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Saint Cloud, MN—56301

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$304,000
4.2% YoY Growth
Household Income
$69,700
34.8% YoY Growth
Days on Market
62
4.0% Shorter YoY
Home Price Forecast
2.3%
Median Rent
$1,100
1.9% YoY Growth
1-Bed Rent
$695
16.0% YoY Growth
2-Bed Rent
$1,120
4.7% YoY Growth
3-Bed Rent
$1,350
28.6% YoY Growth

Other Zip Codes in Saint Cloud, MN

5630356304
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Saint Cloud, MN

As of Dec '25, the median home price in Saint Cloud, MN is $304,000, with a year-over-year change of 4.2%. This indicates that home prices in Saint Cloud, MN are increasing. According to Zillow, the 1-year price projection is 2.3%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$304,0004.2%
Single Family $307,0004.1%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$249,0004.6%
    3 Bed
    		$293,0004.3%
    4 Bed
    		$343,0003.6%
    5 Bed $379,9863.4%
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    % of Housing Stock

    Studio
    4.6%
    1 Bedroom
    9.1%
    2 Bedrooms
    24.7%
    3 Bedrooms
    23.8%
    4 Bedrooms
    29.4%
    5+ Bedrooms
    8.5%

    Rental Trends — Saint Cloud, MN

    As of July '25, Rentcast reports the average rent in Saint Cloud, MN is $1,090, with a year-over-year rent change of 1.9%. Per bedroom, the median rent as of July '25 in Saint Cloud, MN is studios: $880, 1-bedrooms: $690, 2-bedrooms: $1,350, 3-bedrooms: $1,620, 4-bedrooms: $1,060. The most common rental property sizes in Saint Cloud, MN are 2-bedroom and 4-bedroom, accounting for 34.6% and 22.1% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,100$1,090
    Studio Rent $880$880
    1 Bed Rent $695$690
    2 Bed Rent $1,120$1,350
    3 Bed Rent $1,350$1,620
    4 Bed Rent $1,250$1,060
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    % of Rental Stock

    Studio
    8.5%
    1 Bedroom
    16.3%
    2 Bedrooms
    34.6%
    3 Bedrooms
    14.7%
    4 Bedrooms
    22.1%
    5+ Bedrooms
    3.8%

    Property Listings — Saint Cloud, MN

    As of Dec '25, Realtor.com reports that the median days on market for a home in Saint Cloud, MN is 55. This is a decrease of -10.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 21.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$334,0002.0%
    Listing Count
    		855.0%
    Listings as % of Homes0.4%5.0%
    Days on Market
    		62-4.0%
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    Demographics — Saint Cloud, MN

    As of the latest ACS Survey released in 2023, Saint Cloud, MN has a population of 34,900, which has remained stable by -0.5% over the past 5 years. Saint Cloud, MN is a moderately popular place for families, as children make up 22.3% of the population. The area has a moderately educated workforce, with 32.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.3% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		34,900-0.5%
    % Under 18
    		22.3%9.3%
    % Seniors
    		10.9%17.2%
    % WFH
    		8.3%84.4%
    % w/ College Degree
    		32.5%0.3%
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    As of the latest ACS Survey released in 2023, Saint Cloud, MN is a predominantly white area, with 65.9% of the population identifying as white. The white population has shrunk by 13.6% in the last 5 years. The second most common race or ethnicity in Saint Cloud, MN is black, making up 20.0% of the population. Foreign-born residents account for 16.2% of the population in Saint Cloud, MN, and this percentage has increased by 20.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		65.9%-13.6%
    % Black
    		20.0%41.8%
    % Hispanic
    		6.0%130.8%
    % Asian
    		4.3%19.4%
    % Foreign Born
    		16.2%20.9%
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    Mortgage and Risk — Saint Cloud, MN

    According to HUD data as of 2023, there were 481 mortgage originations in Saint Cloud, MN, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Saint Cloud, MN. Investor activity is low, as 6.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		481
    % Conventional Loans
    		80.0%
    % Government Loans
    		20.0%
    % Investor Loans
    		6.0%
    % Second Loans
    		0.0%
    % Cash Out Refinance
    		12.0%
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    Rentals and Section 8 — Saint Cloud, MN

    As of 2024, the percent of homes in Saint Cloud, MN under the Section 8 program is 9.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Saint Cloud, MN, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.

    Section 8 Market Size

    Total Units under HUD
    		607
    Total Units Section 8
    		566
    % Rentals under Section 8
    		9.2%
    % Occupied Section 8
    		87.7%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$265$695$960
    2 Bedroom$130$1,120$1,250
    3 Bedroom$290$1,350$1,640
    4 Bedroom$700$1,250$1,950

    Affordability — Saint Cloud, MN

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.9
    Median Home Price$304,000
    Median Household Income$69,700

    Saint Cloud, MN — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Waite Park, MN

    56387

    Saint Cloud, MN

    56303

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    56374

    Sartell, MN

    56377

    Frequently Asked Questions