |
| Outback Steakhouse | food | 1 | — |
| Panera Bread | deli | 1 | — |
| Party America | retail | 1 | — |
| Pearle Vision | specialty | 1 | 100 |
| Pier 1 Imports | retail | 1 | 1,200 |
| Ramada Inn | familyhotel | 1 | 740 |
| Sam Goody | retail | 1 | — |
| Stanley Steemer Carpet Cleaner | cleaner | 1 | 300 |
| Sylvan Learning | school | 1 | 710 |
| Things Remembered | retail | 1 | 600 |
| Toys "R" Us | retail | 1 | 1,400 |
| U-Haul | car | 1 | 13,700 |
| Wet Seal | retail | 1 | 330 |
| Wild Birds Unlimited | retail | 1 | 307 |
| Centra name only | convenience | 8 | 350 |
| Sears name only | inc | 6 | 2,300 |
| Manor name only | retail | 5 | — |
| Michaels name only | retail | 4 | 805 |
| AllState name only | insurance | 3 | — |
| Limited name only | retail | 3 | — |
| ShopKo name only | retail | 3 | 135 |
| Hallmark name only | greetingcards | 2 | 5,600 |
| HESS name only | fuel | 2 | 1,250 |
| Husky name only | fuel | 2 | — |
| Midas name only | auto | 2 | 1,800 |
| AmericInn name only | accommodation | 1 | 230 |
| AutoZone name only | auto | 1 | 3,800 |
| Beltone name only | specialty | 1 | 1,500 |
| CARQUEST name only | auto | 1 | 3,400 |
| Carrows name only | food | 1 | 100 |
| Champion name only | supermarket | 1 | 1,000 |
| Chipotle name only | fastfood | 1 | — |
| Coach name only | luggage | 1 | — |
| Diana name only | supermarket | 1 | 3 |
| FastFrame name only | specialty | 1 | 300 |
| Greyhound name only | travel | 1 | — |
| Gymboree name only | retail | 1 | 550 |
| Honda name only | car | 1 | — |
| Mitsubishi name only | auto | 1 | — |
| Renaissance name only | upscalehotel | 1 | — |
| Stitches name only | retail | 1 | — |
| SuperCuts name only | inc | 1 | 2,000 |
| Tiffany name only | retail | 1 | 150 |
| Travelodge name only | economyhotel | 1 | — |
| Walgreens name only | pharmacy | 1 | 4,000 |
| YMCA name only | fitness | 1 | — |
| Ziebart name only | auto | 1 | 500 |
Real estate as a local trade
Four unrelated jobs share the name: selling existing homes, owning and letting them, managing them for someone else, and building new ones. For anyone weighing a move or a licence these are the counts — and the ownership question goes to /property, which answers it building by building.
Real estate is a local job market in its own right, and four unrelated trades get the same name. Counts are businesses filed under each trade in the register, which lists a brokerage once however many agents work there — so this measures firms, not licensees.
Selling homes
5312Offices of agents and brokers — the resale market, and the biggest single trade in most Canadian cities.
Named in the register
- Bruener Block — 803 W Saint Germain St
- Epic Properties — 1011 2nd St N # 109
- Executive Real Estate — 44 28th Ave N # B
- Home Inspection Enterprises — 2200 Prospect Dr NE
- James Development — 4222 Clearwater Rd
- Johnson Properties — P.O. BOX 6061
- Mj Property Management — 1817 26th St S
- Nationwide Mortgage Service — 26 6th Ave N # 220
- Nelson Brothers Realestate Service — 1211 Glasgow Rd
- Oak Grove Town Homes — 1728 Oak Grove Rd SW
- S BR Properties — 18 Morningside Rd
- Stainbrook Rueter Commercial P — 1011 2nd St N Ste 109
- United Residential Mortgage — 3700 W Division St
- Viking Land — 830 W Saint Germain St # 212
Owning and letting
5311Lessors of real estate: the buildings themselves, filed under the building rather than the owner.
Named in the register
- Catholic Charities Hsing Svcs — P.O. BOX 1416
- Charlamain Apartments — 505 12th St S
- Colonial Crt Aprtmnts N Pointe — RURAL ROUTE 2051 NORTHWAY CI
- Garden Square Apartments — 1212 Washington Memorial # 438
- Goettens Grove Apts and Twnhms — 2613 16th St S
- Greenbriar Apts — 606 25th Ave S
- Heritage Park Estates — 3600 W Saint Germain St
- Mid Continent Management — 3201 14th St N
- Mid Continent Management — 1428 W Saint Germain St
- Natures Edge Apartments — 4222 Clearwater Rd # 101
- North Way Apartments — 1225 14th St N
- Oakwood Heights — 1615 7th St SE
- Pan Town Village — 435 33rd Ave N
- Stratford Square Apts — 3403 22nd St S # 201
Managing for owners
5313Property managers, who run buildings the landlord does not.
