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Area data

Saint cloud, MN — ZIP 56303

Population: 25,827 (Census ACS)

The median home value in ZIP 56303 (Saint cloud, MN) is $242,541 — up 1.1% over the past year. Homes sell for a median $147,500 after a median 22 days on market. Typical rent runs $1,064/month. 10 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with hail, lightning, strongwind the top-rated hazards. Cost of living is 10.0% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$242,541

Median home value

+1.1%

1-year change

22

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$242,541
1-year appreciation
+1.1%
3-year appreciation
+10.9%
5-year appreciation
+26.4%
10-year appreciation
+78.4%
All-time peak (2026-03)
$244,051
House Price Index (state)
429.3 (+3.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$147,500
Median list price
$225,000
Median price per sqft
$112
1-year sale-price change
-41.0%
Median days on market
22 days
Homes sold (recent period)
1
For-sale inventory
101
Sale-to-list ratio
122.9%
Active listings
1
1-year forecast
+1.6%
Days to pending
35 days
New listings (monthly)
47

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,064/mo
Studio fair-market rent
$754/mo
1BR fair-market rent
$943/mo
2BR fair-market rent
$1,176/mo
3BR fair-market rent
$1,529/mo
4BR fair-market rent
$1,764/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.0 (100 = US avg)
Electricity rate (state-level)
15.8¢/kWh
Natural gas rate (state-level)
$11.00/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
10
Elementary schools
4
Middle schools
1
High schools
1
Charter schools
2
School districts serving the area
Saint Cloud Math and Science Academ, Success Academy, ST. CLOUD PUBLIC SCHOOL DISTRICT
Schools include
Saint Cloud Math and Science Academ, Success Academy Saint Cloud, APOLLO SENIOR HIGH, MADISON ELEMENTARY, WESTWOOD ELEMENTARY

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
hail, lightning, strongWind, tornado, winterWeather
Notable hazard ratings (county)
coldWave: Relatively Moderate · drought: Relatively Low · hail: Relatively High · heatWave: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Relatively Moderate
FEMA flood zone
X
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 33% of US counties
Buildings in wildfire direct-exposure zone
37.8%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
1
Nearest Superfund site
Waite Park Wells (0.9 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
31.2 in
USDA plant hardiness zone
4b (extreme annual low -25 to -20°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
48
Days with Good air quality
199
Days with Moderate air quality
152
Days with Unhealthy air quality
3
Highest AQI recorded (year)
184

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
6.0 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
33,712
Jobs reachable by transit (45 min)
26,619

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
18
Nearest airport
Guggenberger Airport (2 mi)
Nearest major airport
Saint Cloud Regional Airport (STC) (8 mi)
Hospitals nearby (~15 mi)
2
Hospitals include
ST CLOUD VA MEDICAL CENTER, ST CLOUD HOSPITAL
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-324 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,979
Housing built before 1970
37.2%
Housing built 2000 or later
26.4%
Median annual property tax
$2,091
Mean commute to work
18 min
Households with broadband internet
76.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
74,929
Average weekly wage
$1,128
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
338

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 56303State medianUS median
Median home value$242,541$304,931$289,727
Median sale price$147,500$315,500$325,000
Median days on market22 days39 days51 days
Typical rent$1,064/mo$1,678/mo$1,808/mo
Median annual property tax$2,091$2,128$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 56303?
$242,541.
What is the median sale price in ZIP 56303?
$147,500.
How long do homes take to sell in ZIP 56303?
Median days on market: 22 days.
What is typical rent in ZIP 56303?
Typical rent: $1,064/month.
What is the natural-hazard risk in ZIP 56303?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hail, lightning, strongWind, tornado, winterWeather.
Is ZIP 56303 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in ZIP 56303?
Risk to homes is higher than 33% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 56303?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 56303?
1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Waite Park Wells, 0.9 mi.
How many schools serve ZIP 56303?
10 schools (4 elementary, 1 middle, 1 high) (NCES, 2022-23).
Is ZIP 56303 walkable?
Walkability index: 6.0/20 (EPA Smart Location Database).
What is the air quality in ZIP 56303?
Good. Median AQI: 48. (EPA AQI).
What is the cost of living in ZIP 56303?
Regional Price Parity: 90.0 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents