Rental numbers for the St. Cloud, MN metro
The typical home here runs -$1,287 a month at 7.78% with 25% down. 0 of 5 ZIP codes with full Zillow data in this metro are cash-flow positive; the median gross yield is 5.1%.
- Gross yield
- 4.8%
- typical home, Zillow
- Median ZIP yield
- 5.1%
- 5 ZIPs with full data
- Cash flow
- -$1,287/mo
- at 7.78%, 25% down
- Typical price
- $312,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,248/mo
- Zillow ZORI, Aug 2026
ZIP codes in the metro
26 with published figures
| 56387Waite Park | $251,000 | $1,174 | 5.6% | 1.7% | -$999 | n/a |
| 56316Brooten | $263,000 | $1,210* | 5.5% | 2.1% | -$961 | n/a |
| 56377Sartell | $337,000 | $1,530 | 5.5% | 1.9% | -$1,284 | n/a |
| 56329Hillman | $348,000 | $1,520* | 5.2% | 2.0% | -$1,304 | 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 |
| 55329Eden Valley | $288,000 | $1,040* | 4.3% | 0.9% | -$1,342 | n/a |
| 56367Rice | $350,000 | $1,260* | 4.3% | 1.2% | -$1,543 | n/a |
| 56375Saint Stephen | $301,000 | $1,040* | 4.2% | 0.8% | -$1,416 | n/a |
| 56379Sauk Rapids | $303,000 | $1,048 | 4.2% | 0.8% | -$1,430 | 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 |
| 55389Watkins | $325,000 | $1,040* | 3.8% | 0.7% | -$1,553 | n/a |
| 56312Brooten | $331,000 | $1,040* | 3.8% | 0.7% | -$1,582 | n/a |
| 56357Oak Park | $407,000 | $1,270* | 3.8% | 0.8% | -$1,907 | 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
- 0.92%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $249,743 | $985 |
| Aug 2022 | $277,306 | $1,094 |
| Aug 2023 | $281,601 | $1,127 |
| Aug 2024 | $291,009 | $1,161 |
| Aug 2025 | $303,764 | $1,184 |
| Aug 2026 | $311,652 | $1,248 |
Counties
- Meeker County, MNn/a median yield
- Stearns County, MN5.3% median yield
- Pope County, MNn/a median yield
- Benton County, MN4.2% median yield
Tools
Questions
- Is the St. Cloud, MN metro good for rental property?
- The typical home here runs -$1,287 a month at 7.78% with 25% down. 0 of 5 ZIP codes with full Zillow data in this metro are cash-flow positive; the median gross yield is 5.1%. Figures assume a typical home, 7.78% with 25% down and the default costs on the methodology page.
- Which ZIP codes in the St. Cloud, MN metro have the highest rental yield?
- 56387 (Waite Park) at 5.6%, 56377 (Sartell) at 5.5%, 56301 (Saint Cloud) at 5.1%, on Zillow value and rent. The full table above sorts by any column.
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.
- 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.
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.