Holdingford, Minnesota.
Typical home $361,830 (+6.0% in a year). St. Cloud, MN metro.
to buy the typical home at today's mortgage rate — +$1,118 (+143%) since Jan 2020.
- 1 year
- Up $20,449 +6%
- $341,381$361,830 since Sep 2025
- 5 years
- Up $98,014 +37%
- $263,815$361,830 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Holdingford$1,899
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Holdingford, MN rose 6.0% over the past year — faster than the nation's +1.2%.
Living in Holdingford, Stearns County, Minnesota
Holdingford is a city of 743 people in Stearns County. Half its households earn more than $79,375 a year and half less, against $77,066 across Stearns County; 6% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Stearns County was 4.8% in August 2026, and the county had 0.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Holdingford is a very small city in Stearns County, where most homes are lived in by their owners and the population is younger than in much of the country. Household incomes run a little above the county's, and fewer residents live below the poverty line than in many places. Winters are long and cold, with January the coldest month and heavy snow through the season, while July brings warm days and the year's rain and melted snow is moderate.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, the building trades and shops also employing many. Across Stearns County, some of the largest workplaces are Blattner Company, St. Cloud Hospital and the Veterans Health Administration. Commutes are fairly long, and only a small number of people work from home.
Things to do. Several small rivers, including North Two River, South Two River and Two River, are a short drive away, good for a quiet walk along the water. A longer drive brings you to Charles A. Lindbergh State Park, a protected area, and to the Hill Museum & Manuscript Library, a museum.
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- 273households
- 24%of adults have a degree
- 6%below the poverty line
- 29 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Stearns County had 87,420 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 21° and lows near 4°; warmest in July, with highs near 81° and lows near 61°. About 57 inches of snow and 31 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Collegeville St. John's weather station, 11 miles away (NOAA).
Largest workplaces in Stearns County
- Blattner CompanyAlternative energy structure construction7,828
- St. Cloud HospitalGeneral hospital3,585FTE
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,817
- St. Cloud Public School DistrictSchool district1,676FTE
- PilgrimsPoultry slaughtering, dressing, and packing1,531
- Rasmussen University-MinnesotaUniversity or college1,367
- Saint Cloud State UniversityUniversity or college1,116
- New Flyer USAAssembly plants, heavy trucks, and buses on chassis of own manufacture936
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 291 workplaces with 20 or more staff, 46,167 people in all across the county; Holdingford has two of its own. Hospitals come from their Medicare cost reports (CMS, 2023), federal offices from OPM's federal workforce data (2026), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- HailRelatively high
- Inland floodingRelatively high
- Winter weatherRelatively high
- TornadoesRelatively high
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Holdingford’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Stearns County and the St. Cloud, MN metro.
Holdingford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Holdingford$361,830
- Minnesota$348,778
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Holdingford7
Zip codes with a Holdingford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Holdingford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.