The median home in Saint Cloud, Minnesota is valued at $247,174, up 3.3% year over year. Typical monthly rent is $1,130, producing a price-to-rent ratio of 18.2x — near the national average of 18x. Saint Cloud is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$247,174

+3.3%

Rent$1,130/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$49,435 on $247,174

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

Affordable26.1% of income

Under the 28% guideline.

PITI$1,631

P/I26.1%

Afford$265K

Room+$18K

P&I $1,250Tax $231Ins $150

Renting $501/mo cheaper ($1,130 rent)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 Saint Cloud 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 Minneapolis-St. Paul-Bloomington, MN-WI analysis

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

View Minneapolis-St. Paul-Bloomington, MN-WI metro

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Saint Cloud, MN