The story of this market
The typical home in St. Cloud, Minnesota sells for about $275,000, or $135 per square foot.
Prices are up +7.2% from a year ago, so sellers still have some momentum. Homes take about 35 days to sell. HUD's fair market rent for a two-bedroom is $1,018 a month.
Monthly price momentum
Home values since 2015
+1.5%
MN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
St. Cloud, Minnesota
The St. Cloud housing market shows steady demand with a median price of $275,000 and a balanced supply of 2.1 months. While household income remains below the state average, the city's role as a regional economic hub continues to support property values and market liquidity. Current conditions are driven by consistent local employment and a relatively affordable cost of living compared to the broader Minnesota market.
No ARED county foreclosure postings attributed to St. Cloud yet — the verified ledger covers every county the foreclosure ingest has read, attributed by published city area. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Median prices moved up 7.2% year over year.
Homes spend a median of 35 days on market with 2.1 months of supply — a fast-moving market.
27% of listings have cut prices · homes sell at 100% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 19.0% — a stable, low-distress profile.
- AirMaxx Trampoline Park & Warrior Course4.53.8 mi
- Skatin' Place4.63 mi
- Summerland Family Fun Park4.43.3 mi
- Chuck E. Cheese41.8 mi
- Riddlers Escape, LLC4.91.2 mi
- The Ledge Amphitheater4.73.8 mi
- Powder Ridge4.616.3 mi
- St. Cloud River’s Edge Convention Center4.40.4 mi
- Pebble Creek Golf Club4.517.7 mi
- Herb Brooks National Hockey Center4.61 mi
- Quarry Park and Nature Preserve4.74.1 mi
- Munsinger Gardens4.81 mi
- Marcus Parkwood Cinema4.43.6 mi
- AirMaxx Trampoline Park & Warrior Course4.53.8 mi
- Skatin' Place4.63 mi
- Paramount Center for the Arts4.80.1 mi
- Mr Nice Guys4.50.2 mi
- Cream City Tattoo4.70.3 mi
- Buddha Glass4.61.6 mi
- Quarry Park and Nature Preserve4.74.1 mi
- Munsinger Gardens4.81 mi
- Wilson Park4.51 mi
- Warner Lake County Park4.710 mi
- Riverside Regional Park4.71.3 mi
- BJ's Bait & Tackle4.516.9 mi
- Territory Golf Club4.65.6 mi
- Blackberry Ridge Golf Club4.48.2 mi
- Wapicada Golf Club4.44.9 mi
- Oak Hill Golf Club4.59.5 mi
- St. Cloud Country Club4.62.7 mi
- Crossroads Center4.12.2 mi
- Fleet Farm4.24.4 mi
- T.J. Maxx4.31.5 mi
- Kohl's4.12.7 mi
- Runnings4.41.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this city — what residents actually live with, and what the pipeline is adding.
Renowned botanical gardens located along the Mississippi River, offering scenic beauty and community events.
A premier golf facility providing high-quality recreational space and contributing to local property appeal.
A central natural feature providing extensive opportunities for recreation, including fishing, boating, and riverside trails.
St. Cloud is well-suited for families, students, and healthcare professionals seeking an affordable cost of living with access to regional amenities. It attracts those who value a mid-sized city environment with strong employment anchors and a central location in Minnesota.
The city is served primarily by St. Cloud Area School District 742, which provides a comprehensive range of public education options. School quality varies by neighborhood, with ongoing district efforts focused on improving student outcomes and addressing achievement gaps.
The city is served by major highway corridors including I-94 and US-10, facilitating regional connectivity. Local transit is supported by the St. Cloud Metro Bus system, which provides essential public transportation services.
St. Cloud offers an extensive park system, including the Munsinger and Clemens Gardens, and significant access to the Mississippi River for boating and fishing. The city features numerous trails, golf courses, and community centers that support a high quality of life for residents.
The rental market in St. Cloud is characterized by high demand driven by the local university and healthcare workforce, keeping vacancy rates relatively low. Rent growth has been moderate, with a mix of multi-family complexes and single-family rentals available throughout the city.
St. Cloud's economy is anchored by the healthcare sector, higher education, and manufacturing, providing a stable employment base. The city acts as a regional commercial hub, drawing workers and consumers from across Central Minnesota.
St. Cloud serves as a major economic and medical hub for Central Minnesota, anchored by significant healthcare and educational institutions. Development momentum is supported by ongoing infrastructure projects and a steady pipeline of commercial and residential growth.
Development efforts are focused on downtown revitalization and the expansion of residential housing stock to accommodate population growth. Infrastructure projects continue to prioritize road improvements and utility upgrades to support new construction.
Parcels in St. Cloud are subject to various special districts, including school districts and potential utility or watershed districts that manage local infrastructure and environmental resources.
St. Cloud experiences crime rates that are generally higher than the Minnesota state average, with property and violent crime trends often cited as areas of concern for local law enforcement. The city's crime profile is typical for a regional hub of its size, though it remains a focal point for community safety initiatives.
The city faces standard Midwestern climate risks, including severe thunderstorms, winter storms, and occasional flooding near the Mississippi River. Property insurance markets remain stable, though homeowners are encouraged to maintain adequate coverage for wind and water-related perils.
The property insurance market in St. Cloud is generally healthy, with premiums reflecting regional weather risks such as severe storms and winter conditions.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Minnesota) — Condominium Unit Taxation: Each unit constitutes a separate parcel for tax purposes. If a declaration is recorded at least 30 days before a tax installment is due, the taxing authority must split the taxes among the units. State (Minnesota) — Minnesota General Property Tax Classification System: Property tax is calculated by applying a class rate to the parcel's estimated market value to determine tax capacity, then multiplying by the local tax rate. For residential homesteads (Class 1a), the rate is 1.00% for the first $500,000 of market value and 1.
Researched annual trajectory for this city, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Data retrieved from Census Bureau ACS 5-year tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.