Metro area index
Home appreciation in the St. Cloud, MN metro area
FHFA HPI® data shows the St. Cloud, MN metro area's all-transactions index changed +3.2% over the year to Q2 2026, versus +3.0% for Minnesota and +3.0% for the U.S. That ranks 215th of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +3.2%
- 5-year change
- +35.9%
- Since Q1 1995
- +256%
- Metro rank (1 year)
- 215th
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
St. Cloud, MN vs Minnesota and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- St. Cloud, MN: 356.5
- Minnesota: 375.3
- United States: 391.6
Appreciation by time window
| Window | Metro | MN | U.S. | Gap vs MN | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.2% | +3.0% | +3.0% | +0.2 pts | +0.2 pts |
| 3 years | +9.1% | +10.3% | +12.9% | −1.3 pts | −3.8 pts |
| 5 years | +35.9% | +31.2% | +41.3% | +4.7 pts | −5.4 pts |
| 10 years | +81.0% | +76.2% | +93.3% | +4.8 pts | −12.4 pts |
| Since Q1 1995 | +256% | +275% | +292% | −18.8 pts | −35.1 pts |
3-digit ZIP regions in the St. Cloud, MN area
Regions with at least 10% of their 2010 population inside the metro, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 563 · St. Cloud, MN area | MN | +4.4% | +40.0% | +287% | 59% |
Boom, bust, and recovery in St. Cloud, MN area
St. Cloud, MN area's index peaked in Q2 2007, fell 18.9% to its low in Q2 2012, and regained its peak in Q2 2018, about 11 years after the top. Today it sits +65.1% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q2 2007 | Q2 2012 | -18.9% | Q2 2018 (11 yrs) | +65.1% |
| MN | Q1 2007 | Q2 2012 | -21.8% | Q3 2017 (10.5 yrs) | +65.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, St. Cloud, MN area's index has changed +61.0% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | MN after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -0.6% | -0.9% | -0.8% |
| 3 years | +9.8% | -0.7% | +0.5% | +2.8% |
| 5 years | +24.0% | +9.6% | +5.8% | +13.9% |
| 10 years | +39.1% | +30.1% | +26.7% | +39.0% |
| Since Q1 1995 | +121% | +61.0% | +69.5% | +76.8% |
If you bought in the St. Cloud, MN area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +242% | $1,025,448 |
| Q2 2000 | +161% | $783,645 |
| Q2 2005 | +75.2% | $525,549 |
| Q2 2010 | +93.8% | $581,439 |
| Q2 2015 | +86.7% | $560,034 |
| Q2 2020 | +51.5% | $454,520 |
| Q2 2021 | +35.9% | $407,623 |
| Q2 2023 | +9.1% | $327,246 |
| Q2 2025 | +3.2% | $309,624 |
Frequently asked questions
- How much have home prices risen in the St. Cloud, MN area?
- FHFA HPI® data for the St. Cloud, MN metro area shows changes of +3.2% over one year, +35.9% over five years, and +81.0% over ten years to Q2 2026, and +256% since Q1 1995.
- Is the St. Cloud, MN area beating the national average?
- Over the past year the metro's index moved +0.2 pts versus the U.S.; over five years the gap is −5.4 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.