St. Cloud: Economy & Jobs
Earnings in St. Cloud center on a median $38,750 (1.5× below Crawford County median $57,629; 1.9× below Missouri median $72,119), with homes at a median value of $190,600. The surrounding county supports 6,634 jobs (avg $48,075).
- $55,334 avg taxable income per return — higher than the median household income.
Income & Affordability
Median household income $38,750 — below the Missouri median ($72,118). 40% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 4.9× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 29.8% |
| Affordability · Rent Affordability | moderate |
| Affordability · Pct Severely Rent Burdened | 40.0% |
| Affordability · Poverty Rate | 14.7% |
| Irs Income · IRS tax returns filed | $10,510 |
| Irs Income · Total Adjusted Gross Income (thousands) | $581,562 |
| Irs Income · Average AGI per return | $55,334 |
| Irs Income · Year | 2022 |
| Income Estimate | $39,646 |
| Median Household Income | $38,750 (vs Missouri $72,119) |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Retail |
| Economic Character · Income Level | working-class |
| Economic Character · Median Income | $38,750 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents.
| Commuter Profile · Primary Mode | drove alone |
|---|---|
| Commuter Profile · Mean Commute Min | 43.20 |
| Commuter Profile · Profile | long commute / bedroom community |
| Employment · Avg annual employment (county) | 6,634 |
| Employment · Total annual wages (county) | $318,905,983 |
| Employment · Average annual pay | $48,075 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 2,876,400 |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 12 |
|---|---|
| Agriculture · Land In Farms Acres | 6,697 |
| Agriculture · Avg Farm Size Acres | 558.10 |
| Agriculture · Top Commodities | Animal Totals, Cattle, Crop Totals, Field Crops, Other, Grain |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 504 |
| Business Patterns · Total Employees | 5,596 |
| Business Patterns · Annual Payroll Thousands | 256,392 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 4 |
|---|---|
| Local Businesses · Liquor Stores | 5 |
| Local Businesses · Gas Stations | 11 |
| Local Businesses · General Merchandise | 6 |
| Local Businesses · Used Car Dealers | 3 |
| Local Businesses · Auto Repair | 6 |
| Local Businesses · Funeral Homes | 3 |
| Local Businesses · Real Estate Offices | 3 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 15 |
|---|---|
| Dining Scene · Fast Food | 15 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (5)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (3)
| Nearest Snap · Name | Leasburg Mobil 1 |
|---|---|
| Nearest Snap · Distance | 1.6 mi |
Sources: USDA SNAP — nearest by coordinates
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | GALENA AREA CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $178,525,224 |
|---|---|
| Federal Spending · Per Capita | 7,743.11 |
| Federal Spending · Population | 23,056 people |
Sources: USAspending API
Other
| Pct Drove Alone | 72.7% |
|---|---|
| Retirement Score · Median age | 69.5 years (vs Missouri 39.2y) |
| Retirement Score · Ss Household Pct | 57.1% |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | older population, strong SS base, VA nearby |
| Retirement Score · Rating | good |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12