Taxes in St. Cloud
St. Cloud's tax picture combines Stearns County's real, somewhat elevated property-tax bill with Minnesota's real, genuine 4-bracket state income tax and its genuine Social Security taxation outlier.
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Learn moreStearns County's somewhat elevated property tax
Stearns County's median property tax bill ran approximately $3,022 -- about $622 above Minnesota's statewide median of approximately $2,400, per Ownwell.
Minnesota's real 4-bracket income tax
Minnesota's real, genuine 4-bracket state income tax runs 5.35% to 9.85% (on income over approximately $193,240 for single filers, 2026), applying statewide including in St. Cloud, with NO local or county piggyback income tax layer.
A genuine Social Security taxation outlier
Minnesota still taxes Social Security retirement income above an income-based exemption threshold ($86,410 single/HOH, $110,780 joint, 2026) -- a real, honestly-disclosed outlier among relocation-relevant states.
Key takeaways
- Stearns County's median property tax bill (~$3,022) runs above Minnesota's statewide median (~$2,400).
- Minnesota's flat-bracket 4-tier state income tax (5.35%-9.85%) applies statewide, including in St. Cloud.
- Minnesota is a real, genuine outlier still taxing Social Security above an income-based exemption threshold.
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