The median home in Watkins, Minnesota is valued at $301,666, up 1.7% year over year. Watkins is part of the St. Cloud, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$301,666

+1.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Watkins.

Income (annual)

Down Payment

$60,333 on $301,666

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

Stretch31.3% of income

Above 28% but manageable with cuts.

PITI$1,957

P/I31.3%

Afford$270K

Gap-$32K

P&I $1,525Tax $282Ins $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 Watkins 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.

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Watkins, MN