ZIP Code 56304 — Saint Cloud, MN Home Prices (2026)
The typical home in ZIP 56304 (Saint Cloud, Minnesota) is worth about $273,000 at roughly $160 per square foot — about the same as the Saint Cloud median and 7% more affordable than the typical U.S. home.
How 56304 compares
ZIP 56304 is a mid-priced ZIP code for Saint Cloud: its typical home value of $273,000 ranks #2 of the 3 Saint Cloud ZIP codes we track (the citywide range runs from $243,000 in 56303 to $312,000 in 56301). Per square foot it costs about $160, against $160 for Saint Cloud as a whole, $189 for Minnesota, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 56304 | $273,000 | $160 |
| Saint Cloud, MN | $273,000 | $160 |
| Minnesota | $304,000 | $189 |
| United States | $294,000 | $195 |
Home value by size in 56304
Using this ZIP’s rate of about $160 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $160,000 |
| 1,500 sq ft | $240,000 |
| 2,000 sq ft | $320,000 |
| 2,500 sq ft | $400,000 |
| 3,000 sq ft | $480,000 |
Salary needed to buy a home in ZIP 56304
To buy the typical $273,000 home in ZIP 56304 with 20% down, you need a household income of roughly $74,000 a year (about $1,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $88,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,700 | $2,150/mo | $92,000/yr |
| 10% (+PMI) | $27,300 | $2,060/mo | $88,000/yr |
| 20% | $54,600 | $1,730/mo | $74,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 56304
At about $160 per square foot, here is roughly how much home different budgets get you in ZIP 56304:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 940 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1250 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1560 sq ft | around the typical home here |
| $300k | 1880 sq ft | around the typical home here |
| $400k | 2500 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 56304 home.
Estimate a specific home in 56304
The estimator below is pre-set to ZIP 56304 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Saint Cloud ZIP codes by home value
Where 56304 sits among Saint Cloud’s 3 ZIP codes:
ZIP 56304 home prices: frequently asked
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See the full Saint Cloud home values page, all Minnesota cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.