Market Overview
Home Prices in Lake Saint Croix Beach, MN
The median home value in Lake Saint Croix Beach, MN is $353,002 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.7% 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 Lake Saint Croix Beach are priced14% below average. Lake Saint Croix Beach is part of the Minneapolis-St. Paul-Bloomington, MN-WI metro area.
Over the past five years, Lake Saint Croix Beach home values have risen by approximately18.7%, reflecting steady appreciation in this market.
Price History
Lake Saint Croix Beach Home Price Trend
City Comparison
Lake Saint Croix Beach vs. National Median
At $353,002, homes in Lake Saint Croix Beach cost 14% below the national median of $410,000. This makes Lake Saint Croix Beach a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Lake Saint Croix Beach?
20% Down Payment
$70,600
on $353,002
Monthly P&I
$1,841/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,338/mo
incl. taxes & insurance
Income Needed
$93,520
gross annual (30% rule)
10% Down Option
$35,300
+ PMI applies
Loan Amount (20% dn)
$282,402
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 Lake Saint Croix Beach, MN?
The median home value in Lake Saint Croix Beach is $353,002 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.7% year-over-year.
How much have home prices changed in Lake Saint Croix Beach?
Over the past year, home values in Lake Saint Croix Beach have increased by 3.7%. Over five years, prices have risen approximately 18.7%.
How much do I need to earn to buy a home in Lake Saint Croix Beach?
To comfortably afford the median home price of $353,002 with a 20% down payment ($70,600) at today's rates (6.8%), you'd need a gross annual income of approximately $93,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Lake Saint Croix Beach compare to the national average home price?
The national median home value is approximately $410,000. At $353,002, homes in Lake Saint Croix Beach are 14% below the national average.
What metro area is Lake Saint Croix Beach part of?
Lake Saint Croix Beach is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area. Home prices and market conditions can vary across the broader metro region.