St. Cloud housing market
Typical home value
$311K
▲ 2.4% 1 yr
Typical rent
$1,224/mo
▲ 5.3% 1 yr
12-month forecast
+3.7%
#68 of 546 metros
Gross rent yield
4.7%
#438 of 546 · U.S. 6.3%
Days to pending
45 days
▼ −7 days 1 yr
Listings with a price cut
30%
▼ −0.2 pts 1 yr
Key takeaways
- 1The typical home is worth $310,763, up 2.4% in a year and up 24% over five years.
- 2Zillow forecasts home values rising 3.7% over the next 12 months (U.S.: +1.1%).
- 3Typical rent is $1,224/mo (+5.3% YoY), a 4.7% gross yield, below the U.S. 6.3%.
- 4At 7.32% with 20% down, the typical home costs $1,708/mo in principal and interest, $484 more than renting.
- 5Homes go under contract in 45 days (−7 days vs last year); 30% of listings have had a price cut.
Market temperature
Buyer's market
Buyer'sNeutralSeller's
Zillow Market Heat Index: 35/100, #363 hottest of 546 metros. Below 44 favors buyers; above 55 favors sellers.
Home values and rent
How fast homes are selling
For saleNew listings
Affordability
To buy (20% down)To rent
Source: Zillow Research (ZHVI, ZORI and market activity data).
How St. Cloud compares
| Measure | St. Cloud | United States | Rank of 546 |
|---|---|---|---|
| Home value, 1-yr change | +2.4% | +1.2% | #259 |
| Home value, 5-yr change | +24.1% | +19.7% | |
| 12-month forecast | +3.7% | +1.1% | #68 |
| Rent, 1-yr change | +5.3% | +2.7% | #101 |
| Gross rent yield | 4.7% | 6.3% | #438 |
| Price-to-rent ratio | 21.2 | 15.8 | |
| Mortgage P&I on typical home | $1,708 | $2,012 | |
| Income needed to buy | $85,785 | $100,902 | |
| Days to pending | 45 | 56 |
Run the numbers
Rental property calculator
Cash flow on a typical St. Cloud rental ($311K, $1,224/mo), pre-filled.
Mortgage calculator
Monthly payment on a typical St. Cloud home.
Rent vs buy
Is it cheaper to rent or buy in St. Cloud?
Other Minnesota metros
Minneapolis, MN
$388K home$1,736 rent5.4% yield
▲ 1.7% 1 yr
Duluth, MN
$264K home$1,329 rent6.0% yield
▲ 5.2% 1 yr
Rochester, MN
$338K home$1,590 rent5.6% yield
▲ 3.8% 1 yr
Grand Forks, ND
$283K home$1,132 rent4.8% yield
▲ 7.3% 1 yr
Mankato, MN
$306K home$1,236 rent4.9% yield
▲ 2.5% 1 yr
Faribault, MN
$351K home$1,579 rent5.4% yield
▲ 2.2% 1 yr
Winona, MN
$283K home$1,093 rent4.6% yield
▲ 3.9% 1 yr
Austin, MN
$202K home$1,161 rent6.9% yield
▲ 3.0% 1 yr
Gross yield = 12 × typical rent ÷ typical home value, before expenses. Mortgage estimate: 20% down, 30-year fixed at the current Freddie Mac average, principal and interest only. Forecast: Zillow Home Value Forecast. Data refreshed Oct 26, 2026.