Saint Joseph, Minnesota.
Typical home $331,909 (+3.6% in a year). St. Cloud, MN metro.
to buy the typical home at today's mortgage rate — +$951 (+120%) since Jan 2020.
- 1 year
- Up $11,680 +4%
- $320,229$331,909 since Sep 2025
- 5 years
- Up $69,262 +26%
- $262,647$331,909 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 Joseph$1,742
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Saint Joseph, MN rose 3.6% over the past year — faster than the nation's +1.2%.
Living in Saint Joseph, Stearns County, Minnesota
Saint Joseph is a city of 7,029 people in Stearns County. Half its households earn more than $74,946 a year and half less, against $77,066 across Stearns County; 19% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% 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 It can be wrong or out of date.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. Saint Joseph is a small city in Stearns County, Minnesota, where most homes are lived in by their owners. Household incomes run a little below the county's, and a good share of residents hold a four-year degree. The usual trip to work is short, and a small number of people work from home. Winters are cold and snowy, with January the coldest month, and summers are warm, with July the warmest. The year brings plenty of snow and a fair amount of rain and melted snow.
Work. Many residents work in schools, hospitals and social care, with manufacturing, professional and business services, and the building trades also employing a good number. One of the largest workplaces in town is the College of Saint Benedict, along with Manions Wholesale Building and Coborn's St. Joseph. Unemployment across Stearns County is a little higher than a year ago, and the number of jobs there has barely changed.
Things to do. A short drive away is the Hill Museum & Manuscript Library, a museum, and Saint John's Arboretum, a botanical garden. Also a short drive away are Munsinger Gardens and Clemens Gardens, another botanical garden, which makes a pleasant outing in the warmer months. For time by the water, the Watab River is a short drive away too.
Report a mistake
- 2,302households
- 28%of adults have a degree
- 19%below the poverty line
- 19 mintypical commute
- 8%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, 4 miles away (NOAA).
Largest workplaces in Saint Joseph
- College of Saint BenedictUniversity or college416
- Manions Wholesale BuildingManufacturing building construction122
- Coborn's St. Joseph96
- Precise Refrigeration, Heating, & Air ConditioningHvac contractors55
- Breth-zenzen Fire ProtectionFire sprinkler system installation28
- Premier Healthcare managementAssisted living25
- Five Star Transport SolutionsGeneral freight trucking, local24
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 797 people in all. Colleges come from IPEDS (NCES, 2023–24). 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
- Winter weatherRelatively high
- TornadoesRelatively high
- LightningRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Joseph’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.
Saint Joseph home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Joseph$331,909
- 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 Joseph listings — the market is cooling.
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 Joseph28.87%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Joseph39
New listings per month
Sellers arriving at the market.
- Saint Joseph13
Zip codes with a Saint Joseph address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Joseph — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.