Median home value in zip code 56301 (Saint Cloud, MN) is $305,613, up 4.0% year over year. Part of the St. Cloud, MN metropolitan area.

Home Value$305,613

YoY Change

+4.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 56301 (Saint Cloud).

Income (annual)

Down Payment

$61,123 on $305,613

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

Stretch31.7% of income

Above 28% but manageable with cuts.

PITI$1,981

P/I31.7%

Afford$270K

Gap-$36K

P&I $1,545Tax $285Ins $150

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

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

Metro Analysis

56301 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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