Median home value: $359K (+3.5% YoY). Part of St. Cloud, MN.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, St. Cloud, MN metro page.
Home Value$358,629
+3.5%
AFFORDABILITY6.00% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Cold Spring.
$71,726 on $358,629
Stretch — 35.3% of income
Above 28% but manageable with cuts.
PITI$2,205
P/I35.3%
Afford$285K
Gap-$74K
P&I $1,720Tax $335Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing