St. Cloud, MN: 2-bedroom payment standards across 28 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for St. Cloud, MN MSA range from $1,040 to $1,520 for a 2-bedroom. The 90th-percentile ZIP code runs 1.46× the 10th — a gap of $480 a month — which ranks 75th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 28 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,359 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($1,040 to $1,520).
of the area's ZIP codes (6 of 28) sit above $1,359 — 110% of the area median.
Highest-rent ZIP codes in St. Cloud, MN
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 55320 | $1,520 | $1,368–$1,672 | above 110% |
| 2 | 55371 | $1,520 | $1,368–$1,672 | above 110% |
| 3 | 56304 | $1,520 | $1,368–$1,672 | above 110% |
| 4 | 56379 | $1,520 | $1,368–$1,672 | above 110% |
| 5 | 56377 | $1,390 | $1,251–$1,529 | above 110% |
| 6 | 56320 | $1,360 | $1,224–$1,496 | above 110% |
| 7 | 56301 | $1,310 | $1,179–$1,441 | 106% |
| 8 | 56374 | $1,290 | $1,161–$1,419 | 104% |
| 9 | 56357 | $1,270 | $1,143–$1,397 | 103% |
| 10 | 56387 | $1,250 | $1,125–$1,375 | 101% |
| 11 | 56302 | $1,240 | $1,116–$1,364 | 100% |
| 12 | 56388 | $1,240 | $1,116–$1,364 | 100% |
| 13 | 56395 | $1,240 | $1,116–$1,364 | 100% |
| 14 | 56398 | $1,240 | $1,116–$1,364 | 100% |
| 15 | 56330 | $1,230 | $1,107–$1,353 | 100% |
| 16 | 56321 | $1,220 | $1,098–$1,342 | 99% |
| 17 | 56335 | $1,190 | $1,071–$1,309 | 96% |
| 18 | 56352 | $1,190 | $1,071–$1,309 | 96% |
| 19 | 56303 | $1,170 | $1,053–$1,287 | 95% |
| 20 | 56356 | $1,130 | $1,017–$1,243 | 91% |
| 21 | 56333 | $1,100 | $990–$1,210 | 89% |
| 22 | 56371 | $1,050 | $945–$1,155 | 85% |
| 23 | 56310 | $1,040 | $936–$1,144 | 84% |
| 24 | 56325 | $1,040 | $936–$1,144 | 84% |
| 25 | 56368 | $1,040 | $936–$1,144 | 84% |
| 26 | 56369 | $1,040 | $936–$1,144 | 84% |
| 27 | 56375 | $1,040 | $936–$1,144 | 84% |
| 28 | 56376 | $1,040 | $936–$1,144 | 84% |
How St. Cloud, MN compares
Its internal spread of 1.46× (p90 ÷ p10) ranks 75 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.19×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.