Market Overview
Home Prices in Saint Joseph, MN
The median home value in Saint Joseph, MN is $346,091 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.7% compared to a year ago and up 5.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint Joseph are priced16% below average. Saint Joseph is part of the St. Cloud, MN metro area.
Over the past five years, Saint Joseph home values have risen by approximately30.7%, reflecting strong long-term appreciation in this market.
Price History
Saint Joseph Home Price Trend
City Comparison
Saint Joseph vs. National Median
At $346,091, homes in Saint Joseph cost 16% below the national median of $410,000. This makes Saint Joseph a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saint Joseph?
20% Down Payment
$69,218
on $346,091
Monthly P&I
$1,805/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,292/mo
incl. taxes & insurance
Income Needed
$91,680
gross annual (30% rule)
10% Down Option
$34,609
+ PMI applies
Loan Amount (20% dn)
$276,873
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 Joseph, MN?
The median home value in Saint Joseph is $346,091 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.7% year-over-year.
How much have home prices changed in Saint Joseph?
Over the past year, home values in Saint Joseph have increased by 4.7%. Over five years, prices have risen approximately 30.7%.
How much do I need to earn to buy a home in Saint Joseph?
To comfortably afford the median home price of $346,091 with a 20% down payment ($69,218) at today's rates (6.8%), you'd need a gross annual income of approximately $91,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Joseph compare to the national average home price?
The national median home value is approximately $410,000. At $346,091, homes in Saint Joseph are 16% below the national average.
What metro area is Saint Joseph part of?
Saint Joseph is part of the St. Cloud, MN metropolitan area. Home prices and market conditions can vary across the broader metro region.