Market Overview
Home Prices in Sauk Rapids, MN
The median home value in Sauk Rapids, MN is $307,388 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 Sauk Rapids are priced25% below average. Sauk Rapids is part of the St. Cloud, MN metro area.
Over the past five years, Sauk Rapids home values have risen by approximately29.5%, reflecting strong long-term appreciation in this market.
Price History
Sauk Rapids Home Price Trend
City Comparison
Sauk Rapids vs. National Median
At $307,388, homes in Sauk Rapids cost 25% below the national median of $410,000. This makes Sauk Rapids a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sauk Rapids?
20% Down Payment
$61,478
on $307,388
Monthly P&I
$1,603/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,036/mo
incl. taxes & insurance
Income Needed
$81,440
gross annual (30% rule)
10% Down Option
$30,739
+ PMI applies
Loan Amount (20% dn)
$245,910
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 Sauk Rapids, MN?
The median home value in Sauk Rapids is $307,388 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 Sauk Rapids?
Over the past year, home values in Sauk Rapids have increased by 2.4%. Over five years, prices have risen approximately 29.5%.
How much do I need to earn to buy a home in Sauk Rapids?
To comfortably afford the median home price of $307,388 with a 20% down payment ($61,478) at today's rates (6.8%), you'd need a gross annual income of approximately $81,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Sauk Rapids compare to the national average home price?
The national median home value is approximately $410,000. At $307,388, homes in Sauk Rapids are 25% below the national average.
What metro area is Sauk Rapids part of?
Sauk Rapids is part of the St. Cloud, MN metropolitan area. Home prices and market conditions can vary across the broader metro region.