Median home value in zip code 55389 (Watkins, MN) is $308,189, up 3.5% year over year. Part of the St. Cloud, MN metropolitan area.

Home Value$308,189

YoY Change

+3.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 55389 (Watkins).

Income (annual)

Down Payment

$61,638 on $308,189

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

Stretch31.9% of income

Above 28% but manageable with cuts.

PITI$1,996

P/I31.9%

Afford$270K

Gap-$38K

P&I $1,558Tax $288Ins $150

6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

55389 is part of the St. Cloud, MN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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