CallataGuidesGet a local business phone number in St. Cloud, MN
St. Cloud's area code, prefixes and carriers from NANPA records, and how to put a St. Cloud number in front of your customers.
- Area code
- 320
- Exchanges
- 86NANPA-assigned
- Carriers
- 36
- Population
- 72,145Census 2024 est.
What area code is St. Cloud, MN?
St. Cloud city is a Census place in Stearns County, Minnesota, with an estimated 72,145 residents in 2024. All 86 exchanges NANPA lists for its rate center are in area code 320. St. Cloud is in the Central time zone.
According to NANPA's dialing-plan data, local calls within 320 are dialed as seven digits and toll calls as 1 plus ten digits.
| Area code | Exchanges here | Share | In service since | Overlay with | Time zone |
|---|---|---|---|---|---|
| 320 | 86 | 100% | 1996 | none | Central |
Source: NANPA utilized central office code file and NPA report, dated 10/01/2026.
St. Cloud exchanges by carrier
36 carriers hold the 86 exchanges assigned to St. Cloud's rate center. Qwest Corporation has the most, with 13. 56 of them are pooled codes, which the holder shares with other carriers in blocks of 1,000 numbers. Holding a code means NANPA assigned that block of numbers to the carrier for this rate center; individual numbers may since have been ported elsewhere.
| Carrier (NANPA operating company) | Exchanges | Share |
|---|---|---|
| Qwest Corporation | 13 | 15% |
| Cellco Partnership d/b/a Verizon Wireless - MN | 11 | 13% |
| Aerial Communications, INC. | 9 | 10% |
| Onvoy, LLC - MN | 8 | 9.3% |
| New Cingular Wireless PCS, LLC - Il | 6 | 7.0% |
| Electric Lightwave LLC d/b/a Allstream | 3 | 3.5% |
| Level 3 Communications, LLC - MN | 3 | 3.5% |
| Nuso, LLC | 3 | 3.5% |
| AT&T - Local | 2 | 2.3% |
| Bandwidth.com CLEC, LLC - MN | 2 | 2.3% |
| Tekstar Communications, INC. | 1 | 1.2% |
| Terra Nova Telecom INC. | 1 | 1.2% |
Carrier names are the operating company (OCN) names on NANPA's utilized central office code file dated 10/01/2026. A carrier holding a code may port numbers to other carriers.
St. Cloud phone prefixes
A prefix (NXX) is the three digits after the area code. Numbers starting with these prefixes are rated as local to St. Cloud. The earliest assignment date recorded in the file for these codes is 2001. 17 of the 86 were assigned in 2020 or later.
| Area code | Prefixes (NXX) |
|---|---|
| 320 | 200, 202, 203, 204, 217, 223, 224, 227, 229, 230, 237, 240, 241, 247, 248, 249, 250, 251, 252, 253, 255, 257, 258, 259, 260, 266, 267, 281, 282, 290, 291, 292, 293, 308, 309, 310, 316, 330, 333, 339, 342, 345, 370, 371, 380, 402, 406, 407, 420, 423, 426, 428, 437, 443, 448, 452, 469, 470, 471, 472, 473, 476, 478, 482, 486, 492, 493, 497, 520, 521, 529, 534, 640, 650, 654, 656, 761, 774, 800, 828, 867, 869, 880, 895, 910, 980 |
Source: NANPA utilized central office code file.
When St. Cloud's exchanges were assigned
Assignment dates show when each block of St. Cloud numbers was added to the local supply.
| Decade assigned | Exchanges | Share |
|---|---|---|
| 2000s | 16 | 34% |
| 2010s | 14 | 30% |
| 2020s | 17 | 36% |
Assignment dates as recorded in NANPA's utilized code file; codes without a recorded date are excluded.
Rate centers and local calling in St. Cloud
What a caller sees as "local" is the area code plus prefix. In St. Cloud, those come from the ST CLOUD rate center, as recorded by NANPA.
New local numbers are drawn from carrier inventory, so the exact 320 numbers available change over time; porting an existing number is free.
