The median home in Paynesville, Minnesota is valued at $214,479, up 5.0% year over year. Paynesville is part of the St. Cloud, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$214,479

+5.0%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$42,896 on $214,479

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

Affordable23% of income

Under the 28% guideline.

PITI$1,435

P/I23%

Afford$262K

Room+$47K

P&I $1,085Tax $200Ins $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 Paynesville 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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Paynesville, MN