The median home in Waite Park, Minnesota is valued at $243,963, up 3.3% year over year. Typical monthly rent is $1,070, producing a price-to-rent ratio of 19x — near the national average of 18x. Waite Park is part of the St. Cloud, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$243,963

+3.3%

Rent$1,070/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Waite Park.

Income (annual)

Down Payment

$48,793 on $243,963

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

Affordable25.8% of income

Under the 28% guideline.

PITI$1,611

P/I25.8%

Afford$265K

Room+$21K

P&I $1,234Tax $228Ins $150

Renting $541/mo cheaper ($1,070 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 Waite Park 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

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Waite Park, MN