Rental numbers for Stearns County, MN
The typical home here runs -$1,283 a month at 7.78% with 25% down. 0 of 4 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 5.3%.
- Gross yield
- 4.9%
- typical home, Zillow
- Median ZIP yield
- 5.3%
- 4 ZIPs with full data
- Cash flow
- -$1,283/mo
- at 7.78%, 25% down
- Typical price
- $311,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,273/mo
- Zillow ZORI, Aug 2026
ZIP codes in Stearns County
19 with published figures
| 56387Waite Park | $251,000 | $1,174 | 5.6% | 1.7% | -$999 | n/a |
| 56377Sartell | $337,000 | $1,530 | 5.5% | 1.9% | -$1,284 | n/a |
| 56301Saint Cloud | $309,000 | $1,314 | 5.1% | 1.7% | -$1,221 | +3.8% |
| 56303Saint Cloud | $240,000 | $1,017 | 5.1% | 1.4% | -$1,006 | n/a |
| 56352Freeport | $295,000 | $1,190* | 4.8% | 1.5% | -$1,222 | n/a |
| 56369Rockville | $262,000 | $1,040* | 4.8% | 1.3% | -$1,129 | n/a |
| 55382South Haven | $409,000 | $1,590* | 4.7% | 1.7% | -$1,621 | n/a |
| 56374Saint Joseph | $334,000 | $1,290* | 4.6% | 1.4% | -$1,398 | n/a |
| 56320Cold Spring | $367,000 | $1,360* | 4.4% | 1.3% | -$1,579 | n/a |
| 56375Saint Stephen | $301,000 | $1,040* | 4.2% | 0.8% | -$1,416 | n/a |
| 56340Holdingford | $354,000 | $1,220* | 4.1% | 1.1% | -$1,594 | n/a |
| 56362New London | $324,000 | $1,110* | 4.1% | 1.0% | -$1,485 | n/a |
| 56378Sauk Centre | $317,000 | $1,040* | 3.9% | 0.6% | -$1,559 | n/a |
| 56312Brooten | $331,000 | $1,040* | 3.8% | 0.7% | -$1,582 | n/a |
| 56307Albany | $352,000 | $1,040* | 3.5% | 0.4% | -$1,775 | n/a |
| 55353Saint Augusta | $356,000 | $1,040* | 3.5% | 0.5% | -$1,753 | n/a |
| 56368Richmond | $366,000 | $1,040* | 3.4% | 0.4% | -$1,852 | n/a |
| 56331Freeport | $375,000 | $1,060* | 3.4% | 0.4% | -$1,914 | n/a |
| 56310Avon | $378,000 | $1,040* | 3.3% | 0.2% | -$1,959 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- +2.6%
- Rent, 12 months
- +5.4%
- Rent minus price growth
- +2.8 pts
- Property tax
- 1.00%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $250,378 | $1,004 |
| Aug 2022 | $277,319 | $1,119 |
| Aug 2023 | $281,517 | $1,152 |
| Aug 2024 | $290,173 | $1,181 |
| Aug 2025 | $303,520 | $1,208 |
| Aug 2026 | $311,300 | $1,273 |
HUD Fair Market Rent
FY2027, St. Cloud, MN MSA
| Bedrooms | Studio | 1 bed | 2 bed | 3 bed | 4 bed |
|---|---|---|---|---|---|
| Fair Market Rent | $884 | $961 | $1,233 | $1,656 | $1,961 |
The 40th percentile gross rent for a standard unit, set by HUD each October and used for Section 8 payment standards. It runs below market rent; Zillow's index is shown above where it exists.
Supply
- Permits per 1,000 households
- 8.1
- 500 units, last 12 months
- National percentile
- 64th
- among US counties
Tools
Test a listing in Stearns County against today's rate.
Open the calculatorPart of the St. Cloud, MN metro.
Questions
- Is Stearns County good for rental property?
- The typical home here runs -$1,283 a month at 7.78% with 25% down. 0 of 4 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 5.3%. The figures use a typical home, 7.78% with 25% down and default costs shown on each ZIP page. They describe the market, not any one property.
- What is the property tax rate in Stearns County?
- About 1.00% of value, from Census ACS median taxes paid over median home value. On a $311,000 home that is about $3,122 a year.
- What is Fair Market Rent in Stearns County?
- HUD's FY2027 Fair Market Rent here is $961 for a 1-bedroom, $1,233 for a 2-bedroom and $1,656 for a 3-bedroom. Typical cash flow at today's rate is -$1,283 a month.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- HUD Fair Market Rents by county, FY2027
US Department of Housing and Urban Development. Read: FY2027.
County rent by bedroom count on county pages.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
- Building Permits Survey, county monthly files
US Census Bureau. Read: 2025-09 to 2026-08.
New housing units permitted in the last 12 months per 1,000 households, a supply-pressure signal.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.