Census tract · Stearns County
Census Tract 10.02, Stearns County, Minnesota
Census Tract 10.02, GEOID 27145001002, in Stearns County, Minnesota, mostly within St. Cloud (95% of its census blocks). 5,767 residents in the ACS 2020-2024 5-year estimates (±675); the 2020 Census counted 6,213.
Residents, 2020-2024
5,767
±675 (90% margin)
2020 Census count: 6,213
Median household income
$75,516
±$15,814 (90% margin)
Stearns County: $77,066
Median home value
$265,600
±$26,001 (90% margin)
Stearns County: $273,400
Median gross rent
$1,192
±$219 (90% margin)
Stearns County: $1,068
Where is Census Tract 10.02?
Census Tract 10.02 is one of 37 census tracts in Stearns County, Minnesota. It covers 3.24 square miles of land, 1,920 residents per square mile in 2020. Its GEOID, 27145001002, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. Cloud | 95% |
| St. Joseph | 1% |
| Le Sauk Township | 1% |
| St. Joseph Township, Stearns County | 1% |
| St. Wendel Township | 1% |
6 census tracts border Census Tract 10.02: Tract 5.01 ($43,382), Tract 7.01 ($68,976), Tract 10.03 ($80,964), Tract 101.04 ($66,152), Tract 102 ($111,875) and Tract 113.08 ($78,878). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 10.02?
The 2020-2024 American Community Survey puts Census Tract 10.02's population at 5,767 (±675) in 2,487 households; the 2020 Census counted 6,213 residents and 2,872 housing units.
| Measure | Tract 10.02 | St. Cloud |
|---|---|---|
| Total population | 5,767 ±675 | 70,629 |
| Households | 2,487 ±259 | 27,807 |
| Average household size | 2.30 ±0.16 | 2.36 |
| Housing units | 2,566 ±254 | 29,762 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 10.02?
The median resident of Census Tract 10.02 is 33.7 years old; 22.8% are under 18 and 16.6% are 65 or older. The largest group is non-Hispanic white residents at 80.4%, then Hispanic or Latino residents (of any race) at 7.4%.
| Measure | Tract 10.02 | St. Cloud |
|---|---|---|
| Median age | 33.7 ±4.6 | 30.6 |
| Under 18 years | 22.8% ±4.2 pts | 21.9% |
| 65 years and over | 16.6% ±3.3 pts | 13.3% |
| Hispanic or Latino (any race) | 7.4% ±5.3 pts | 5.8% |
| White alone, not Hispanic | 80.4% ±7.9 pts | 64.5% |
| Black or African American alone, not Hispanic | 7.0% ±5.6 pts | 19.7% |
| Asian alone, not Hispanic | 1.9% ±1.6 pts | 4.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.4% ±0.5 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.4 pts | 0.1% |
| Two or more races, not Hispanic | 2.8% ±2.5 pts | 5.5% |
| Some other race alone, not Hispanic | 0.0% ±0.4 pts | 0.0% |
| Born outside the United States | 3.6% ±2.6 pts | 13.5% |
| Speak a language other than English at home (age 5+) | 13.7% ±7.8 pts | 20.2% |
| Civilian veterans (age 18+) | 5.8% ±2.4 pts | 5.8% |
| With a disability | 14.8% ±3.0 pts | 13.8% |
| No health insurance coverage | 5.2% ±2.8 pts | 6.2% |
| High school graduate or higher (age 25+) | 94.9% ±3.5 pts | 91.2% |
| Bachelor's degree or higher (age 25+) | 37.4% ±5.7 pts | 30.4% |
| Graduate or professional degree (age 25+) | 10.7% ±4.8 pts | 10.1% |
| Lived in the same house a year earlier | 80.1% ±7.0 pts | 77.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 10.02 earn?
