Median home value in zip code 56320 (Cold Spring, MN) is $366K, up 3.4% year over year. Part of the St. Cloud, MN metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: St. Cloud, MN metro →

Home Value$365,648

YoY Change

+3.4%

AFFORDABILITY

Enter your income for 56320 (Cold Spring).

Income (annual)

Down Payment

$73,130 on $365,648

Out of reach — 37.4% of income

Need $100,286/yr to afford.

PITI$2,340

P/I37.4%

Afford$273K

Gap-$92K

P&I $1,849Tax $341Ins $150

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

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

Metro Analysis

56320 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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