The median home in Saint Stephen, Minnesota is valued at $290,073, up 2.1% year over year. Saint Stephen is part of the St. Cloud, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$290,073

+2.1%

Prices rising — worse for buyers.

Affordability

Enter your income for Saint Stephen.

Income (annual)

Down Payment

$58,015 on $290,073

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

Stretch30.2% of income

Above 28% but manageable with cuts.

PITI$1,888

P/I30.2%

Afford$269K

Gap-$21K

P&I $1,467Tax $271Ins $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 Saint Stephen 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.

View St. Cloud, MN metro

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Saint Stephen, MN