Saint Cloud, Minnesota.
Typical home $256,326 (+1.3% in a year), asking rent $1,241 (+5.2%). Minneapolis-St. Paul-Bloomington, MN-WI metro.
to buy the typical home at today's mortgage rate — +$707 (+111%) since Jan 2020.
- 1 year
- Up $3,174 +1%
- $253,152$256,326 since Sep 2025
- 5 years
- Up $45,319 +21%
- $211,007$256,326 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.
- Saint Cloud$1,345
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Saint Cloud, MN rose 1.3% over the past year — in step with the nation.
Asking rents in Saint Cloud, MN rose 5.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Saint Cloud runs $589/mo more than renting one. The gap peaked at $657 in Oct 2023.
That is $1,830 a month against $1,241 rent: a $1,345 mortgage payment, plus $210 property tax and $274 insurance & upkeep.
Owning vs renting — Saint Cloud
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,830
- Renting$1,241
- Mortgage only$1,345
Property tax · $210/mo 0.99% of value a year — the ACS 2020-2024 median bill over the median home value for Sherburne County, MN
Insurance & upkeep · $274/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Saint Cloud, Sherburne County, Minnesota
Saint Cloud is a city of 68,881 people in Sherburne County. Half its households earn more than $61,374 a year and half less, against $105,466 across Sherburne County; 20% of its people live below the poverty line. 49% of its homes are lived in by their owners and 51% are rented. Unemployment in Saint Cloud was 5.3% in August 2026, and Sherburne County had 1.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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. Saint Cloud is a city with a young population, a younger median age than much of the country, and a mix of students and working families. Incomes run well below those of Sherburne County as a whole, and more people here live below the poverty line than is typical. Fewer homes are lived in by their owners than renters' share would suggest elsewhere, so renting is a common way of living in town. Winters are cold and snowy, with January the coldest month, and summers are warm in July.
Work. Many residents work in schools, hospitals and social care, with shops, manufacturing, and restaurants, hotels and entertainment also employing many people. Among the largest workplaces in Saint Cloud are St. Cloud Hospital, Saint Cloud State University and New Flyer USA, which assembles buses. Unemployment has risen over the past year, though across Sherburne County there were slightly more jobs last year than the year before. A typical commute is short, and few people work from home.
Things to do. Munsinger Gardens and Clemens Gardens, a botanical garden, lie in or beside town and are an easy place for a walk in the warm months. Donovan Lake is a short drive away for time by the water, and the Hill Museum & Manuscript Library is a longer drive away for those who enjoy a museum. Johnson Creek, a river, is also a short drive from town.
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- 27,807households
- 30%of adults have a degree
- 20%below the poverty line
- 20 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Sherburne County had 28,584 jobs in 2025, 1.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 21° and lows near 3°; warmest in July, with highs near 82° and lows near 59°. About 48 inches of snow and 28 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Cloud Regional Airport weather station, 6 miles away (NOAA).
Largest workplaces in Saint Cloud
- St. Cloud HospitalGeneral hospital3,585FTE
- 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
- Marco TechnologiesOffice machinery and equipment rental or leasing438
- Stearns County Administration CenterCounty supervisors' and executives' offices416
- Minnesota Department of Corrections - St. CloudCorrectional institutions389
- GredeDuctile iron castings, unfinished, manufacturing361
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 104 workplaces with 20 or more staff, 18,674 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) 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
- Winter weatherRelatively high
- TornadoesRelatively high
- Hailrelatively high in parts of Saint CloudRelatively moderate
- Lightningrelatively high in parts of Saint CloudRelatively moderate
- Cold wavesrelatively high in parts of Saint CloudRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Cloud’s census tracts, against the rest of the country; all of them together, relatively low. 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 Sherburne County and the Minneapolis-St. Paul-Bloomington, MN-WI metro.
Saint Cloud home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Cloud$256,326
- Minnesota$348,778
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Saint Cloud listings, and the typical home goes pending in 28 days — the market is roughly in balance.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Saint Cloud29.66%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Saint Cloud28
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Cloud282
New listings per month
Sellers arriving at the market.
- Saint Cloud95
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Saint Cloud$246,037
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Saint Cloud99.89%
Zip codes with a Saint Cloud address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Cloud — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Saint Cloud
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 56301 | Saint Cloud | 35,580 | $1,319 | $307,929 |
| 56303 | Saint Cloud | 25,827 | $949 | $237,998 |
| 56304 | Saint Cloud | 17,473 | $1,176 | $270,858 |