Half of the 2,487 households in Census Tract 10.02 earn less than $75,516 a year (±$15,814), against $77,066 across Stearns County: 19th highest of the county's 37 tracts with a reliable estimate. 9.0% of residents live below the poverty line.
| Measure | Tract 10.02 | St. Cloud |
|---|---|---|
| Median household income | $75,516 ±$15,814 | $61,374 |
| Mean household income | $90,061 ±$10,829 | $79,097 |
| Per capita income | $40,648 ±$4,744 | $32,108 |
| People below the poverty line | 9.0% ±5.5 pts | 20.2% |
| Children under 18 below the poverty line | 12.3% ±11.8 pts | 20.6% |
| Households receiving SNAP | 16.3% ±7.4 pts | 16.7% |
| Households with a computer | 96.5% ±3.5 pts | 95.5% |
| Households with a broadband subscription | 91.0% ±5.6 pts | 91.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 10.02?
Owners occupy 61.9% of Census Tract 10.02's occupied homes and renters 38.1%. The median owner-occupied home is valued at $265,600 by its owner (±$26,001). The median renter pays $1,192 a month including utilities, and 31.2% of renters pay 35% or more of their income on rent.
| Measure | Tract 10.02 | St. Cloud |
|---|---|---|
| Median home value (owner-occupied) | $265,600 ±$26,001 | $225,000 |
| Median gross rent | $1,192 ±$219 | $1,003 |
| Renters paying 35% or more of income on rent | 31.2% ±13.2 pts | 41.0% |
| Median monthly owner costs, with a mortgage | $1,578 ±$146 | $1,530 |
| Owner-occupied homes | 61.9% ±8.9 pts | 48.6% |
| Renter-occupied homes | 38.1% ±8.9 pts | 51.4% |
| Housing units | 2,566 ±254 | 29,762 |
| Single-family detached homes | 57.2% ±8.4 pts | 50.2% |
| Mobile homes | 3.1% ±3.1 pts | 0.9% |
| Built 2020 or later | 3.1% ±3.0 pts | 2.1% |
| Built 2010 to 2019 | 20.7% ±7.4 pts | 8.3% |
| Built 1939 or earlier | 0.0% ±0.9 pts | 11.6% |
| Households with no vehicle | 5.0% ±3.8 pts | 9.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 10.02 get to work?
72.0% of Census Tract 10.02's workers drive alone and 10.8% work from home. The average trip to work takes 17.7 minutes.
| Measure | Tract 10.02 | St. Cloud |
|---|---|---|
| In the labor force (age 16+) | 74.7% ±5.6 pts | 68.2% |
| Unemployment rate | 0.4% ±0.6 pts | 6.0% |
| Drove alone to work | 72.0% ±10.1 pts | 71.9% |
| Carpooled | 14.7% ±10.1 pts | 10.5% |
| Public transportation | 0.9% ±0.9 pts | 2.0% |
| Walked | 0.1% ±0.4 pts | 5.4% |
| Worked from home | 10.8% ±6.8 pts | 8.5% |
| Mean travel time to work | 17.7 min ±3.6 | 19.8 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 10.02 compare with the other tracts in Stearns County?
Among Stearns County's tracts with a reliable estimate, Census Tract 10.02 ranks as shown below (1 = highest).
| Measure | In Stearns County | In St. Cloud |
|---|---|---|
| Population | 11th of 37 | 6th of 17 |
| Residents per square mile | 11th of 37 | 10th of 17 |
| Median household income | 19th of 37 | 5th of 17 |
| Per capita income | 13th of 37 | 4th of 17 |
| Median home value | 19th of 35 | 7th of 15 |
| Median gross rent | 11th of 36 | 7th of 17 |
| Poverty rate | 18th of 34 | 13th of 17 |
| Bachelor's degree or higher | 7th of 37 | 4th of 17 |
| Median age | 27th of 37 | 9th of 17 |
| Owner-occupied share | 27th of 37 | 9th of 17 |
The tracts next to it on Stearns County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 110 | 16th | $81,250±$8,670 · within the margin of this tract |
| Tract 10.03 | 17th | $80,964±$7,300 · within the margin of this tract |
| Tract 113.08 | 18th | $78,878±$9,914 · within the margin of this tract |
| Tract 10.02 | 19th | $75,516±$15,814 |
| Tract 4.01 | 20th | $74,917±$20,127 · within the margin of this tract |
| Tract 106 | 21st | $73,006±$13,590 · within the margin of this tract |
| Tract 101.03 | 22nd | $71,628±$14,014 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 10.02?
3 of the 18 figures for Census Tract 10.02 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections