St. Cloud, MN Metro Area - Investment Guide
Metro Area • 20 Cities • 21 ZIP Codes
Avg Home Value
$320,958
Avg Monthly Rent
$1,144
Avg Cap Rate
2.86%
Avg Investability
3.0 ★
Cities
20
ZIP Codes
21
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
7.28%
as of Oct 1
Source: Freddie Mac PMMS
❄️
COOL MARKET
St. Cloud, MN Metro Area
More inventory, negotiating room for buyers
51 days
Average time to sell
Average
11.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of September 19, 2026 — updated weekly
Best ZIP codes in St. Cloud, MN
Every ZIP in the metro, ranked four ways. Free.
Cities in St. Cloud, MN
Avon
Minnesota
1 ZIPs
Brooten
Minnesota
1 ZIPs
Cold Spring
Minnesota
1 ZIPs
Eden Valley
Minnesota
1 ZIPs
Freeport
Minnesota
1 ZIPs
Greenwald
Minnesota
1 ZIPs
Holdingford
Minnesota
1 ZIPs
New Munich
Minnesota
1 ZIPs
Oak Park
Minnesota
1 ZIPs
Rice
Minnesota
1 ZIPs
Richmond
Minnesota
1 ZIPs
Rockville
Minnesota
1 ZIPs
Saint Cloud
Minnesota
3 ZIPs
Saint Joseph
Minnesota
1 ZIPs
Sartell
Minnesota
1 ZIPs
Sauk Centre
Minnesota
1 ZIPs
Sauk Rapids
Minnesota
1 ZIPs
South Haven
Minnesota
1 ZIPs
Waite Park
Minnesota
1 ZIPs
Watkins
Minnesota
1 ZIPs
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 56320 | Cold Spring | MN | $373,772 | $1,224 | 2.55% | |
| 56357 | Oak Park | MN | $396,494 | $1,143 | 2.25% | |
| 56301 | Saint Cloud | MN | $305,613 | $1,262 | 3.22% | |
| 56377 | Sartell | MN | $336,077 | $1,417 | 3.29% | |
| 56303 | Saint Cloud | MN | $233,990 | $948 | 3.16% | |
| 56378 | Sauk Centre | MN | $316,812 | $936 | 2.30% | |
| 56331 | Freeport | MN | $382,683 | $954 | 1.94% | |
| 56367 | Rice | MN | $349,656 | $1,134 | 2.53% | |
| 55329 | Eden Valley | MN | $299,804 | $936 | 2.44% | |
| 56368 | Richmond | MN | $367,990 | $936 | 1.98% | |
| 56310 | Avon | MN | $374,444 | $936 | 1.95% | |
| 56379 | Sauk Rapids | MN | $295,254 | $1,368 | 3.61% | |
| 56335 | Greenwald | MN | $207,880 | $1,071 | 4.02% | |
| 55382 | South Haven | MN | $422,686 | $1,431 | 2.64% | |
| 56369 | Rockville | MN | $262,185 | $936 | 2.78% | |
| 56316 | Brooten | MN | $257,451 | $1,089 | 3.30% | |
| 56387 | Waite Park | MN | $247,395 | $1,125 | 3.55% | |
| 56340 | Holdingford | MN | $359,297 | $1,098 | 2.38% | |
| 56356 | New Munich | MN | $219,133 | $1,017 | 3.62% | |
| 55389 | Watkins | MN | $326,554 | $936 | 2.24% | |
| 56374 | Saint Joseph | MN | $340,212 | $2,008 | 4.60% | |
| 56320 | Cold Spring | MN | $365,648 | $1,224 | 2.61% | |
| 56331 | Freeport | MN | $369,395 | $954 | 2.01% | |
| 56357 | Oak Park | MN | $409,905 | $1,143 | 2.17% | |
| 56301 | Saint Cloud | MN | $320,221 | $1,305 | 3.18% | |
| 56377 | Sartell | MN | $345,414 | $1,383 | 3.12% | |
| 56303 | Saint Cloud | MN | $243,483 | $1,052 | 3.37% | |
| 56378 | Sauk Centre | MN | $324,596 | $936 | 2.25% | |
| 56335 | Greenwald | MN | $192,595 | $1,071 | 4.34% | |
| 55329 | Eden Valley | MN | $280,788 | $936 | 2.60% | |
| 56367 | Rice | MN | $353,738 | $1,134 | 2.50% | |
| 55382 | South Haven | MN | $399,568 | $1,431 | 2.79% | |
| 56368 | Richmond | MN | $370,635 | $936 | 1.97% | |
| 56310 | Avon | MN | $397,556 | $936 | 1.84% | |
| 56379 | Sauk Rapids | MN | $300,671 | $1,368 | 3.55% | |
| 56340 | Holdingford | MN | $343,021 | $1,098 | 2.50% | |
| 56356 | New Munich | MN | $199,093 | $1,017 | 3.98% | |
| 55389 | Watkins | MN | $304,499 | $936 | 2.40% | |
| 56369 | Rockville | MN | $264,393 | $936 | 2.76% | |
| 56316 | Brooten | MN | $272,643 | $1,089 | 3.12% | |
| 56387 | Waite Park | MN | $254,038 | $1,209 | 3.71% | |
| 56320 | Cold Spring | MN | $386,164 | $1,224 | 2.47% | |
| 56357 | Oak Park | MN | $384,263 | $1,143 | 2.32% | |
| 56301 | Saint Cloud | MN | $307,019 | $1,289 | 3.27% | |
| 56374 | Saint Joseph | MN | $337,239 | $2,008 | 4.65% | |
| 56303 | Saint Cloud | MN | $235,655 | $1,341 | 4.44% | |
| 56377 | Sartell | MN | $340,940 | $1,527 | 3.49% | |
| 56331 | Freeport | MN | $391,275 | $954 | 1.90% | |
| 56367 | Rice | MN | $342,078 | $1,134 | 2.59% | |
| 56310 | Avon | MN | $381,308 | $936 | 1.91% |
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About St. Cloud, MN Real Estate Market
The St. Cloud, MN metropolitan statistical area (MSA) encompasses 20 cities and 21 ZIP codes. The average home value across the metro is $320,958, with an average monthly rent of $1,144. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.