CallataGuidesSt. Cloud, MN business phone guide
Population, businesses by sector and industry, area codes and local numbers for the St. Cloud, MN metro area.
- Population
- 206,0002024 est.
- Establishments
- 5,449CBP 2023
- Counties
- 2
- Area codes
- 2
About the St. Cloud, MN metro area
The St. Cloud, MN metro area covers 2 counties in Minnesota and had 206,000 residents in July 2024, up 3.1% since April 2020. The U.S. population grew 2.6% over the same period. Stearns County, MN is the most populous, with 164,000 people. By population it ranks 233rd of the 925 metro and micropolitan areas and 209th by business establishments.
| County | Population (2024) |
|---|---|
| Stearns County, MN | 163,997 |
| Benton County, MN | 41,881 |
Source: Census Vintage 2024 metropolitan and micropolitan area estimates.
St. Cloud, MN's business base
County Business Patterns counted 5,449 establishments in the area in 2023, employing 101,067 people in mid-March with $5.8 billion in annual payroll. That is an average of 18.5 employees per establishment. 49.9% of establishments with employees had fewer than five people. By establishment count, the largest sectors are retail trade (749), construction (724), and health care and social assistance (669).
| Sector (NAICS) | Establishments | Employees | Annual payroll |
|---|---|---|---|
| Retail Trade (44) | 749 | 12,805 | $465,053,000 |
| Construction (23) | 724 | 9,761 | $889,823,000 |
| Health Care and Social Assistance (62) | 669 | 19,316 | $1,292,190,000 |
| Other Services (except Public Administration) (81) | 596 | 3,830 | $139,340,000 |
| Accommodation and Food Services (72) | 450 | 7,858 | $152,374,000 |
| Professional, Scientific, and Technical Services (54) | 361 | 2,953 | $214,785,000 |
| Finance and Insurance (52) | 342 | 4,135 | $382,394,000 |
| Manufacturing (31) | 302 | 16,749 | $1,023,897,000 |
| Transportation and Warehousing (48) | 244 | 4,877 | $245,935,000 |
| Administrative and Support and Waste Management and Remediation Services (56) | 241 | 2,706 | $117,586,000 |
| Wholesale Trade (42) | 240 | 5,466 | $360,940,000 |
| Real Estate and Rental and Leasing (53) | 233 | 967 | $43,961,000 |
| Arts, Entertainment, and Recreation (71) | 101 | 1,098 | $23,522,000 |
| Information (51) | 71 | 1,274 | $94,417,000 |
| Educational Services (61) | 62 | 2,450 | $89,598,000 |
| Management of Companies and Enterprises (55) | 23 | 4,437 | $230,695,000 |
| Agriculture, Forestry, Fishing and Hunting (11) | 19 | 54 | $2,842,000 |
| Utilities (22) | 9 | 183 (high noise) | $18,219,000 |
| Mining, Quarrying, and Oil and Gas Extraction (21) | 7 | 145 (high noise) | $14,965,000 |
Source: Census County Business Patterns 2023, two-digit NAICS sectors. Manufacturing, retail and transportation span several two-digit codes; CBP reports them under 31, 44 and 48.
How St. Cloud, MN's businesses compare
St. Cloud, MN has 26.5 business establishments per 1,000 residents, 7.7% above the U.S. figure of 24.6. Establishments average 18.5 employees against 16.7 nationally, and payroll per employee is $57,417 (16.0% below the U.S. $68,342). 49.9% of establishments with employees have fewer than five people (U.S.: 55.5%), while 6.1% have 50 or more. Averages are pulled up by large employers; the size table is the better guide to what a typical business here looks like.
| Employment size | Establishments | Share | U.S. share |
|---|---|---|---|
| 1–4 employees | 2,719 | 49.9% | 55.5% |
| 5–9 employees | 1,007 | 18.5% | 17.5% |
| 10–19 employees | 785 | 14.4% | 12.5% |
| 20–49 employees | 607 | 11.1% | 9.1% |
| 50 or more employees | 331 | 6.1% | 5.4% |
Employment-size classes count establishments by mid-March 2023 employment. Establishments with no March employees are excluded from the size classes, so shares are of establishments with employees. Source: Census County Business Patterns 2023.
Small-business industries in St. Cloud, MN
Of the 141 industries these guides cover, 120 have a published Census count in St. Cloud, MN. The largest are limited-service restaurants (149), full-service restaurants (127), and insurance agencies and brokerages (126). Relative to population, civic and social organizations are the most over-represented: 24.3 per 100,000 residents against 7.3 nationally.
Selected small-business industries (six-digit NAICS) covered by these guides. Source: Census County Business Patterns 2023.
Area codes in St. Cloud, MN
The area's named cities and towns have 135 NANPA-assigned exchanges across 2 area codes; 320 has the most (99%). Callata includes up to 3 local numbers, so a business serving several parts of the area can hold a number in each.
Local numbers by city
Pages for 10 cities and towns in the area list their area codes, prefixes and carriers.
| Place | Population (2024) | Area codes | Exchanges |
|---|---|---|---|
| St. Cloud, MN | 72,145 | 320 | 86 |
| St. Joseph, MN | 6,992 | 320 | 4 |
| Sauk Centre, MN | 4,682 | 320 | 6 |
| Cold Spring, MN | 4,326 | 320 | 4 |
| Melrose, MN | 3,911 | 320 | 2 |
| Albany, MN | 2,874 | 320 | 2 |
| Foley, MN | 2,666 | 320 | 4 |
| Paynesville, MN | 2,586 | 320 | 2 |
| Avon, MN | 2,156 | 320 | 4 |
| Richmond, MN | 1,521 | 320 | 3 |
Phone costs for a typical St. Cloud, MN business
Per-seat phone plans multiply by headcount. For the rounded average establishment size in St. Cloud, MN, 19 users on RingCentral RingEX Core come to $570.00 a month and on Ooma Office Pro $474.05, at month-to-month list prices checked September 28, 2026. Callata comes to $379.00 a month for 19 users ($99 a month with 5 users included, then $20 per additional user), below both.
| 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.
Callata in St. Cloud, MN
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.
Porting a number you already use in St. Cloud, MN is free, and business texting is available once the carrier registration (10DLC) is approved; the registration carries a one-time $49 fee. Which specific numbers are open in a given area code depends on carrier inventory at the time you sign up.
AI agents are optional: an AI receptionist or scheduler can pick up when the team is busy or closed, take a message, send a text or email, or transfer the call. They draw on prepaid AI minutes ($0.25/minute), disclose that they are AI, and outbound AI calls require prior consent and are limited to 8am–9pm.
Frequently asked questions
What area codes serve St. Cloud, MN?
320 and 763, by NANPA-assigned exchanges in the area's named places.
How many businesses are in the St. Cloud, MN area?
5,449 establishments in 2023, according to Census County Business Patterns.
How much does a business phone system cost in St. Cloud, MN?
Callata is $99 a month with 5 users included, then $20 per additional user; for a 19-person team that is $379.00 a month. The same team on Ooma Office Pro lists at $474.05 a month (checked September 28, 2026).