St. Cloud, MN

Metro area in Minnesota · Updated Jan 2026

12-Month Forecast ↑ +1.7%

Median Home Value

$301,924

↑ +3.8%

Year-over-year

Median Rent

$1,175/mo

↑ +2.4%

Year-over-year

Rental Yield

4.7%

Good for investors

5-Year Appreciation

+37.1%

Income Needed to Buy

$78,491

20% down, 30% DTI max

Active Listings

451

For-sale inventory

Price-to-Rent Ratio

21.4

Favors renting

Price Forecast

1 Month

↑ +0.4%

3 Months

↑ +0.9%

12 Months

↑ +1.7%

5-Year Price Trend

Calculate your mortgage for St. Cloud, MN

See monthly payments for a $301,924 home →

Should you rent or buy in St. Cloud, MN?

Price-to-rent ratio: 21.4x — Renting may be smarter. Run a full breakeven analysis with St. Cloud, MN numbers pre-filled →

Frequently Asked Questions