Fastest-Appreciating ZIP Codes in St. Cloud, MN (2026)
Ranked by 5-year compound annual growth in home values. Fast growth and strong cash flow rarely appear in the same ZIP — this is the other side of that trade.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 56340 | Holdingford, MN | $359,297 | $1,098 | 2.38% | 6.2% |
| 2 | 56335 | Greenwald, MN | $207,880 | $1,071 | 4.02% | 6.2% |
| 3 | 56356 | New Munich, MN | $219,133 | $1,017 | 3.62% | 5.4% |
| 4 | 56303 | Saint Cloud, MN | $242,541 | $1,064 | 3.42% | 5.4% |
| 5 | 56331 | Freeport, MN | $382,683 | $954 | 1.94% | 5.3% |
| 6 | 56379 | Sauk Rapids, MN | $304,466 | $1,133 | 2.90% | 5.3% |
| 7 | 55389 | Watkins, MN | $329,863 | $936 | 2.21% | 5.2% |
| 8 | 56357 | Oak Park, MN | $409,905 | $1,143 | 2.17% | 5.1% |
| 9 | 56374 | Saint Joseph, MN | $337,239 | $2,008 | 4.65% | 5.1% |
| 10 | 56310 | Avon, MN | $382,188 | $936 | 1.91% | 5.0% |
| 11 | 56378 | Sauk Centre, MN | $322,863 | $936 | 2.26% | 5.0% |
| 12 | 56387 | Waite Park, MN | $252,558 | $1,228 | 3.79% | 5.0% |
| 13 | 56367 | Rice, MN | $353,738 | $1,134 | 2.50% | 4.9% |
| 14 | 56369 | Rockville, MN | $264,393 | $936 | 2.76% | 4.6% |
| 15 | 56301 | Saint Cloud, MN | $312,414 | $1,297 | 3.24% | 4.6% |
| 16 | 56320 | Cold Spring, MN | $373,772 | $1,224 | 2.55% | 4.5% |
| 17 | 56368 | Richmond, MN | $370,635 | $936 | 1.97% | 4.5% |
| 18 | 56377 | Sartell, MN | $340,940 | $1,527 | 3.49% | 4.3% |
| 19 | 55382 | South Haven, MN | $414,163 | $1,431 | 2.70% | 4.2% |
| 20 | 55329 | Eden Valley, MN | $290,964 | $936 | 2.51% | 4.1% |
| 21 | 56316 | Brooten, MN | $268,491 | $1,089 | 3.16% | 3.9% |
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 · Affordable in St. Cloud, MN
Or see the full St. Cloud, MN metro profile.