Real Estate Investing in Sartell, Minnesota (56377)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Stearns County • Population: 21,008 • Data updated: September 2026

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Should you buy in 56377 (Sartell, MN)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Sartell, MN (56377)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $340,940
Avg Monthly Rent $1,527
1% Rule ✗ Does Not Meet
Median Income $78,698
% Renters 38.6%

Market Analysis: 56377 Sartell

The 56377 ZIP covers a section of Sartell that demands careful diligence. Prices near $341K look accessible, but the work to make a deal cash flow is real.

The 56377 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Within MN, ZIP 56377 trails on several market indicators that neighboring Stearns County submarkets outperform. The gap is real and resilient enough to shape underwriting.

The demographic picture in 56377 includes headwinds that any investor should price in. Income distribution skews lower than Sartell averages, and tenant stability requires active management.

Distressed ZIPs reward experience. resilient returns are possible in 56377, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Sartell:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Stable (+2.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,527/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
St. Cloud, MN Metro Area
More inventory, negotiating room for buyers
46 days
Average time to sell
Average
10.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from St. Cloud, MN metro data
🏠

Property Strategy for 56377

Which property type performs best in this market?

Best for Cash Flow
3BR
4.5% cap rate
Best for Appreciation
3BR
+6.6% 5yr CAGR
Best Overall Value
4BR
$88,138/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $267,151 $1,390 3.7% +6.2% $133,576
3BR $298,204 $1,850 4.5% +6.6% $99,401
4BR $352,551 $2,160 4.4% +6.4% $88,138
5BR $491,027 +6.6% $98,205

Market Trends

Home Value History (with trend line)

$367K$320K$273K$226K$179K$132KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,546$1,505$1,463$1,422$1,381$1,340Jan 2025Oct 2025Jul 2026

📊 How Does 56377 Compare?

Metric 56377 Sartell St. Cloud, MN Minnesota
Home Value $340,940 $340,940 N/A $340,597
5-Year CAGR 4.3% 4.3% N/A 4.9%
Avg Rent $1,527 $1,527 N/A -
Cap Rate 3.5% 3.5% - -
💡 Why Invest in 56377? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 39% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 56377 (Sartell, MN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+4.3%
Moderate

📉 Market Crash Risk Index

Based on St. Cloud, MN metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
42%
Days Pending
1/2
46 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $340,940
Monthly Rent $1,527
Price-to-Rent 18.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.4%
Cap Rate 3.5%
5-Year IRR 7.8%

📈 Home Appreciation

1-Year +2.3% ▲
3-Year CAGR +2.8% ▲
5-Year CAGR +4.3% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year +8.4% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
2.4%
Low risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+4.3%
Stable
Eviction process: Slow Rent control: Moderate

Demographics in 56377

Population: 21,008

💰 Median Household Income
$78,698
This area
$78,698
State
$77,168
USA
$74,580
🏠 Renter Occupied
38.6%
This area
38.6%
State
18.9%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-3.2%
USA
3.7%
🎓 College Educated
37.7%
This area
37.7%
State
20.0%
USA
33.7%
👤 Median Age
34.1 years
This area
34.1 years
State
37.2 years
USA
38.9 years
🏚️ Vacancy Rate
2.4%
This area
2.4%
State
17.0%
USA
10.5%
👥 Population by Ethnicity
White 91.4%
Other/Mixed 5.1%
Asian 2.0%
Black/African American 1.5%
Hispanic/Latino 0.5%
👶 Under 18
28.6%
This area
28.6%
USA
22.0%
👴 65 and Over
13.4%
This area
13.4%
USA
17.3%
📊 Poverty Rate
3.4%
This area
3.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 56377

B Avg School Grade
9 Schools
12.2:1 Avg Class Size
$14,505 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Oak Ridge Early Learning Center

📚 Pre-K – K Elementary
👥
306 Students
👨‍🏫
11.7:1 Class Size
💰
$13,346 Per Student
B Good

Pine Meadow Primary School

📚 01 – 02 Elementary
👥
534 Students
👨‍🏫
15.3:1 Class Size
💰
$13,346 Per Student
B Good

Riverview Intermediate School

📚 03 – 05 Elementary
👥
915 Students
👨‍🏫
16.0:1 Class Size
💰
$13,346 Per Student
B Good

SARTELL MIDDLE

📚 06 – 08 Middle
👥
976 Students
👨‍🏫
16.5:1 Class Size
💰
$13,346 Per Student
B Good

SARTELL SENIOR HIGH

📚 09 – 12 High School
👥
1,315 Students
👨‍🏫
16.3:1 Class Size
💰
$13,346 Per Student
C+ Average

Benton-Stearns Education - ASD

📚 K – 12 K-12
👥
12 Students
👨‍🏫
6.0:1 Class Size
C+ Average

Benton-Stearns Education Pioneers

📚 K – 06 School
👥
11 Students
👨‍🏫
3.3:1 Class Size
C+ Average

Benton-Stearns Ed District EC

📚 Grade PK Elementary
👥
93 Students
👨‍🏫
12.4:1 Class Size
C+ Average

ALC - Sartell

📚 09 – 12 High School Limited Data
👥
1 Students
💰
$20,297 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

6 Nearby 2,927 Off-Campus Students
C
St Cloud Technical and Community College
3,565 students · 5.0 mi
C+
Rasmussen University-Minnesota
8,823 students · 6.5 mi
C
Model College of Hair Design
108 students · 6.7 mi
C+
College of Saint Benedict
1,451 students · 7.0 mi
C+
Saint Cloud State University
10,514 students · 7.1 mi
C+
Saint Johns University
1,624 students · 8.9 mi

Investor Insight: With 2,927 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What price range are homes in Sartell, MN?

In Sartell, MN the median home value sits at $341K. Against the broader MN market, that reads as reasonable for most investors.

How much rent can I charge in Sartell, MN?

Rental rates in Sartell, MN average $1,527/mo. Tenant demand and $341K home values make the yield look reasonable by investor standards.

What kind of tenants rent in Sartell, MN?

Tenant demand in Sartell, MN is solid. The local workforce $1,527/mo rents across most rental classes.

Is Sartell, MN a friendly market for rental owners?

Sartell, MN operates under MN law, which is balanced overall for landlords. Expect consistent treatment in typical lease and eviction cases.

Can owner-occupants cash flow in Sartell, MN?

House hacking in Sartell, MN is a challenging. With home values around $341K and rents at $1,527/mo, owner-occupants can offset a meaningful share of PITI.

You know 56377 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 56377 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 56377 ranks in St. Cloud, MN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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