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📍 Gilman, MN · Zillow ZHVI · July 2026

Average Home Price in
Gilman, MN

St. Cloud, MN metro area · Benton County County

Median Home Value
$265,346
↑ 1.3% year-over-year
vs. National Median
$410,000
Gilman is 35% below
Est. Monthly Payment
$1,384/mo
20% down · 6.8% rate
Income Needed
$70K
gross annual (30% rule)
Median Home Value
$265,346
↑ 1.3% year-over-year
Down Payment (20%)$53,069
Monthly P&I$1,384/mo
With Taxes & Ins.~$1,758/mo
Income Needed$70,320/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Gilman, MN

The median home value in Gilman, MN is $265,346 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.3% compared to a year ago and up 2.6% from two years prior.

Compared to the U.S. national median of $410,000, homes in Gilman are priced35% below average. Gilman is part of the St. Cloud, MN metro area.

City Comparison

Gilman vs. National Median

🏠 Gilman
$265,346
National Median
$410,000

At $265,346, homes in Gilman cost 35% below the national median of $410,000. This makes Gilman a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Gilman?

20% Down Payment
$53,069
on $265,346
Monthly P&I
$1,384/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,758/mo
incl. taxes & insurance
Income Needed
$70,320
gross annual (30% rule)
10% Down Option
$26,535
+ PMI applies
Loan Amount (20% dn)
$212,277
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Gilman, MN?
The median home value in Gilman is $265,346 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.3% year-over-year.
How much have home prices changed in Gilman?
Over the past year, home values in Gilman have increased by 1.3%.
How much do I need to earn to buy a home in Gilman?
To comfortably afford the median home price of $265,346 with a 20% down payment ($53,069) at today's rates (6.8%), you'd need a gross annual income of approximately $70,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Gilman compare to the national average home price?
The national median home value is approximately $410,000. At $265,346, homes in Gilman are 35% below the national average.
What metro area is Gilman part of?
Gilman is part of the St. Cloud, MN metropolitan area. Home prices and market conditions can vary across the broader metro region.