Market Overview
Home Prices in Saint Stephen, MN
The median home value in Saint Stephen, MN is $308,663 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.4% compared to a year ago and up 3.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint Stephen are priced25% below average. Saint Stephen is part of the St. Cloud, MN metro area.
Over the past five years, Saint Stephen home values have risen by approximately28.0%, reflecting strong long-term appreciation in this market.
Price History
Saint Stephen Home Price Trend
City Comparison
Saint Stephen vs. National Median
At $308,663, homes in Saint Stephen cost 25% below the national median of $410,000. This makes Saint Stephen a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saint Stephen?
20% Down Payment
$61,733
on $308,663
Monthly P&I
$1,610/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,045/mo
incl. taxes & insurance
Income Needed
$81,800
gross annual (30% rule)
10% Down Option
$30,866
+ PMI applies
Loan Amount (20% dn)
$246,930
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 Stephen, MN?
The median home value in Saint Stephen is $308,663 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.4% year-over-year.
How much have home prices changed in Saint Stephen?
Over the past year, home values in Saint Stephen have increased by 2.4%. Over five years, prices have risen approximately 28.0%.
How much do I need to earn to buy a home in Saint Stephen?
To comfortably afford the median home price of $308,663 with a 20% down payment ($61,733) at today's rates (6.8%), you'd need a gross annual income of approximately $81,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Stephen compare to the national average home price?
The national median home value is approximately $410,000. At $308,663, homes in Saint Stephen are 25% below the national average.
What metro area is Saint Stephen part of?
Saint Stephen is part of the St. Cloud, MN metropolitan area. Home prices and market conditions can vary across the broader metro region.