St. Cloud
Minnesota · Ranked #150 of 373 metros
81Affordable
💡
Housing in St. Cloud costs 3.89× the median income, below the national average of 4.5×. The median home price is $288K and median rent is $1,038/month. St. Cloud ranks #150 of 373 metros for affordability.
Median Home Price
🏠$288K
Need $85K income
Median Rent
🔑$1,038
Need $42K income
Building Permits
🔨654
annual
Median Income
💰$74K
Pop: 196,460
Rent Burden
⚠️26.8%
of renters paying >30%
Homeownership
🏡68.0%
Rent Burden
vs. National Average
Key Facts vs. National Average
| Metric | St. Cloud | National |
|---|---|---|
| Price-to-Income Ratio | 3.89x | 6.1x |
| Rent Burden | 26.8% | 31.5% |
| Homeownership Rate | 68.0% | 65.5% |
| YoY Rent Change | 0% | +2.8% |
| Mortgage Denial Rate | 0.0% | 13.5% |
| Eviction Rate | 0.0% | 3.6% |
House Price Index (2000–2025)
FHFA All-Transactions HPI
Since 2019: +50.4%Since 2000: +142.9%
HUD Fair Market Rents (FY2026)
Section 8 voucher payment standards
Studio$874/mo
1 Bedroom$919/mo
2 Bedroom$1,206/mo
3 Bedroom$1,604/mo
4 Bedroom$1,873/mo
Zillow Market Data
Home Value (ZHVI)
$307K
1yr: +3.7%5yr: +36.5%
Rent (ZORI)
$1,206/mo
1yr: +1.5%5yr: +27.4%
Note: ZORI reflects current listing prices and may differ from the Census ACS median rent shown above, which captures what renters actually pay including below-market and subsidized units.
Redfin Market Activity
Median Sale Price
$284K
Active Inventory
21
Days on Market
152
Sold Above List
0.0%
Price Drops
4.8%