Saint Cloud, MN—56303
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Cloud, MN
As of Oct '25, the median home price in Saint Cloud, MN is $236,000, with a year-over-year change of 4.9%. This indicates that home prices in Saint Cloud, MN are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $236,000 | 4.9% |
| Single Family | $237,000 | 4.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $131,000 | 3.1% |
2 Bed | $206,000 | 5.6% |
3 Bed | $233,000 | 4.0% |
4 Bed | $267,000 | 4.3% |
| 5 Bed | $297,000 | 3.8% |
% of Housing Stock
Rental Trends — Saint Cloud, MN
As of July '25, Rentcast reports the average rent in Saint Cloud, MN is $956, with a year-over-year rent change of -15.4%. Per bedroom, the median rent as of July '25 in Saint Cloud, MN is studios: $574, 1-bedrooms: $814, 2-bedrooms: $936, 3-bedrooms: $1,410, 4-bedrooms: $1,620. The most common rental property sizes in Saint Cloud, MN are 2-bedroom and 1-bedroom, accounting for 43.3% and 26.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $925 | $956 |
| Studio Rent | $445 | $574 |
| 1 Bed Rent | $825 | $814 |
| 2 Bed Rent | $945 | $936 |
| 3 Bed Rent | $1,400 | $1,410 |
| 4 Bed Rent | $1,620 | $1,620 |
% of Rental Stock
Property Listings — Saint Cloud, MN
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Cloud, MN is 42. This is a increase of 37.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $250,000 | 1.0% |
Listing Count | 108 | 31.0% |
| Listings as % of Homes | 0.4% | 31.0% |
Days on Market | 42 | 37.0% |
Demographics — Saint Cloud, MN
As of the latest ACS Survey released in 2023, Saint Cloud, MN has a population of 26,000, which has increased by 5.5% over the past 5 years. Saint Cloud, MN is a moderately popular place for families, as children make up 20.4% of the population. The area has a moderately educated workforce, with 29.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 26,000 | 5.5% |
% Under 18 | 20.4% | 2.0% |
% Seniors | 18.7% | 14.7% |
% WFH | 8.2% | 148.5% |
% w/ College Degree | 29.1% | -6.1% |
As of the latest ACS Survey released in 2023, Saint Cloud, MN is a predominantly white area, with 77.1% of the population identifying as white. The white population has shrunk by 8.5% in the last 5 years. The second most common race or ethnicity in Saint Cloud, MN is black, making up 8.9% of the population. Foreign-born residents account for 7.2% of the population in Saint Cloud, MN, and this percentage has increased by 2.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 77.1% | -8.5% |
% Black | 8.9% | 12.7% |
% Hispanic | 6.4% | 166.7% |
% Asian | 3.0% | 15.4% |
% Foreign Born | 7.2% | 2.9% |
Mortgage and Risk — Saint Cloud, MN
According to HUD data as of 2023, there were 582 mortgage originations in Saint Cloud, MN, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 37.0% 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. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 582 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 6.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Saint Cloud, MN
As of 2024, the percent of homes in Saint Cloud, MN under the Section 8 program is 8.6%. 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 | 498 |
Total Units Section 8 | 359 |
% Rentals under Section 8 | 8.6% |
% Occupied Section 8 | 93.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $25 | $825 | $850 |
| 2 Bedroom | $165 | $945 | $1,110 |
| 3 Bedroom | $60 | $1,400 | $1,460 |
| 4 Bedroom | $110 | $1,620 | $1,730 |
Affordability — Saint Cloud, MN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $236,000 |
| Median Household Income | $66,800 |