HousingHandbookReference data

U.S. ZIP Code · MN56369

Stearns County · St. Cloud, MN

Typical home value

$262,185[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.8%
5-year / yr
+5.4%
10-year / yr
+5.9%

Relative price

vs U.S.
-7.7%
vs metro
-22.9%
vs state
-11.9%
ZIP 56369 location in MN
Location of ZIP 56369 in MN

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 56369 is worth $262,185 — 22.9% below the St. Cloud, MN median. Over the past year, values have risen 1.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
[3]
Typical annual tax
[3]

#Climate risk

FEMA National Risk Index ratings for Stearns County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Relatively Low
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Not Applicable
Tornado
Relatively High
Earthquake
Very Low
Winter weather
Relatively High

#Who lives here

Population
582[3]
Median household income
$98,077[3]

#Migration

Household moves in and out of Stearns County over a year, from IRS tax-return data.

Net migration
-412[5]
Moved in
4,381
Moved out
4,793

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
1
Elementary
1
Middle
0
High
0
  • ROCKVILLE ELEMENTARY

    Elementary · Grades K–5 · ROCORI PUBLIC SCHOOL DISTRICT

    130 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,326
Loan principal$209,748
Down payment$52,437
Total interest paid$267,522

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,806
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
12th percentile[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 56369?
The typical home in 56369 is worth $262,185, based on the Zillow Home Value Index.
Are home values rising in 56369?
Home values in 56369 are up 1.8% over the past year, and up 5.4% a year over five years.
Who lives in 56369?
ZIP code 56369 has a population of 582 and a median household income of $98,077.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Waite Park, MN

    Typical home
    $254,038
    Gross yield
    5.7%
  • St. Martin, MN

    Typical home
    $251,348
    Gross yield
  • St. Cloud, MN

    Typical home
    $240,106
    Gross yield
    4.8%
  • Melrose, MN

    Typical home
    $298,284
    Gross yield
  • Sauk Rapids, MN

    Typical home
    $300,671
    Gross yield
  • St. Stephen, MN

    Typical home
    $305,865
    Gross yield

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