COUNTY REPORT MN

Stearns County, Minnesota

34 ZIP codes · Avg score 64/100 · Grade C

ZipCheckup grade for Stearns County: C.

A mixed picture - some signals here are worth your attention.

Because the C for Stearns County comes from averaging ZIP-level Home Safety Scores, its 34 ZIP reports are where the underlying data can be seen.

How Stearns County Compares

Stearns County64/100
Minnesota avg68/100
National avg73/100

How Stearns County Compares

C
County Grade
64/100
Avg Safety Score
34
ZIP Codes
14
Water Systems

Stearns County scores 4 points below the Minnesota state average (68/100) and 9 points below the national average (73/100).

Data: ZipCheckup Home Safety Score model 4.0.0; EPA SDWIS, UCMR 5, EPA radon zones, EPA AirData

C
County Grade
64
Avg Safety Score
34
ZIP Codes
Best ZIP: 56320 (67/100)
Lowest ZIP: 56387 (49/100)
$238K
Median Home Value
$520
Avg Remediation (0.22% of home value)

ZIP Code Risk Map

Water Quality Map: Stearns County, Minnesota

Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.

A B C D F

Key Risk Factors

Health risk index: 12.1 (asthma 10.3%, diabetes 10.1%)

Modeled additional annual cost estimate per homeowner: $646, largest modeled factor: Flood

45% of homes built before 1980 (lead paint was banned for residential use in 1978)

County Health Indicators vs National Average

Asthma 10.3% (national: 8.9%)
Diabetes 10.1% (national: 10.5%)
Obesity 36% (national: 32.4%)

Black markers indicate national averages. Source: CDC PLACES, Census ACS.

Infrastructure Overview

1975
Median Build Year
45%
Pre-1980 Housing
42/100
Infrastructure Stress Indicator
67%
ZIPs with High Infrastructure Stress
Low
Lead Pipe Risk

Modeled area-level indicator, not a failure probability. Sources: Census ACS housing age, EPA DWINSA infrastructure needs, EPA SDWIS violations, and EPA lead indicators.

Compound Risk Breakdown

Estimated additional annual cost per homeowner: $646

Flood $486/yr
Energy Code Gap $420/yr
Water / Lead $107/yr

Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).

Housing Age Distribution

66,588 housing units in Stearns County

Pre-1940 12%
1940–1959 10%
1960–1979 23%
1980–1999 29%
2000+ 25%

Source: U.S. Census Bureau ACS B25034 (Year Structure Built).

Water Safety Affordability

How much it costs to fix water issues relative to home values in Stearns County

$238K
Median Home Value
$520
Est. Remediation Cost
0.2%
of Home Value
Remediation as % of home value low burden

Modeled remediation costs in Stearns County can be compared with the median property value; actual costs vary by property.

Remediation includes water filtration, lead abatement, radon mitigation, and flood protection where applicable. Source: Census ACS, EPA SDWIS.

Health Outcomes vs National Average

CDC PLACES data for Stearns County residents

Asthma 10.3% (US avg: 8.9%)
Diabetes 10.1% (US avg: 11%)
Obesity 36% (US avg: 32.4%)

Black markers = national averages. Red = above national avg. Green = below. Source: CDC PLACES, Census ACS.

Water systems mapped to Stearns County ZIP codes

8 community water systems mapped to Stearns County ZIP codes; EPA may list more systems serving the county.

Show all 8 water systems
  • Melrose
    Serves ~3,886 people
    C
  • Albany
    Serves ~2,805 people 1 violation

14 water systems mapped to Stearns County ZIP codes in our data; EPA may list more systems serving the county.

Systems with the most violations in Stearns County

4 water systems with violations in EPA records.

All ZIP Codes in Stearns County

34 ZIP codes tracked in Stearns County.

# ZIP Code City Safety Score Grade Violations Home Value
1 56320 Cold Spring 67 C 0 $312K
2 56352 Melrose 67 C 0 $225K
3 56377 Sartell 67 C 0 $283K
4 56301 Saint Cloud 66 C 3 $263K
5 56374 Saint Joseph 66 C 2 $281K
6 56378 Sauk Centre 66 C 1 $239K
7 56387 Waite Park 49 D 2 $231K
8 55329 Eden Valley — — $215K
9 55382 South Haven — — 1 $347K
10 56302 Saint Cloud — — —
11 56303 Saint Cloud — — 0 $198K
12 56307 Albany — — 1 $269K
13 56310 Avon — — 1 $287K
14 56316 Brooten — — 1 $209K
15 56321 Collegeville — — —
16 56325 Elrosa — — $164K
17 56331 Freeport — — $270K
18 56335 Greenwald — — $138K
19 56340 Holdingford — — $287K
20 56356 New Munich — — $160K
21 56362 Paynesville — — 0 $243K
22 56368 Richmond — — 0 $310K
23 56369 Rockville — — $223K
24 56371 Roscoe — — $183K
25 56372 Saint Cloud — — —
26 56375 Saint Stephen — — $238K
27 56376 Saint Martin — — $213K
28 56388 Waite Park — — —
29 56393 Saint Cloud — — —
30 56395 Saint Cloud — — —
31 56396 Saint Cloud — — —
32 56397 Saint Cloud — — —
33 56398 Saint Cloud — — —
34 56399 Saint Cloud — — —

Recommended Buyer Guides for Stearns County

Up to five guides, picked by rule.

Overview

Stearns County in Minnesota covers 34 tracked ZIP records with an average Home Safety Score of C (64/100) across 7 scored records.

8 of 14 ZIP codes with a reported violation count in the available EPA record have recorded EPA violations. The available record reports no health-based violations for this measured scope.

← Back to Minnesota Home Safety Profile

Data Sources

Reporting periods vary by source. Missing data is shown as unavailable, not as zero.

Frequently Asked Questions

Is water safe in Stearns County?
Stearns County receives a grade of C. Some ZIP codes have recorded violations and residents in affected areas may want to test their water.
How many water systems serve Stearns County?
We map 14 public water systems to 34 ZIP codes in our data for Stearns County. EPA may list more systems serving the county, so this is not a full count.
What is the biggest environmental risk in Stearns County?
In ZipCheckup's cost model, the factor with the largest estimated average annual cost in Stearns County is flood. Across all modeled risk factors, the estimated average additional annual cost is $646 per homeowner; actual costs vary by home.
How old are homes in Stearns County?
The median home build year in Stearns County is 1975. 45% of homes were built before 1980; homes built before 1978 may contain lead-based paint, and older homes may have older plumbing materials.
How does Stearns County compare to Minnesota?
Stearns County has an average Home Safety Score of 64/100 under model 4.0.0, which is below the Minnesota state average of 68/100.

How to cite this page

APA ZipCheckup. (2026). Stearns County, MN: HSS 64/100; 5 Violations. https://zipcheckup.com/county/minnesota/stearns/
BibTeX
@misc{zipcheckup-county-minnesota-stearns,
  author = {{ZipCheckup}},
  title  = {{Stearns County, MN: HSS 64/100; 5 Violations}},
  year   = {2026},
  url    = {https://zipcheckup.com/county/minnesota/stearns/}
}

Page version: October 2026.

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