St. Cloud vs St. Paul
Side-by-side rent vs buy analysis comparing these two markets
Overall Comparison
St. Cloud has an edge
St. Cloud currently favors renting, with better rent-to-price dynamics.
Median Home PriceBETTER
$306,137.87
Median RentBETTER
$1,255.39/mo
Price-to-Rent Ratio
20.3
Property Tax RateTIE
1.13%
Price Change (1Y)BETTER
+4.0%
Price Change (5Y)BETTER
+20.2%
Break-Even YearsTIE
N/A
10-Year Wealth DifferenceBETTER
$145,696
Median Home Price
$326,548.05
Median Rent
$1,504.11/mo
Price-to-Rent RatioBETTER
18.1
Property Tax RateTIE
1.13%
Price Change (1Y)
+1.3%
Price Change (5Y)
+6.6%
Break-Even YearsTIE
N/A
10-Year Wealth Difference
$205,672
Key Differences
Home Prices
St. Cloud's median home price of $306,137.87 is lower than St. Paul's $326,548.05 by 6%.
Monthly Rent
Renting in St. Cloud costs $1,255.39/mo compared to $1,504.11/mo in St. Paul—a difference of $248.72/mo.
Buy vs Rent Verdict
Both cities currently favor renting.
Break-Even Timeline
Break-even analysis varies based on market conditions in each city.
Run Your Own Numbers
This comparison uses median values. Your income, savings, and goals matter. Use our Buy vs Rent calculator to get a personalized analysis.