Is Saint Cloud, MN 56303 a buyer’s or seller’s market?

The Saint Cloud housing market right now

In the three months ending August 31, 2026, 31% of homes in Saint Cloud, MN 56303 sold above their list price, the typical home went under contract in 26 days and there were 2.3 months of supply. Under four months of supply means sellers have the edge: expect competition for well-priced homes. That’s based on 115 home sales.

Compared with the same period a year earlier, the share selling over asking rose from 28%, homes sold faster (31 days then) and the median sale price fell 3% to $232,399. Overall, Saint Cloud is more competitive than a year ago, so tougher for buyers.

Within Stearns County, homes here sell more slowly than in 60% of the county’s ZIP codes, and sell more often over asking than in 65%. On our competition score, Saint Cloud ranks #147 of 296 MN ZIP codes with enough sales (score 69 out of 100).

Nearby, buyers who want less competition could look at Saint Stephen 56375 (0% sold over asking) or New Munich 56356 (0% sold over asking), while Holdingford 56340 (38% sold over asking) and Cold Spring 56320 (36% sold over asking) are even more competitive.