Median home value: $327K (+5.2% 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$326,731
+5.2%
AFFORDABILITY6.00% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Saint Joseph.
$65,346 on $326,731
Stretch — 32.4% of income
Above 28% but manageable with cuts.
PITI$2,022
P/I32.4%
Afford$283K
Gap-$44K
P&I $1,567Tax $305Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing