St. Cloud, MN home prices
Typical home $310,763 · +2.4% in a year · income needed $89,500
The St. Cloud, MN metro area ranks 301 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.4% in a year and +24.1% over five years. With 20% down at 7.11%, the typical home costs about $2,088 a month including 1% property tax (Stearns County rate).
Mortgage on the typical St. Cloud home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,153 | $248,610 | $1,672 | $0 | $415 | $2,088 | $89,500 |
| 10% down | $31,076 | $279,687 | $1,881 | $117 | $415 | $2,413 | $103,400 |
| 5% down | $15,538 | $295,225 | $1,986 | $123 | $415 | $2,524 | $108,200 |
| 3.5% down (FHA) | $10,877 | $305,134 | $2,053 | $137 | $415 | $2,605 | $111,700 |
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.
Counties in the St. Cloud area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Stearns County, MN | $310,038 | +2.4% | 1% |
| Benton County, MN | $313,228 | +2.8% | 0.98% |
What can you afford in Minnesota on your salary? · Minnesota home prices · Salaries in Minnesota
Frequently asked questions
How much is a house in St. Cloud?
The typical home in the St. Cloud, MN metro area is worth $310,763 (Zillow, September 2026).
What salary do you need to buy a house in St. Cloud?
About $89,500 a year for the typical home with 20% down at 7.11%.