Who does business near St. Cloud
St. Cloud is part of the St. Cloud, MN metro area, home to 206,000 people in 2024. County Business Patterns counted 5,449 business establishments in the St. Cloud, MN metro area in 2023, employing 101,067 people. The largest sectors by establishment count are retail trade (749), construction (724), and health care and social assistance (669).
| Industry | Establishments | Employees | Employees per establishment |
|---|---|---|---|
| Limited-service restaurants | 149 | 3,103 | 20.8 |
| Full-service restaurants | 127 | 2,746 | 21.6 |
| Insurance agencies and brokerages | 126 | 571 | 4.5 |
| Plumbing, heating and air-conditioning contractors | 85 | 1,780 | 20.9 |
| Landscaping services | 85 | 267 | 3.1 |
| Residential remodelers | 84 | 307 | 3.7 |
| Offices of real estate agents and brokers | 80 | 107 | 1.3 |
| General automotive repair shops | 79 | 387 | 4.9 |
Selected small-business industries (six-digit NAICS) covered by these guides. Source: Census County Business Patterns 2023.
A St. Cloud number on Callata
For $99 a month, Callata puts a team of up to 5 on one plan ($20 for each person after that): up to 3 local numbers, unlimited inbound calls, a pooled allowance of 1,500 outbound US and Canada minutes per user, browser and cell calling, voicemail transcription with urgency triage, recorded calls with AI summaries and business-hours routing, with E911 on every number.
If you already have a number in St. Cloud, porting it to Callata is free. Texting from a local number requires a one-time carrier registration (10DLC, $49), and the numbers available in any area code depend on carrier inventory when you choose them.
Optional AI agents (receptionist, sales, support or scheduler) can answer calls after hours or when nobody picks up, take messages, text, email and transfer to your team. They are billed from prepaid AI minutes at $0.25 per minute, identify themselves as AI, and may only place outbound calls to people who consented, between 8am and 9pm.
A 19-person team is the benchmark here, the rounded average establishment size in the St. Cloud, MN metro area. Billed per seat at month-to-month list prices (checked September 28, 2026), RingCentral RingEX Core costs $570.00 a month and Ooma Office Pro $474.05. On Callata the same 19 people cost $379.00 a month, less than either per-seat plan.
| Provider (plan) | Pricing basis | Per month | Per year |
|---|---|---|---|
| Callata (Callata Office) | $99 incl. 5 users, $20 per extra user | $379.00 | $4,548.00 |
| Quo (Starter) | $19.00 per user | $361.00 | $4,332.00 |
| Nextiva (Core) | $23.00 per user | $437.00 | $5,244.00 |
| Ooma (Office Pro) | $24.95 per user | $474.05 | $5,688.60 |
| Dialpad (Standard) | $27.00 per user | $513.00 | $6,156.00 |
| RingCentral (RingEX Core) | $30.00 per user | $570.00 | $6,840.00 |
Competitor prices are each vendor's published month-to-month list price per user for its lowest plan that includes business calling and texting, checked September 28, 2026: Quo Starter $19, Nextiva Core $23, Ooma Office Pro $24.95 (Essentials excludes texting; one-time $29.95 activation not included), Dialpad Standard $27, RingCentral RingEX Core $30 ($20 billed annually). Prices exclude taxes and fees and may change; annual contracts lower some competitors' prices.
Frequently asked questions
What area code is St. Cloud, MN?
320. All exchanges NANPA lists for St. Cloud are in 320.
How many phone companies have exchanges in St. Cloud?
36, holding 86 exchanges between them, according to NANPA's 10/01/2026 file.
Can I keep my existing St. Cloud business number?
Yes. Porting an existing number to Callata is free. Texting from it starts after carrier registration (10DLC), a one-time $49 fee.
How much is a business phone line in St. Cloud?
Callata is $99 a month with 5 users included, then $20 per additional user, with up to 3 local numbers; 19 users come to $379.00 a month. For comparison, 19 users on RingCentral RingEX Core list at $570.00 a month (checked September 28, 2026).