Most Affordable ZIP Codes in St. Cloud, MN (2026)

The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.

# ZIP City Home value Rent Cap rate 5-yr growth
1 56335 Greenwald, MN $207,880 $1,071 4.02% 6.2%
2 56356 New Munich, MN $219,133 $1,017 3.62% 5.4%
3 56303 Saint Cloud, MN $242,541 $1,064 3.42% 5.4%
4 56387 Waite Park, MN $252,558 $1,228 3.79% 5.0%
5 56369 Rockville, MN $264,393 $936 2.76% 4.6%
6 56316 Brooten, MN $268,491 $1,089 3.16% 3.9%
7 55329 Eden Valley, MN $290,964 $936 2.51% 4.1%
8 56379 Sauk Rapids, MN $304,466 $1,133 2.90% 5.3%
9 56301 Saint Cloud, MN $312,414 $1,297 3.24% 4.6%
10 56378 Sauk Centre, MN $322,863 $936 2.26% 5.0%
11 55389 Watkins, MN $329,863 $936 2.21% 5.2%
12 56374 Saint Joseph, MN $337,239 $2,008 4.65% 5.1%
13 56377 Sartell, MN $340,940 $1,527 3.49% 4.3%
14 56367 Rice, MN $353,738 $1,134 2.50% 4.9%
15 56340 Holdingford, MN $359,297 $1,098 2.38% 6.2%
16 56368 Richmond, MN $370,635 $936 1.97% 4.5%
17 56320 Cold Spring, MN $373,772 $1,224 2.55% 4.5%
18 56310 Avon, MN $382,188 $936 1.91% 5.0%
19 56331 Freeport, MN $382,683 $954 1.94% 5.3%
20 56357 Oak Park, MN $409,905 $1,143 2.17% 5.1%
21 55382 South Haven, MN $414,163 $1,431 2.70% 4.2%

Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →

Same metro, different strategy

Cash Flow in St. Cloud, MN  ·  Appreciation in St. Cloud, MN

Or see the full St. Cloud, MN metro profile.