St. Stephen: Economy & Jobs
Median household income in St. Stephen is $105,313 (1.4× higher than Stearns County median $77,066; 1.2× higher than Minnesota median $90,958), with homes at a median value of $262,100. The surrounding county supports 87,252 jobs (avg $62,313).
- $79,564 avg taxable income per return — lower than the median household income.
Income & Affordability
Median household income $105,313 — above the Minnesota median ($90,957). Poverty rate 2.0% (U.S. average ~12.5%). 22% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 2.5× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 11.7% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 22.2% |
| Affordability · Poverty Rate | 2.0% |
| Affordability · Property Tax Pct Income | 2.5% |
| Irs Income · IRS tax returns filed | $78,010 |
| Irs Income · Total Adjusted Gross Income (thousands) | $6,206,777 |
| Irs Income · Average AGI per return | $79,564 |
| Irs Income · Year | 2022 |
| Income Estimate | $108,111 |
| Median Household Income | $105,313 (vs Minnesota $90,958) |
| Poverty Rate | 2.0% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | affluent |
| Economic Character · Median Income | $105,313 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 3.3% — below the U.S. average of ~4%. 9% work from home (U.S. average ~15%).
| Commuter Profile · Work From Home Pct | 9.1% |
|---|---|
| Commuter Profile · Primary Mode | drove alone |
| Employment · Avg annual employment (county) | 87,252 |
| Employment · Total annual wages (county) | $5,436,955,978 |
| Employment · Average annual pay | $62,313 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 2,881,100 |
| Unemployment Rate | 3.3% (vs Minnesota 4.0%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 2,327 |
|---|---|
| Agriculture · Land In Farms Acres | 8,235 |
| Agriculture · Avg Farm Size Acres | 3.50 |
| Agriculture · Top Commodities | Animal Totals, Crop Totals, Milk, Grain, Poultry Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 4,474 |
| Business Patterns · Total Employees | 82,677 |
| Business Patterns · Annual Payroll Thousands | 4,760,766 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 35 |
|---|---|
| Local Businesses · Convenience Stores | 8 |
| Local Businesses · Liquor Stores | 27 |
| Local Businesses · Gas Stations | 72 |
| Local Businesses · Department Stores | 3 |
| Local Businesses · General Merchandise | 22 |
| Local Businesses · Clothing Stores | 14 |
| Local Businesses · Bookstores | 3 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 114 |
|---|---|
| Dining Scene · Fast Food | 128 |
| Dining Scene · Bars | 45 |
| Dining Scene · Coffee Snacks | 27 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (10)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (3)
| Nearest Snap · Name | Richmond Food Pride |
|---|---|
| Nearest Snap · Distance | 5.2 mi |
Sources: USDA SNAP — nearest by coordinates
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | LONSDALE AREA CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $1,043,986,297 |
|---|---|
| Federal Spending · Per Capita | 6,595.32 |
| Federal Spending · Population | 158,292 people |
Sources: USAspending API
Other
| Pct Drove Alone | 84.9% |
|---|---|
| Pct Public Transit | 1.0% |
| Pct Walked | 9.1% |
| Retirement Score · Median age | 40.0 years (vs Minnesota 39.0y) |
| Retirement Score · Ss Household Pct | 32.7% |
| Retirement Score · Hospitals Nearby | 5 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | strong SS base, hospital access, VA nearby |
| Retirement Score · Rating | good |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12