Median home value in zip code 56304 (Saint Cloud, MN) is $263,663, up 2.6% year over year. Part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area.

Home Value$263,663

YoY Change

+2.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 56304 (Saint Cloud).

Income (annual)

Down Payment

$52,733 on $263,663

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

Affordable27.9% of income

Under the 28% guideline.

PITI$1,742

P/I27.9%

Afford$265K

Room+$1K

P&I $1,333Tax $259Ins $150

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

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

Metro Analysis

56304 is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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