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Saint Cloud, Minnesota

Realtor Sep 2026 · ACS 2024

Market Read

A tight-supply market with no rental pool to price against. Demand is visible here; the rent math is not.

Demand outpaces supply. Hotness 69/100, supply score 79, homes go under contract 17.7% faster than the US median, at 74% of US prices. See the sale evidence ↓
Tenant economics are strong. Median household income $67K, +2.6% YoY (ZIP); renters hold 46.8% of ZIP households. See the people evidence ↓

What would change this read: the median listing price is +3.2% YoY. inventory, +10.9% YoY, is the number to watch.

Gross Rental Yield

–

1% rule implies 12%/yr

Rent-to-Price

–

1% rule benchmark: 1.00%/mo

Gross Rent Multiplier

–

Price ÷ annual gross rent

Asking vs Voucher

–

No bedroom size has both a rent sample and a published FMR

Computed from this page's data: median listing $315,762 (Realtor). The listing and rental pools are separate samples, not the same homes priced two ways, so the ratios describe the market rather than any one property. Ratios with reasons, not a recommendation to buy.

8 ZIPs in this city:56301 56302 56303 56304 56388 56393 56395 56399

Market Hotness

69 / 100Realtor.com competitiveness composite

national · lower = hotter

0–100 · supply + demand

higher = tighter supply

higher = stronger demand

−17.7%

homes sell faster here

74%

of national median · below avg

Median Listing Price

$316K

Population

78,880

30,927

Median Days on Market

Active Listings

252

New Listings

Housing Market

The median listing price is up 3.2% YoY while the median home got up 0.7% bigger, so value per square foot is up 1.8%.

Pricing

Median Listing Price

$316K+3.2% YoY

Average Listing Price

$349K+2.7% YoY

Price per Sq Ft

$149.849+1.8% YoY

Median Sq Ft

2,038+0.7% YoY

Inventory

Active Listings

252+33.3% YoY

New Listings

96-7.7% YoY

Total Listings

346+10.9% YoY

Buyer Competition

Pending Listings

97-19.2% YoY

Pending Ratio

0.38-39.7% YoY

Median Days on Market

43+3.6% YoY

Price Reduced

24.6%-0.7% YoY

Units & Occupancy

2024 Occupancy ⓘ

U.S. Census ACS · n = 66,625

67Kunits

Occupied61,40392.2%

Vacant5,2227.8%

2024 Tenure ⓘ

U.S. Census ACS · n = 61,403

61Koccupied

Owner41,66367.9%

Renter19,74032.1%

Renter Share

32.1%-0.1% YoY

Total Housing Units

66,625+0.6% YoY

FY2026 Fair Market Rent

CountyStearns County · HUD 40th-percentile estimate, not actual market asking rent

Studio

$874

/month

1 BR

$919

/month

2 BR

$1,206

/month

3 BR

$1,604

/month

4 BR

$1,873

/month

FMR trends · Stearns County

HUD Fair Market Rents · FY1983–FY2026

ZIP Profile

U.S. Census ACS characteristics rolled up across the ZIP Code Tabulation Areas in this area, not the parent county.

Renters hold 46.8% of this ZIP's 30,927 occupied households, on a median household income of $67K.

Population & Age

Total Population

78,880+0.9% YoY

2024 Age Mix ⓘ

U.S. Census ACS · n = 78,880

79Kresidents

Under 1817,48222.2%

Adults 18–6450,55664.1%

65 & Over10,84213.7%

Age Composition Over Time

U.S. Census ACS · 2019–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Median Age

