Home values and rents: available snapshot
Only one observation is stored for St. Cloud, MN. A historical trend cannot be calculated from this snapshot.
- Typical home value (ZHVI)
- $318,864
- Source period: 2026-05-31
- Monthly rent index (ZORI)
- $1,248
- Source period: 2026-05-31
Stored snapshot: 2026-06-29. Source dates describe the underlying observations, not today’s market.
Quick Investment Calculator
Purchase
Monthly Cash Flow
* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.
Score Breakdown
Based on 4.70% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.
Based on 3.0% YoY price growth. Moderate growth (3-8%) scores highest.
Based on 0.0% population growth. Growing areas indicate economic stability.
Based on price relative to estimated local incomes.
Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.
Investment Outlook
Strengths
- +Low unemployment (0.0%)
Challenges
- -Below-average rent-to-price ratio (4.70%)
- -Negative cash flow at typical financing (-$860/mo)
- -Negative leverage (cap rate 3.1% < mortgage rate 6.9%)
Counties in St. Cloud, MN
Section 8 in St. Cloud, MN: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.
Compare to Similar Metros
| Metro Area | Verdict | ||||||
|---|---|---|---|---|---|---|---|
Huron, SD Huron, SD | 77 | $192,112 | Est. | Strong Buy | View | ||
Galesburg, IL Galesburg, IL | 77 | $119,882 | $861 | 8.62% | Strong Buy | View | |
Fort Madison, IA Fort Madison, IA | 77 | $125,903 | Est. | Strong Buy | View | ||
Quincy, IL Quincy, IL | 77 | $187,232 | $1,197 | 7.67% | Strong Buy | View | |
Ponca City, OK Ponca City, OK | 77 | $114,874 | $806 | 8.42% | Strong Buy | View | |
Current St. Cloud, MN | 57 | $318,864 | $1,248 | 4.70% | Hold |
Rent vs buy in this metro
The Bottom Line
The St. Cloud, MN metro area scores 57/100, ranking #588 of 894 US metros (top 66%). The 4.70% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.