Maihueniopsis species, such as M. darwinii, are cold-hardy cacti that can be grown outside in Zone 5. These cacti have round stems that grow close together on the ground to form a cushion-shaped cactus. They tolerate the freezing temperatures that characterize Zone 5. These cacti aren't the most beautiful but do form interesting mounds.
Echinocactus species are known as barrel cactus. Typically, this group prefers hot and dry weather. However, E. texensis can handle a covering of snow or even some frost. During long winter freezes, it is best to place a layer of mulch over the cactus to protect it. This cactus has a low barrel shape with long spines that radiate outward. In the right conditions, it will produce a pink flower at the top.
For cacti that produce brilliant blooms, grow Echinocereus, also known as hedgehog cactus. Species such as E. triglochidiatus and E. engelmannii can grow outdoors in Zone 5. These cacti have low-growing, cylindrical bodies that grow in clumps. Flowers range from white to red to yellow. This group tolerates freezing temperatures, but you should mulch them during lengthy freezes.
Cactus seeds take a long time to germinate so don't despair if they don't sprout as quickly as other seeds. Plant the seeds in a sandy soil mix or in a mix specifically designed for cacti. Keep the seeds moist but not wet and place them in a warm spot or on a heat mat. For the best chance of success, start your cactus seeds indoors. When shopping for cactus seeds for Zone 5, look for species that grow low to the ground, rather than in tall columns.