Bill Hill
St. Stephen Real Estate
Bill Hill provides straightforward real estate guidance for buyers and sellers in St. Stephen, Minnesota. He believes the properties speak for themselves and focuses on navigating the process without pressure.
St. Stephen offers a distinct landscape for those seeking space and established homes. The market features a median year homes were built of 1987 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates), providing a mix of mature lots and modern builds. Most properties are single-family detached homes, which account for 98% of the housing units in the area (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates).
Bill Hill helps clients understand the value of these long-term investments. In Stearns County, home prices saw a change of +43.3% over 5 years (Federal Housing Finance Agency House Price Index, 2020 to 2025). This growth reflects the lasting appeal of the region. Whether looking for new construction or a traditional site, buyers will find a market where owner-occupied homes represent 97% of the inventory (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates).
Working with Bill Hill means getting clear answers without the sales pitch. He specializes in first-time buyers and seller representation, ensuring every client has the data needed to make an informed choice. His approach is direct. If a property is not a fit, he says so. The goal is to move through the St. Stephen market with confidence and zero fluff.
By the numbers
St. Stephen, MN at a glance
| Population2020–2024 ACS 5-year estimates | 694 |
|---|---|
| Housing units2020–2024 ACS 5-year estimates | 266 |
| Median home value (owner-occupied)2020–2024 ACS 5-year estimates | $262,100 |
| Median monthly rent2020–2024 ACS 5-year estimates | $1,292 |
| Median annual property tax paid2020–2024 ACS 5-year estimates | $2,640 |
| Homes that are owner-occupied2020–2024 ACS 5-year estimates | 97% |
| Homes that are single-family detached2020–2024 ACS 5-year estimates | 98% |
| Median year homes were built2020–2024 ACS 5-year estimates | 1987 |
| Commutes under 30 minutes2020–2024 ACS 5-year estimates | 72% |
| 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 current median home value in St. Stephen, MN?↓
The median home value for owner-occupied units in St. Stephen is $262,100 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). This figure provides a baseline for understanding the local price points compared to the broader Stearns County area. Bill Hill can help you determine if a specific listing aligns with this market average.
What kind of property types are most common in St. Stephen?↓
The inventory is almost entirely composed of standalone houses. According to the U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates, 98% of homes are single-family detached structures. Bill Hill assists buyers in evaluating these properties, whether they are looking for established builds or new construction.
How much should I expect to pay in annual property taxes?↓
In St. Stephen, the median annual property tax paid is $2,640 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). Tax amounts will vary based on the specific property and assessed value. Bill Hill provides clear guidance on these carrying costs during the due diligence process.
Are there many rental opportunities in St. Stephen?↓
Rental options are limited as the area has a high rate of homeownership. The median monthly rent is $1,292 (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). With 97% of homes being owner-occupied (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates), most residents choose to purchase rather than lease.
How long is the average commute for St. Stephen residents?↓
Connectivity to nearby hubs is common for those living in the area. Data shows that 72% of residents have commutes under 30 minutes (U.S. Census Bureau, American Community Survey, 2020–2024 ACS 5-year estimates). Bill Hill can help you evaluate how a specific location in St. Stephen fits your daily travel needs.