56320
Cold Spring, Minnesota.
Cold Spring, Stearns County, MN · St. Cloud, MN metro · population 8,482
to buy the typical home at today's mortgage rate — +$1,019 (+113%) since Jan 2020.
- 1 year
- Up $7,455 +2%
- $358,602$366,057 since Sep 2025
- 5 years
- Up $67,782 +23%
- $298,275$366,057 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.
- 56320$1,921
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in zip 56320 rose 2.1% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Cold Spring, MN — measured over the city limits, which is a different area from this zip.
Typical home value — 56320
Mid-tier homes, smoothed and seasonally adjusted.
- 56320$366,057
- St. Cloud$310,763
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 4.0 | 56369 | Rockville | 582 | — | $258,795 |
| 6.0 | 56368 | Richmond | 4,262 | — | $363,337 |
| 8.6 | 56301 | Saint Cloud | 35,580 | $1,319 | $307,929 |
| 9.8 | 56387 | Waite Park | 7,756 | $1,143 | $251,019 |
| 10.5 | 56374 | Saint Joseph | 10,029 | — | $331,448 |
| 11.0 | 55353 | Kimball | 3,361 | — | $353,769 |
| 11.3 | 55389 | Watkins | 2,384 | — | $321,108 |
| 11.9 | 56310 | Avon | 5,431 | — | $376,829 |
| 12.6 | 56303 | Saint Cloud | 25,827 | $949 | $237,998 |
| 13.0 | 55329 | Eden Valley | 2,219 | — | $285,373 |
| 14.0 | 56307 | Albany | 5,385 | — | $352,410 |
| 15.0 | 56362 | Paynesville | 5,773 | — | $319,648 |
| 15.0 | 55382 | South Haven | 3,691 | — | $405,334 |
| 15.2 | 56377 | Sartell | 21,063 | $1,460 | $336,629 |
| 16.8 | 55320 | Clearwater | 5,998 | — | $369,759 |
| 17.9 | 56375 | Saint Stephen | 694 | — | $297,889 |
| 18.2 | 56304 | Saint Cloud | 17,473 | $1,176 | $270,858 |
| 19.4 | 56331 | Freeport | 2,057 | — | $375,209 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.