Performance indicators for the Saint Cloud short-term rental market based on reliable data.
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Reliable / Active
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Middle-Earners Gross Yield
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Middle-Earners Revenue
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Middle-Earners Occupancy
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The highest-performing listings in Saint Cloud.
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Challenging to Investors
Short‑term rentals are technically allowed but not directly licensed; non‑owner‑occupied homes need a standard rental license with training, inspections, and habitability standards, while owner‑occupied units and ADUs are explicitly prohibited. The only clearly permitted lodging option is a Bed & Breakfast subject to tight caps (room/sleeping‑room limits, 14‑day guest stays, separation rules, landscaping, and no in‑room cooking). Compliance steps (training, inspections, possible license actions on violations) add cost and complexity, creating meaningful investor risk and reducing citywide permissiveness.
Local STR Agent
STR specialist · Saint Cloud, MN
St. Cloud or Saint Cloud (; French: [sɛ̃ klu]) is a city in the U.S. state of Minnesota and the largest population center in the state's central region. The population was 68,881 at the 2020 census, making it Minnesota's 12th-largest city. St. Cloud is the county seat of Stearns County and was named after the city of Saint-Cloud, France (in Île-de-France, near Paris), which was named after the 6th-century French monk Clodoald. Though mostly in Stearns County, St. Cloud also extends into Benton and Sherburne counties, and straddles the Mississippi River. It is the center of a contiguous urban area, with Waite Park, Sauk Rapids, Sartell, St. Joseph, Rockville, and St. Augusta directly bordering the city, and Foley, Rice, Kimball, Clearwater, Clear Lake, and Cold Spring nearby. The St. Cloud metropolitan area had a population of 199,671 at the 2020 census. It has been listed as the fifth-largest metro with a presence in Minnesota, behind Minneapolis–St. Paul, Duluth–Superior, Fargo-Moorhead, and Rochester. But the entire St. Cloud area is within Minnesota, while most of Fargo-Moorhead's population is in North Dakota and Superior, Wisconsin, contributes significant population to the Duluth area. St. Cloud is 65 miles (105 km) northwest of the Twin Cities of Minneapolis–St. Paul along Interstate 94, U.S. Highway 52 (conjoined with I-94), U.S. Highway 10, Minnesota State Highway 15, and Minnesota State Highway 23. The St. Cloud Metropolitan Statistical Area (MSA) is made up of Stearns and Benton Counties. The city was included in a newly defined Minneapolis–St. Paul–St. Cloud Combined Statistical Area (CSA) in 2000. St. Cloud as a whole has never been part of the 13-county MSA comprising Minneapolis, St. Paul, Bloomington and parts of western Wisconsin, though the Sherburne County portion is part of the 13-county MSA.St. Cloud State University, Minnesota's third-largest public university, is located between the downtown area and the Beaver Islands, which form a maze for a two-mile stretch of the Mississippi. The approximately 30 undeveloped islands are a popular destination for kayak and canoe enthusiasts during safe river levels and flow. and are part of a state-designated 12-mile stretch of wild and scenic river.St. Cloud owns and operates a hydroelectric dam on the Mississippi, the state's largest city-owned hydro facility, that can produce almost nine megawatts of electricity, about 10% of the total electricity generated by 11 Mississippi hydro dams in Minnesota.