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.
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Home Value$247,174
+3.3%
Rent$1,130/mo
AFFORDABILITYRenting $501/mo cheaper ($1,130 rent)6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Saint Cloud.
$49,435 on $247,174
Affordable — 26.1% of income
Under the 28% guideline.
PITI$1,631
P/I26.1%
Afford$265K
Room+$18K
P&I $1,250Tax $231Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Minnesota
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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 →