31.35-1.5% YoY

Population Under 18

17,482+2.6% YoY

Population 65 & Over

10,842-2.0% YoY

Households & Mobility

Total Households

30,927+0.4% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.39+0.4% YoY

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house78.8%

Moved (within US)20.8%

Other0.4%

Veterans

5.7%-8.0% YoY

Income & Poverty

Median Household Income

$67K+2.6% YoY

Per-Capita Income

$34K-0.4% YoY

Mean Household Income

$84K-0.4% YoY

Below Poverty Level

18.3%+6.7% YoY

Commuting

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone73.3%

Public transit1.8%

Worked from home8.5%

Other16.4%

Worked From Home

8.5%+9.7% YoY

Mean Commute

20.49-2.0% YoY

Units & Tenure

Total Housing Units

33,102+0.9% YoY

2024 Occupancy ⓘ

U.S. Census ACS · n = 33,102

33Kunits

Occupied30,92793.4%

Vacant2,1756.6%

2024 Tenure ⓘ

U.S. Census ACS · n = 30,927

31Khouseholds

Owner16,45053.2%

Renter14,47746.8%

Avg Household Size — Owner

2.51-1.3% YoY

Avg Household Size — Renter

2.26+2.8% YoY

County Demographics

County population is up 0.9% to 160,865: residents under 18 are up 1.2% and those 65 and over are up 3.0%.

Median Age

35.12024

Population

Stearns County Population

163,997+1.2% YoY

Households

Total Households

61,403+0.8% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.50+0.4% YoY

Age

2024 Age Mix ⓘ

U.S. Census ACS · n = 160,865

161Kresidents

Under 1838,01123.6%

Adults 18–6496,98360.3%

65 & Over25,87116.1%

Age Composition Over Time

U.S. Census ACS · 2017–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Population Under 18

38,011+1.2% YoY

Population 65 & Over

25,871+3.0% YoY

Median Age

35.10+0.3% YoY

Mobility & Veterans

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house85.7%

Moved (within US)14.0%

Other0.3%

Veterans

6.3%-4.5% YoY

County Economy

County median household income is $77K, 12.9% of residents are below the poverty level, 10.6% work from home.

Income

Median Household Income

$77K+0.8% YoY

Per-Capita Income

$38K+1.3% YoY

Mean Household Income

$98K+1.0% YoY

Poverty

Below Poverty Level

12.9%+5.7% YoY

Transportation to Work

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone74.7%

Public transit1.3%

Worked from home10.6%

Other13.4%

Worked From Home

10.6%+14.0% YoY

Mean Commute

21.70-1.8% YoY

Done with Saint Cloud? Put it next to another market.

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Saint Cloud, Minnesota

Realtor Sep 2026 · ACS 2024

Market Read

A tight-supply market with no rental pool to price against. Demand is visible here; the rent math is not.

Demand outpaces supply. Hotness 69/100, supply score 79, homes go under contract 17.7% faster than the US median, at 74% of US prices. See the sale evidence ↓
Tenant economics are strong. Median household income $67K, +2.6% YoY (ZIP); renters hold 46.8% of ZIP households. See the people evidence ↓

What would change this read: the median listing price is +3.2% YoY. inventory, +10.9% YoY, is the number to watch.

Gross Rental Yield

–

1% rule implies 12%/yr

Rent-to-Price

–

1% rule benchmark: 1.00%/mo

Gross Rent Multiplier

–

Price ÷ annual gross rent

Asking vs Voucher

–

No bedroom size has both a rent sample and a published FMR

8 ZIPs in this city:56301 56302 56303 56304 56388 56393 56395 56399

Market Hotness

69 / 100Realtor.com competitiveness composite

national · lower = hotter

0–100 · supply + demand

higher = tighter supply

higher = stronger demand

−17.7%

homes sell faster here

74%

of national median · below avg

Median Listing Price

$316K

Population

78,880

30,927

Median Days on Market

Active Listings

252

New Listings

Housing Market

The median listing price is up 3.2% YoY while the median home got up 0.7% bigger, so value per square foot is up 1.8%.

