Median home value in zip code 56374 (Saint Joseph, MN) is $329,914, up 5.2% year over year. Part of the St. Cloud, MN metropolitan area.

Home Value$329,914

YoY Change

+5.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 56374 (Saint Joseph).

Income (annual)

Down Payment

$65,983 on $329,914

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

Stretch34% of income

Above 28% but manageable with cuts.

PITI$2,126

P/I34%

Afford$272K

Gap-$58K

P&I $1,668Tax $308Ins $150

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

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

Metro Analysis

56374 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.

View St. Cloud, MN analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.