City Report · MN

Saint Cloud

·61st most expensive in Minnesota·Saint Cloud rents are up 5.2% over the past year
Median rent (all units)
$1,241/mo
Year-over-Year
+5.2%
Month-over-Month
+1.0%
vs US Median
-$691
Reported rents
Rising (Monthly)
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Most AffordableMost Expensive
Saint Cloud · $1,241
More affordable than 91% of US cities · National median $1,932/mo
Rent Reality Score
56/100
Fairly priced
OverheatedFairGreat value

Rents are 3% below what Saint Cloud's 10-year trend predicts — a better deal than its own history suggests.

Actual rent
$1,241/mo
Expected by trend
$1,282/mo
The Rent Reality Score compares today's median rent to where Saint Cloud's own long-run trajectory projects it should be. See the full rankings →
Medians by bedroom

Rent by unit size

Studio
$940
1 BR
$1,003
2 BR
$1,273
3 BR
$1,690
4 BR+
$1,973
Fair Market Rent (HUD)
$1,273/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,241 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

November. Asking rents in Saint Cloud usually run 0.9% below trend in November and 0.6% above it in June, about $19 a month apart at today's median. Based on 9 years of data.

Compared with the peak

Rent in Saint Cloud is at its highest level since Zillow's records here began in January 2016.

Past year vs. the rest of Minnesota

Rent in Saint Cloud changed +5.2% over the year to September 2026. Across the 53 Minnesota cities Zillow tracks, the typical change was +3.4%.

Since before the pandemic

Rent in Saint Cloud is 41.7% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 10 months in a row, and rose in 11 of the last 12 months.

Spread across ZIP codes

The priciest of 3 ZIP codes in Saint Cloud, 56301 ($1,319/mo), costs 39% more than the cheapest, 56303 ($949/mo).

From Zillow's monthly rent index (ZORI) for Saint Cloud. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series.

Annual cost
$14,892/yr
At $1,241/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 5.2% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+5.2% YoY, +1.0% MoM), not inventory.
Rent check

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2021 vs 2026

How Saint Cloud, MN has changed in 5 years

Rent
$926 → $1,241
up 34.0%

The median rent in Saint Cloud, MN stood at $926 in 2021 and currently runs about $1,241, reflecting a 34.0% increase over the period. For context, the 2021 to 2026 window covers an unusually volatile run for US rents nationally, and Saint Cloud, MN reflects that arc in its own way.

Community

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View Saint Cloud rent history (2015–2026) →
Salary vs rent

Can you afford rent in Saint Cloud on your salary?

At $1,241/mo, how Saint Cloud rent compares to typical pay (30% rule).

By apartment size

Saint Cloud rent by bedroom count

Median rent for each apartment size in Saint Cloud. Click any size for full breakdown.

Local insights

Tips for renters in Saint Cloud

About renting in Saint Cloud, MN

Last updated: October 17, 2026

The median rent in Saint Cloud is $1,241/mo as of October 2026. A studio apartment averages $940/mo while a 2-bedroom runs $1,273/mo. One-bedroom apartments average $1,003/mo and 3-bedroom units go for $1,690/mo.

At 21% of estimated US median household income ($72,000/yr), Saint Cloud ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in Saint Cloud?

To keep rent at or below 30% of gross income, you would need to earn at least $50,000/year (about $24/hour full-time) to afford the median rent of $1,241/mo in Saint Cloud.

Is rent going up or down in Saint Cloud?

Rent in Saint Cloud has risen 5.2% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2016.

When is the cheapest time to rent in Saint Cloud?

Asking rents in Saint Cloud are usually lowest in November, about 0.9% below their yearly trend, and highest in June, about 0.6% above it. At today's median that is a gap of roughly $19 a month. This pattern comes from 9 years of Zillow rent data.

Which Saint Cloud neighborhoods have the lowest rent?

The most affordable ZIP codes in Saint Cloud are 56303 ($949/mo), 56304 ($1,176/mo), and 56301 ($1,319/mo). Citywide, the median rent is $1,241/mo.

How does Saint Cloud rent compare to other cities in Minnesota?

Saint Cloud is one of the more affordable among Minnesota cities for rent, ranking #61 of 68 tracked cities at $1,241/mo. Over the year to September 2026, rent in Saint Cloud changed +5.2%, against a typical +3.4% across the 53 Minnesota cities Zillow tracks.

Which nearby cities are cheaper to rent in than Saint Cloud?

Nearby cities with lower median rent than Saint Cloud ($1,241/mo) include Waite Park ($1,143/mo).
Income Affordability
21%
VERY AFFORDABLE

At $1,241/mo, rent takes ~21% of US median household income ($72,000/yr). The standard benchmark is 30%.

Saint Cloud 21%Benchmark 30%
State income tax5.35–9.85%
Run the Saint Cloud affordability calculator →
Lowest-rent ZIP codes in Saint Cloud
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Saint Cloud, MN

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