Bill Hill
St. Cloud Real Estate
Bill Hill provides straightforward guidance for buyers and sellers in St. Cloud. Real estate in this Minnesota city requires a direct approach without the pressure of a sales pitch.
St. Cloud offers a balanced mix of property types. Data shows that homes that are single-family detached make up 50% (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates) of the local inventory. Bill Hill specializes in navigating this market by letting the houses speak for themselves. He focuses on the logistics of the transaction once a client finds the right fit.
The housing stock reflects a stable history with the median year homes were built being 1981 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). Whether looking at new construction or established neighborhoods, the process remains the same. Bill Hill provides clear feedback on property condition and market value without using hype or false urgency.
Investment in the area has shown steady movement over time. In Stearns County, the home price change over 5 years is +43.3% (Federal Housing Finance Agency House Price Index, 2020 to 2025). Bill Hill helps clients understand these trends so they can make informed decisions about their equity and future housing needs.
By the numbers
St. Cloud, MN at a glance
| Population2020–2024 ACS 5-year estimates | 70,629 |
|---|---|
| Housing units2020–2024 ACS 5-year estimates | 29,762 |
| Median home value (owner-occupied)2020–2024 ACS 5-year estimates | $225,000 |
| Median monthly rent2020–2024 ACS 5-year estimates | $1,003 |
| Median annual property tax paid2020–2024 ACS 5-year estimates | $2,320 |
| Homes that are owner-occupied2020–2024 ACS 5-year estimates | 49% |
| Homes that are single-family detached2020–2024 ACS 5-year estimates | 50% |
| Median year homes were built2020–2024 ACS 5-year estimates | 1981 |
| Commutes under 30 minutes2020–2024 ACS 5-year estimates | 82% |
| Home price change, 1 year (Stearns County)2024 to 2025 | +2.2% |
| Home price change, 5 years (Stearns County)2020 to 2025 | +43.3% |
| Average 30-year fixed mortgage rate (U.S.)week of 2026-09-24 | 7.03% |
| Average 30-year fixed mortgage rate a year earlier (U.S.)week of 2025-09-18 | 6.26% |
Sources: U.S. Census Bureau, American Community Survey; Federal Housing Finance Agency House Price Index; Freddie Mac Primary Mortgage Market Survey. Published estimates for the area as a whole, not a valuation of any property.
FAQ
Frequently asked questions
What is the median home value in St. Cloud, Minnesota?↓
The median home value for owner-occupied units is $225,000 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). This figure provides a baseline for buyers evaluating the local market. Bill Hill uses this data to help clients calibrate their expectations during the search process.
How much should I expect to pay in property taxes in St. Cloud?↓
The median annual property tax paid in the city is $2,320 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). Taxes are a critical component of the monthly carrying cost for any home. Bill Hill ensures these costs are transparent before his clients commit to a purchase.
Is St. Cloud a good place for people who commute for work?↓
Data indicates a commute under 30 minutes for 82% (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates) of the population. This efficiency is a notable characteristic of the St. Cloud region. Buyers often prioritize locations that maintain these short travel times.
What is the current mortgage rate environment in Minnesota?↓
The average 30-year fixed mortgage rate in the U.S. is 7.03% (Freddie Mac Primary Mortgage Market Survey, week of 2026-09-24). This is an increase from the average 30-year fixed mortgage rate a year earlier of 6.26% (Freddie Mac Primary Mortgage Market Survey, week of 2025-09-18). Bill Hill helps clients understand how these shifts impact their specific buying power.
What percentage of St. Cloud residents own their homes?↓
Homes that are owner-occupied account for 49% (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates) of the housing landscape. This indicates a significant rental market alongside opportunities for homeownership. Bill Hill assists those transitioning from renting to buying their first property.