Sep 2026
$317K
+6.7% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
St. Cloud, MN housing market
St. Cloud, MN metro median sale price $317K in Sep 2026, up 6.7% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the St. Cloud, MN metro is $317K as of Sep 2026, up 6.7% from a year earlier. The gain is larger than in most of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 3.2% through Q2 2026, 3.5 points apart; Price reconciliation below shows both.
On median sale price, St. Cloud ($317K) ranks 4th of the five Minnesota metros Pecan Street tracks, between Mankato ($318K) and Duluth ($273K). On median days on market, St. Cloud (49 days) ranks 4th of the five Minnesota metros, between Mankato (56 days) and Minneapolis (42 days). On share of listings with a price cut, St. Cloud (42%) ranks 2nd of the five Minnesota metros, between Mankato (42%) and Minneapolis (41%).
Listings spent a median 49 days on market in Sep 2026, fewer than in most of the 385 metros. 42% of active listings carry a price cut, 7.8 points fewer than a year earlier. That share is higher than in most of the 385 metros. Median asking prices sit about 6% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,739 a month; at 28% of gross income, that takes about $75K a year. The median sale price equals about 16 years of HUD Fair Market Rent, a ratio up 3.3% from a year earlier. Active listings ask a median $170 per square foot, up 2.2% from a year earlier.
In four of the six ZIP codes in the table below, median list prices are higher than a year earlier; two are lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,739/mo
$75K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How St. Cloud compares to other U.S. metros
| Home-price growth | ↑56th of 383 (top 15%) |
|---|---|
| Days on market | ↓281st of 385 |
| Price cuts | ↑115th of 385 (top 30%) |
| Price-to-rent | 155th of 373 (top 42%) |
| Asking-vs-sale gap | 150th of 292 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 16 +3.3% YoY 155th of 373 (top 42%) |
|---|---|
| Asking price / sq ft | $170 +2.2% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 42% -7.8 pts YoY ↑115th of 385 (top 30%) |
|---|
The median asking price $337K runs about 6% above the median sale price $317K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 6 shown of 27 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 3.5ppRedfin (metro) +6.7% | FHFA HPI · Q2 2026 +3.2% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 56301 | $360K↑ | 110↑ | 42↑ | 56↑ | 44↑ | $309K↑ |
| 56303 | $270K↑ | 91↑ | 34↑ | 42↓ | 40↓ | $239K↑ |
| 56362 | $340K↑ | 27↑ | 8↑ | 18↑ | 84↑ | $321K↑ |
| 56374 | $362K↑ | 35↑ | 8↓ | 14↑ | 43↑ | $332K↑ |
| 56377 | $415K↓ | 67↑ | 20↓ | 22↓ | 55↑ | $338K↑ |
| 56379 | $328K↓ | 56↑ | 24↑ | 28↑ | 44↓ | $305K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.