Investor-grade market analytics for St. Cloud, Minnesota. Data from Zillow ZHVI, FRED, Census ACS, and FEMA NRI. Data through August 2026.
$311,652
+2.6% year-over-year
4.8%
gross annual
+2.6%
base case (Zillow ZHVF)
+2.6% year-over-year
38/100
LowNet migration: Bottom 8% nationally
In-migrants avg $53,359 AGI vs out-migrants $63,741
Opportunity Zone Market
2 ZIP codes in St. Cloud are designated Qualified Opportunity Zones (IRC 1400Z-2), eligible for capital gains tax deferral on qualifying investments. Learn more →
St. Cloud, MN shows steady growth at 2.6% year-over-year appreciation, reflecting balanced market conditions with moderate demand. Affordability remains favorable with a price-to-income ratio of 4.12x, below the national average of 4.8x. Climate risk remains low (38/100), favorable for long-term investment stability. Rental yield of 4.81% is moderate, offering acceptable cash flow for leveraged investments.
12-month projection (Zillow ZHVF model)
St. Cloud, MN's primary climate exposure is tornadoes (60/100). The composite climate risk score of 38/100 (Low) indicates overall risk reflecting favorable conditions for long-term real estate investment. This market benefits from relatively low natural hazard exposure compared to coastal and wildfire-prone regions.
Source: FEMA National Risk Index
Migration flows, ZIP-level neighborhood data, full demographics, price history, and the Market Screener.