The median home in Cold Spring, Minnesota is valued at $358,629, up 3.5% year over year. Cold Spring is part of the St. Cloud, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$358,629

+3.5%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$71,726 on $358,629

Example: $75,000 household income. Change it above to see your own.

Out of reach36.8% of income

Need $98,486/yr to afford.

PITI$2,298

P/I36.8%

Afford$273K

Gap-$86K

P&I $1,813Tax $335Ins $150

6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Cold Spring with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full St. Cloud, MN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Cloud, MN metro.

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Cold Spring, MN