CitytisticsShortlist

Cost of living, pay and housing

45.73° N · 94.47° W · GEOID 2729582

Holdingford

Stearns County, Minnesota · part of the St. Cloud, MN metro

Limited data population under 5,000, core figures borrowed from county or metro: median_gross_rent

MinnesotaHoldingford, MNHoldingfordHoldingford

The short answer

Holdingford is home to 718 people. Median household income is $79,375 a year and median rent is $1,068 a month, 16.1% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $205,700, about 2.6x annual median household income.

Median gross rent
$1,068
22% below the median place
Median household income
$79,375
1% below the median place
Median home value
$205,700
36% below the median place
Unemployment
4.1%
16% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Holdingford

  • 0% of residents were born outside the US, fewer than in 99% of the 1,842 places under 10,000 people we track. It is the lowest of 132 Minnesota places.
  • The median resident is 27.9 years old, younger than in 97% of places its size. It is the 3rd-lowest of 151 Minnesota places.
  • Between the 2019 and 2024 surveys, household income rose 6.1% a year while rent rose -1.1%, so pay gained on rent more than in 94% of places its size.
  • Counting remote workers as zero, the average worker spends about 210 hours a year commuting, more than in 85% of places its size.
  • The median home is worth 2.6 years of the median household's income, fewer than in 81% of places its size.

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 88 out of 100. Budget for insurance before counting the savings.

01

Moving to Holdingford

Stearns County loses about 4.0 residents per 1,000 a year to moves between counties.

Moved in7,258
Moved out7,807
Net−549

Where people come from and where they go, top counties

Benton County, MN1,1741,314−140
Todd County, MN195

Within Minnesota, other states or abroad

Arrivals
Leavers
Within MinnesotaOther statesAbroad

Income per tax return

Arrivals$53K
Leavers$62K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Stearns County; flows under 20 returns are not published.

Who moves here
7.9% of residents arrived from another county in the past year, 0.0% from another state. County figure.
Who arrives and who leaves
Households moving into Stearns County report $53,200 a year in income on average; those leaving, $62,300, so leavers earn more than newcomers.
Income you would need
$42,700 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,068 a month; owners with a mortgage pay $1,558 a month including taxes and insurance, on a median home of $205,700.
Getting to work
29 minutes each way on average; 6.6% work from home; 1.4% take transit.
If it is close but not quite
St. Joseph, MN matches it on character. Compare the two
Moved from another state1
0.0%
below the median place (median 2.0%)
Income of households moving in8
$53,231
25% below the median place
Moved here in the past year1
7.9%
38% above the median place
All 5 moving measures
MeasureHoldingfordAmong 6,645 placesVs median
Moved here in the past year1County figure7.9%38% above
Moved from another state10.0%below (median 2.0%)
Net movers per 1,000 people8County figure-4.0below (median -0.6)
Income of households moving in8County figure$53,23125% below
Income of households moving out8County figure$62,29311% below
02

What it costs to live here

Home price to income is 2.6x, 32% below the median place.

Holdingford16.1%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$42,720
a year, at the 30% line
Rent to income
16.1%
21% below the median place
Home price to income
2.6x
32% below the median place

Could you afford it?

The median rent would take
16%
comfortably under the 30% line
Left after rent, in US prices
$71,700
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Holdingford, $1,068 a month, and local prices for everything else (92.3 against a US average of 100). It runs in your browser and stores nothing.

Moving from somewhere else? Work out the salary you would need in Holdingford.

Sponsored · exampleMoving to Holdingford? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Homeownership1
83.5%
26% above the median place
Median year built1
1966
1% below the median place
Median home value1
$205,700
36% below the median place
All 16 cost and housing measures
MeasureHoldingfordAmong 6,645 placesVs median
Median gross rent1County figure$1,06822% below
Rent to income116.1%21% below
Property tax rate10.9%3% above
Home price to income12.6x32% below
Prices vs US average2Metro figure87.613% below
Fair market rent, 2 bedrooms3County figure$1,23324% below
HUD area median income4County figure$107,1000% below
Property tax paid (median)1$1,93941% below
Median home value1$205,70036% below
Home prices, 1-year change5County figure2.2%31% below
Home prices, 5-year change5County figure43.3%16% below
Homeownership183.5%26% above
Renters paying 30%+1County figure49.9%1% below
Owner costs with a mortgage1$1,55817% below
Vacant homes1County figure7.8%11% above
Median year built119661% below
03

Work and pay

Works from home is 6.6%, 47% below the median place.

Works from home1
6.6%
47% below the median place
Income per person1
$31,916
20% below the median place
Mean commute1
29 min
17% above the median place
All 10 work and pay measures
MeasureHoldingfordAmong 6,645 placesVs median
Median household income1$79,3751% below
Income per person1$31,91620% below
Unemployment1County figure4.1%16% below
Average annual pay6County figure$65,3521% below
Pay growth, 1 year6County figure4.9%32% above
Jobs6County figure87,42042% below
Poverty rate1County figure12.9%20% above
Mean commute129 min17% above
Works from home16.6%47% below
Commutes by transit1County figure1.4%59% above
04

Who lives here

Born abroad is 0.0%, below the median place (median 8.8%).

Born abroad1
0.0%
below the median place (median 8.8%)
Median age1
27.9
28% below the median place
Homes with broadband1
83.9%
9% below the median place

More about who lives here, against the typical place

High school or higher95.9% +4%
Bachelor's or higher24.0% −25%
Household size2.6 +5%
All 9 people measures
MeasureHoldingfordAmong 6,645 placesVs median
Population17186646th largest
Population change since 202070.4%65% below
Median age127.928% below
Bachelor's or higher124.0%25% below
High school or higher195.9%4% above
Household size12.65% above
Born abroad10.0%below (median 8.8%)
No health insurance1County figure4.9%23% below
Homes with broadband183.9%9% below
05

Life in Holdingford

35 sites are on the National Register of Historic Places, one of them a National Historic Landmark.

Businesses per 10,000 residents (county figures)

Restaurants and bars22.1 +6%
Shops39.5 +30%
Arts, recreation and fitness5.0 +22%
Doctors' offices and clinics18.0 −11%
Child care centers3.0 +30%

Counts businesses with paid staff, so small owner-run shops are not included.

Public school students11
1,098
78% below the median place
Public schools11
3
67% below the median place
Students per teacher11
17.2
12% above the median place
All 9 schools and local life measures
MeasureHoldingfordAmong 6,645 placesVs median
Public schools11367% below
Public school students111,09878% below
Students per teacher1117.212% above
Restaurants and bars per 10k9County figure22.16% above
Shops per 10k9County figure39.530% above
Arts, recreation and fitness per 10k9County figure5.022% above
Doctors' offices and clinics per 10k9County figure18.011% below
Child care centers per 10k9County figure3.030% above
National Register listings10County figure35169% above
06

Safety, weather and risk

January average low is 3°F, 88% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Holdingford. Larger places are fetched first.

January average low12
3°F
88% below the median place
Average temperature12
43°F
22% below the median place
July average high12
81°F
7% below the median place
All 10 weather and risk measures
MeasureHoldingfordAmong 6,645 placesVs median
July average high12County figure81°F7% below
January average low12County figure3°F88% below
Average temperature12County figure43°F22% below
Annual precipitation12County figure29.3 in33% below
Natural hazard risk13County figure87.65% below
Tornado risk13County figure93.014% above
Wildfire risk13County figure76.325% above
Heat wave risk13County figure74.617% below
Median air quality index14County figure3714% below
Good air days14County figure75.6%10% above
08

Holdingford in 2030: where the trends point

If recent trends hold, the median rent will take about 9% of the median income in 2030, about the same as 9% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$582/mo (2024)$730/mo$600 to $900/mo+4.0%
Median household income$79,375 (2024)$101,000$85,500 to $119,500+4.1%
Median home value$205,700 (2024)$299,000$217,000 to $412,000+6.4%
Population745 (2025)750720 to 780+0.2%

The median home would be worth 3.0 years of the median income in 2030, against 2.6 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Holdingford

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
St. Joseph, MN$1,136$74,946Compare
Roosevelt, UT$977$76,456Compare
Half Moon, NC$1,210$68,946Compare
Alma, AR$1,012$68,562Compare
Alma, ARHalf Moon, NCRoosevelt, UTSt. Joseph, MNHoldingford, MNHoldingfordSt. JosephRooseveltHalf MoonAlmaHoldingfordSt. JosephRooseveltHalf MoonAlma

Common questions

Is Holdingford a good place to live?

It depends on what you need, so here is what the numbers say. 0% of residents were born outside the US, fewer than in 99% of the 1,842 places under 10,000 people we track. It is the lowest of 132 Minnesota places. The median resident is 27.9 years old, younger than in 97% of places its size. It is the 3rd-lowest of 151 Minnesota places. On cost, space and class size it scores 88 out of 100 for families. See how it ranks with your own weights.

Is Holdingford expensive to live in?

The median rent takes 16.1% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $205,700.

What salary do you need to live in Holdingford?

To rent the median home without spending more than 30% of income on rent, a household needs about $42,720 a year. Work it out from your current city.

What places are similar to Holdingford?

On income, rent, home value, education and age, the closest matches are St. Joseph, MN, Roosevelt, UT, Half Moon, NC and Alma, AR.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  11. Common Core of Data · National Center for Education Statistics · 2024 release
  12. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  13. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  14. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Holdingford with places of a similar size, using only figures measured for Holdingford itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/holdingford-minnesota

Citytistics. “Holdingford, Minnesota.” Data as of 2026-11-14. https://www.citytistics.com/city/holdingford-minnesota/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.