St. Cloud: Housing & Real Estate
$194,600 is the median home value in St. Cloud (estimated market value runs 7% higher at $207,986), with median rent $757 (1.2× below Fond du Lac County median $892; 1.4× below Wisconsin median $1,059). Homeownership rate: 85.3%. That's about the same as the Fond du Lac County median ($195,800); 1.2× below the Wisconsin median ($225,700). Market is stable. Vacancy rate 3.7%. New construction makes up 1.0% of stock. A municipal building code is in effect.
- 1.9× annual income — home value vs. household income (vs Wisconsin 3.1×).
- 21.4 years to break even renting at the median (vs Wisconsin 18y).
- 4-BR rent is 2.1× a studio — rent gradient by unit size.
- Median rent 35% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $194,600 — 0.9× the Wisconsin median ($225,700). Median rent $757/month. homeownership rate 85.3% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.9× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 9.5% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 14.3% |
| Affordability · Poverty Rate | 2.0% |
| Affordability · Property Tax Pct Income | 3.0% |
| Fair Market Rent · Studio rent | $811 (vs Wisconsin $932) |
| Fair Market Rent · One-bedroom rent | $946 (vs Wisconsin $988) |
| Fair Market Rent · Two-bedroom rent | $1,176 (vs Wisconsin $1,246) |
| Fair Market Rent · Three-bedroom rent | $1,522 (vs Wisconsin $1,648) |
| Fair Market Rent · Four-bedroom rent | $1,665 (vs Wisconsin $1,784) |
| Fair Market Rent · HUD FMR area | Fond du Lac, WI MSA |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $207,986 |
| Median Home Value | $194,600 (vs Wisconsin $225,700) |
| Median Rent | $757 (vs Wisconsin $1,059) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | stable |
|---|---|
| Housing Market · Vacancy rate | 3.7% |
| Housing Market · New construction (% of stock) | 1.0% |
| Housing Market · Price Appreciation 2Yr | 2.9% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Wisconsin median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Wisconsin median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Wisconsin median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% (vs Wisconsin 0.5%) |
| Broadband · Broadband-capable premises | 265 |
| Electricity · Electricity rate (¢/kWh) | 17.18¢/kWh |
| Electricity · Customers | 2843874 |
| Electricity · Revenue Millions | $3,783 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0.000000000 |
| Mobile Broadband · 4G mobile coverage | 1.000000000 (at Wisconsin median) |
| Mobile Broadband · 5G mobile coverage | 1.000000000 (at Wisconsin median) |
| Mobile Home Parks Detail · County total | 2 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 85.3% (vs Wisconsin 60.8%) |
|---|---|
| Median Year Built | 1953 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12