Safe Rate Local
Learn about the people, housing, costs and businesses in St. Cloud
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in St. Cloud.
True all-in cost — P&I, taxes, insurance & utilities for homes in St. Cloud.
Find and compare lenders active near St. Cloud.
FEMA flood zones and flood insurance estimates for St. Cloud.
Seismic risk and earthquake insurance estimates for St. Cloud.
Wildfire exposure and insurance estimates for St. Cloud.
Mortgage rates for St. Cloud are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for St. CloudThe median home value in St. Cloud is $280k. The median monthly rent is $1,082. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in St. Cloud have increased 11.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,196/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $51k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in St. Cloud is $79k/year.
Calculate your buying powerThe largest employment sectors in St. Cloud are public administration (29%) and retail (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.