CallataGuidesGet a local business phone number in St. Joseph, MN
St. Joseph's area code, prefixes and carriers from NANPA records, and how to put a St. Joseph number in front of your customers.
- Area code
- 320
- Exchanges
- 4NANPA-assigned
- Carriers
- 4
- Population
- 6,992Census 2024 est.
Area codes in St. Joseph
With 6,992 residents in the Census 2024 estimate, St. Joseph sits in Stearns County, Minnesota. All 4 exchanges NANPA lists for its rate center are in area code 320. St. Joseph 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 | 4 | 100% | 1996 | none | Central |
Source: NANPA utilized central office code file and NPA report, dated 10/01/2026.
Phone carriers in St. Joseph
4 carriers hold the 4 exchanges assigned to St. Joseph's rate center. Electric Lightwave LLC d/b/a Allstream has the most, with 1. 4 of them are pooled codes, which the holder shares with other carriers in blocks of 1,000 numbers. The table counts codes by the operating company NANPA assigned them to, not by who serves each number today.
| Carrier (NANPA operating company) | Exchanges | Share |
|---|---|---|
| Electric Lightwave LLC d/b/a Allstream | 1 | 25% |
| Qwest Corporation | 1 | 25% |
| Level 3 Communications, LLC - MN | 1 | 25% |
| Charter Ip Enabled Services, LLC | 1 | 25% |
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.
Exchanges (NPA-NXX) assigned in St. Joseph
These are the central office codes NANPA records for St. Joseph. A caller seeing one of them recognizes a local number. The earliest assignment date recorded in the file for these codes is 2004. None were assigned in 2020 or later.
| Area code | Prefixes (NXX) |
|---|---|
| 320 | 271, 363, 433, 557 |
Source: NANPA utilized central office code file.
Rate centers and local calling in St. Joseph
Phone numbers are tied to a rate center, the local calling area used to decide whether a call is local or toll. St. Joseph's numbers are rated to the ST JOSEPH rate center in NANPA's records. A business number from one of the prefixes above shows up on customers' phones as a St. Joseph number.
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. Joseph
St. Joseph 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.
Setting up a St. Joseph business line
Callata is a business phone system priced at $99 a month with 5 users included, then $20 per additional user. Callata Office includes up to 3 local business numbers, unlimited inbound calling, 1,500 pooled outbound US and Canada minutes per user each month, a browser softphone that can also ring your cell, voicemail with transcription, call recording with AI summaries, business-hours routing and E911 on every number.
If you already have a number in St. Joseph, 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. Joseph, MN?
320. All exchanges NANPA lists for St. Joseph are in 320.
How many phone companies have exchanges in St. Joseph?
4, holding 4 exchanges between them, according to NANPA's 10/01/2026 file.
Can I keep my existing St. Joseph 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. Joseph?
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).