Stearns County, Minnesota home prices
Typical home $310,038 · +2.4% in a year · property tax 1%
The typical home in Stearns County is worth $310,038, 11% less than the Minnesota typical home ($348,778). Values changed +2.4% in the past year and +23.7% over five years. Homeowners here pay a median 1% of their home's value in property tax each year ($3,109 on the typical home), versus 1.04% statewide.
Mortgage on the typical Stearns County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,008 | $248,030 | $1,669 | $0 | $414 | $2,083 | $89,300 |
| 10% down | $31,004 | $279,034 | $1,877 | $116 | $414 | $2,407 | $103,200 |
| 5% down | $15,502 | $294,536 | $1,981 | $123 | $414 | $2,518 | $107,900 |
| 3.5% down (FHA) | $10,851 | $304,422 | $2,048 | $137 | $414 | $2,599 | $111,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Minnesota · part of the St. Cloud metro area.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mille Lacs County | $309,263 | +1.5% | 1.04% |
| Nicollet County | $312,313 | +3.0% | 1.13% |
| Morrison County | $312,773 | +3.3% | 0.88% |
| Benton County | $313,228 | +2.8% | 0.98% |
| Clay County | $303,991 | +2.5% | 1.13% |
| Hubbard County | $317,334 | +1.9% | 0.78% |
| Blue Earth County | $301,642 | +2.1% | 0.98% |
| Wabasha County | $318,894 | +5.2% | 1.05% |
| Goodhue County | $321,212 | +1.6% | 1.05% |
| Carlton County | $298,854 | +4.2% | 1.17% |
Frequently asked questions
What is the average home price in Stearns County, MN?
The typical home value in Stearns County is $310,038 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Stearns County?
About $89,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Stearns County?
The median effective rate is 1% of home value a year (Census ACS 2024 5-year estimates).