Rent in Saint Cloud, MN
Across Saint Cloud's 8 ZIP codes, a 2-bedroom typically rents for about $1,233 a month, with figures from $969–$1,734. The highest typical rent is in 56399 ($1,233) and the lowest in 56304 ($969). 3 ZIPs have ZIP-level figures from HUD or Census; the other 5 use the county Fair Market Rent. Owner-occupied homes in Stearns County pay about 1.00% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.24% in the week of Oct 29, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $884 | $731–$1,265 | 8 |
| 1 bed | $961 | $830–$1,427 | 8 |
| 2 beds | $1,233 | $969–$1,734 | 8 |
| 3 beds | $1,656 | $1,200–$2,264 | 8 |
| 4 beds | $1,961 | $1,543–$2,538 | 8 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Saint Cloud ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Saint Cloud, MN?
- About $1,233 a month: the median of the typical rents in 8 ZIP codes, which range from $969–$1,734. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Saint Cloud, MN?
- About $961 a month: the median of the typical rents in 8 ZIP codes, which range from $830–$1,427. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Saint Cloud, MN?
- About $1,656 a month: the median of the typical rents in 8 ZIP codes, which range from $1,200–$2,264. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Saint Cloud, MN?
- About $884 a month: the median of the typical rents in 8 ZIP codes, which range from $731–$1,265. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Saint Cloud, MN?
- About $1,961 a month: the median of the typical rents in 8 ZIP codes, which range from $1,543–$2,538. Figures are gross rent (rent plus tenant-paid utilities).
- Which Saint Cloud ZIP code has the highest rent?
- For a 2-bedroom, 56399 has the highest typical rent at $1,233 a month, and 56304 the lowest at $969.
- What is the property tax rate in Saint Cloud, MN?
- Owner-occupied homes in Stearns County pay a typical 1.00% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.24% in the week of Oct 29, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Saint Cloud rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).