Pricing

Median Listing Price

$316K+3.2% YoY

Average Listing Price

$349K+2.7% YoY

Price per Sq Ft

$149.849+1.8% YoY

Median Sq Ft

2,038+0.7% YoY

Inventory

Active Listings

252+33.3% YoY

New Listings

96-7.7% YoY

Total Listings

346+10.9% YoY

Buyer Competition

Pending Listings

97-19.2% YoY

Pending Ratio

0.38-39.7% YoY

Median Days on Market

43+3.6% YoY

Price Reduced

24.6%-0.7% YoY

Units & Occupancy

2024 Occupancy ⓘ

U.S. Census ACS · n = 66,625

67Kunits

Occupied61,40392.2%

Vacant5,2227.8%

2024 Tenure ⓘ

U.S. Census ACS · n = 61,403

61Koccupied

Owner41,66367.9%

Renter19,74032.1%

Renter Share

32.1%-0.1% YoY

Total Housing Units

66,625+0.6% YoY

FY2026 Fair Market Rent

CountyStearns County · HUD 40th-percentile estimate, not actual market asking rent

Studio

$874

/month

1 BR

$919

/month

2 BR

$1,206

/month

3 BR

$1,604

/month

4 BR

$1,873

/month

FMR trends · Stearns County

HUD Fair Market Rents · FY1983–FY2026

ZIP Profile

U.S. Census ACS characteristics rolled up across the ZIP Code Tabulation Areas in this area, not the parent county.

Renters hold 46.8% of this ZIP's 30,927 occupied households, on a median household income of $67K.

Population & Age

Total Population

78,880+0.9% YoY

2024 Age Mix ⓘ

U.S. Census ACS · n = 78,880

79Kresidents

Under 1817,48222.2%

Adults 18–6450,55664.1%

65 & Over10,84213.7%

Age Composition Over Time

U.S. Census ACS · 2019–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Median Age

31.35-1.5% YoY

Population Under 18

17,482+2.6% YoY

Population 65 & Over

10,842-2.0% YoY

Households & Mobility

Total Households

30,927+0.4% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.39+0.4% YoY

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house78.8%

Moved (within US)20.8%

Other0.4%

Veterans

5.7%-8.0% YoY

Income & Poverty

Median Household Income

$67K+2.6% YoY

Per-Capita Income

$34K-0.4% YoY

Mean Household Income

$84K-0.4% YoY

Below Poverty Level

18.3%+6.7% YoY

Commuting

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone73.3%

Public transit1.8%

Worked from home8.5%

Other16.4%

Worked From Home

8.5%+9.7% YoY

Mean Commute

20.49-2.0% YoY

Units & Tenure

Total Housing Units

33,102+0.9% YoY

2024 Occupancy ⓘ

U.S. Census ACS · n = 33,102

33Kunits

Occupied30,92793.4%

Vacant2,1756.6%

2024 Tenure ⓘ

U.S. Census ACS · n = 30,927

31Khouseholds

Owner16,45053.2%

Renter14,47746.8%

Avg Household Size — Owner

2.51-1.3% YoY

Avg Household Size — Renter

2.26+2.8% YoY

County Demographics

County population is up 0.9% to 160,865: residents under 18 are up 1.2% and those 65 and over are up 3.0%.

Median Age

35.12024

Population

Stearns County Population

163,997+1.2% YoY

Households

Total Households

61,403+0.8% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.50+0.4% YoY

Age

2024 Age Mix ⓘ

U.S. Census ACS · n = 160,865

161Kresidents

Under 1838,01123.6%

Adults 18–6496,98360.3%

65 & Over25,87116.1%

Age Composition Over Time

U.S. Census ACS · 2017–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Population Under 18

38,011+1.2% YoY

Population 65 & Over

25,871+3.0% YoY

Median Age

35.10+0.3% YoY

Mobility & Veterans

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house85.7%

Moved (within US)14.0%

Other0.3%

Veterans

6.3%-4.5% YoY

County Economy

County median household income is $77K, 12.9% of residents are below the poverty level, 10.6% work from home.

Income

Median Household Income

$77K+0.8% YoY

Per-Capita Income

$38K+1.3% YoY

Mean Household Income

$98K+1.0% YoY

Poverty

Below Poverty Level

12.9%+5.7% YoY

Transportation to Work

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone74.7%

Public transit1.3%

Worked from home10.6%

Other13.4%

Worked From Home

10.6%+14.0% YoY

Mean Commute

21.70-1.8% YoY

Done with Saint Cloud? Put it next to another market.