Market Overview
Home Prices in Saint Cloud, MN
The median home value in Saint Cloud, MN is $261,855 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.8% compared to a year ago and up 4.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint Cloud are priced36% below average. Saint Cloud is part of the Minneapolis-St. Paul-Bloomington, MN-WI metro area.
Over the past five years, Saint Cloud home values have risen by approximately26.8%, reflecting strong long-term appreciation in this market.
Price History
Saint Cloud Home Price Trend
City Comparison
Saint Cloud vs. National Median
At $261,855, homes in Saint Cloud cost 36% below the national median of $410,000. This makes Saint Cloud a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saint Cloud?
20% Down Payment
$52,371
on $261,855
Monthly P&I
$1,366/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,735/mo
incl. taxes & insurance
Income Needed
$69,400
gross annual (30% rule)
10% Down Option
$26,186
+ PMI applies
Loan Amount (20% dn)
$209,484
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 Saint Cloud, MN?
The median home value in Saint Cloud is $261,855 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.8% year-over-year.
How much have home prices changed in Saint Cloud?
Over the past year, home values in Saint Cloud have increased by 1.8%. Over five years, prices have risen approximately 26.8%.
How much do I need to earn to buy a home in Saint Cloud?
To comfortably afford the median home price of $261,855 with a 20% down payment ($52,371) at today's rates (6.8%), you'd need a gross annual income of approximately $69,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Cloud compare to the national average home price?
The national median home value is approximately $410,000. At $261,855, homes in Saint Cloud are 36% below the national average.
What metro area is Saint Cloud part of?
Saint Cloud is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area. Home prices and market conditions can vary across the broader metro region.