Named in the register
- B B Clean — 840 Sierra Ln
- Buttweiler Environmental — P.O. BOX 931
- Cy Kuefler Properties — P.O. BOX 1798
- Envirotech Building Services — P.O. BOX 931
- Jerome Donabauer — 811 7th Ave N
- Reeds Midtown Maintenance — 1124 23rd Ave N
- T and D Maintenance — 401 24th Ave N
- White Glove Transfer — 805 33rd Ave N
Building new homes
2361Residential builders and the general contractors who work for them.
Named in the register
- Abba Roofing and Construction
- Dorn Fischer Construction — 1633 Quail Dr
- Gerlich Construction — 133 18th Ave N
- Grandstay Hospitality — 24707 County Road 75
- John L Dingmann Construction — 1025 15th Ave SE
- Land OLakes Builders — 640 Roosevelt Rd
- Noble Custom Homes — 5491 Garden Hills Dr
- Pekarek Construction — 511 Wilson Ave Ne
- Shingobee Builders — 1642 75th Ave S
- Suite Additions — 403 2nd Ave NE
- Tresco Construction — 5899 Sandy Dr
- Vision Homes — 1610 34th Ave N
- Washington Homes — 820 8th Ave S
- Wimmer Construction — 8300 263rd St
Financing it
5222Mortgage brokers and non-bank lenders.
Named in the register
- 401k Loans — 26 6th Ave N
- Centurion Mortgage — 821 W Saint Germain St
- Citizens Mortgage — 10 Rivercrest Dr APT 204
- Exclusive Mrtg Solutions — 3223 Veterans Dr 1
- First Integrity Mortgage — 4150 2nd St S Ste 410
- Midsota Mortgage — 1020 Borgert Ave
- Preferred Credit — 3051 2nd St S # 200
On "how many doors"
How many doors a landlord holds is not in any of this. The register files an apartment building under the building, not its owner, and carries no unit count; there is no open dataset of Canadian landlords by portfolio. Where this research has established ownership it is in the /property record for the city, building by building, which is a different and much slower exercise.
Work where you go to them
The Ultimate 411 half of local: everything where the customer does not have to come to you.
A shop needs the customer to walk in. These 157 services do the opposite — the mobile mechanic, the mobile groomer, the bookkeeper, the junk haul — and they are the ones a person can start without a lease. 0 of them already match a trait filed in this city's register.
The 157 Service=1 rows in search.local: work where the provider travels to the customer. "present" counts businesses already filed under that exact trait name; a blank is a coverage gap, not proof of absence, because the two vocabularies were built separately.
home services
events
pets
luxury
healthcare
sporting goods
sports
business
outdoors
construction
travel
tools
Schools and colleges
wander.schools is a post-secondary table — universities and colleges. K-12 public and private schools are not in it, and only 7 of its 1,686 rows carry coordinates, so these are listed and not mapped.
In the business register
Where schooling shows up as a business rather than an institution — which is where K-12, tutoring and childcare appear.
Health and care
What a person moving a parent here would ask first. The register files clinics and pharmacies; it has no category for a hospital at all, so hospitals are matched by name and the limit is stated rather than hidden.
Matched on the name "hospital"
- St Cloud Hospital Recovery Pls — 713 Anderson Ave
- St Cloud Hospital Breast Center — 1900 Centracare Cir
- St Cloud Hospital Sleep Center — 48 29th Ave N
- Saint Cloud Animal Hospital — 300 Lincoln Ave Ne
- Granite City Pet Hospital — 2935 2nd St S
- Companion Animal Hospital — 2703 Clearwater Rd
- North Oaks Pet Hospital — 1 N River Rd
- Mental Health Center — 1509 24th Ave N
- Chiropractic Health Center — 3405 3rd St N
- St Cloud Hospital Hospice — 48 29th Ave N # 15
geonet carries no 'hospital' trait, so these are matched on the business name. A distance-to-hospital figure needs a source that states hospital locations.
What this record cannot tell you
Named in full, because the gaps are the part most likely to be misread as an answer.
- Census figures are 2021, taken on 11 May 2021: income is for 2020 and the labour figures were measured mid-pandemic, so the unemployment rate on this page is a 2021 reading rather than a current one.
- wander.schools is now readable, but it holds universities and colleges only and 1,679 of its 1,686 rows have no coordinates. K-12 public and private schools need a separate source — in Ontario the Ministry of Education school finder, in British Columbia the provincial school list. wander.citytowns, hotels and territories remain denied to the ru user.
- No 'hospital' trait exists in geonet; distance to a hospital needs an external source such as StatCan's Open Database of Healthcare Facilities.
- 100.0% of businesses here carry no coordinates, so a map or address lookup would miss them. Postal codes reach 100%.
Built from
geonet.stcloud— the local business registerwander.regions— city name, population, metrosearch.local— trait vocabulary and the come-to-you servicessearch.cozfranchises— 2,024 franchise brands