Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$310,763+2.4% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 26% have cut their price
Income needed to buy, per year$67,367About 0.9× the local median income ($76,950): affordable for a typical household
Days on market52 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.7%Zillow expects prices to rise slightly
The typical home in St. Cloud, MN is worth $310,763, up 2.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $269,354, so the area is 15.4% overvalued. It is a buyer's market: homes take about 52 days to sell, listings are up 39% from a year ago, 26% of listings have had a price cut. Zillow expects prices to rise about 3.7% over the next year. A household needs about $67,367 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $76,950. Typical rent is $1,224 a month, or $1,706 for a house. In the latest IRS figures, 671 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$310,763
Change in 1 year
+2.4%
Overvalued %
+15.4%
Show 7 more
Fair home value
$269,354
Change in 5 years
+24.1%
Zillow forecast, next 12 months
+3.7%
Home value to income
4.0×
Monthly mortgage payment (20% down)
$1,684
Income needed to afford it
$67,367
Property tax rate
1.00%
Rent and investing
Typical rent
$1,224
Typical rent for houses
$1,706
Price-to-rent ratio
21.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,233
Gross rental yield
4.73%
Cap rate (estimate)
3.07%
Market activity
Listings vs a year ago
+39.3%
Days on market
52
Listings with a price cut
25.5%
Show 3 more
Homes for sale
645
Pending sales per 100 listings
24
Asking price per sq ft
$166
People and jobs
Median household income
$76,950
Population change (1 year)
+0.5%
Unemployment rate
4.1%
Show 4 more
Population
205,854
Income adjusted for cost of living
$87,842
Net moves in (IRS)
−671
Cost of living (US = 100)
87.6
Schools, risk and environment
School rating (1 to 10)
5.9
FEMA hazard risk score (0 to 100)
80.2
Unhealthy air days a year
11
Show 4 more
Flood risk score
85.0
Wildfire risk score
74.5
Walkability (1 to 20)
7.2
Road, rail and air noise
52 dB
Questions people ask
Is St. Cloud, MN overvalued?
Home prices in St. Cloud, MN are well above what local incomes have historically supported: fair value is about $269,354, so the area is 15.4% overvalued.
Is St. Cloud, MN a buyer's or seller's market?
St. Cloud, MN is a buyer's market: homes take about 52 days to sell, listings are up 39% from a year ago, 26% of listings have had a price cut.
Are home prices going down in St. Cloud, MN?
Home values in St. Cloud, MN are up 2.4% over the last year. Zillow's forecast for the next 12 months is +3.7%.
How much do you need to earn to buy a home in St. Cloud, MN?
A household needs about $67,367 a year to afford the typical home in St. Cloud, MN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $76,950.