St. Cloud: Housing & Real Estate
The median St. Cloud home is valued at $190,600 (estimated market value runs 10% higher at $208,873), with median rent $963 (1.2× higher than Crawford County median $784; about the same as Missouri median $956). Homeownership rate: 64.3%. That's 1.2× higher than the Crawford County median ($156,500); about the same as the Missouri median ($199,832). Market is warm. A municipal building code is in effect.
- 4.9× annual income — home value vs. household income (vs Missouri 2.8×).
- 16.5 years to break even renting at the median (vs Missouri 17y).
- 4-BR rent is 2.2× a studio — rent gradient by unit size.
- Median rent runs 8% above HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $190,600 — 1.0× the Missouri median ($199,831). Median rent $963/month. homeownership rate 64.3% — near the U.S. share of ~65%.
| Affordability · Home Price To Income | 4.9× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 29.8% |
| Affordability · Rent Affordability | moderate |
| Affordability · Pct Severely Rent Burdened | 40.0% |
| Affordability · Poverty Rate | 14.7% |
| Fair Market Rent · Studio rent | $612 |
| Fair Market Rent · One-bedroom rent | $729 |
| Fair Market Rent · Two-bedroom rent | $888 |
| Fair Market Rent · Three-bedroom rent | $1,235 |
| Fair Market Rent · Four-bedroom rent | $1,375 |
| Fair Market Rent · HUD FMR area | Crawford County, MO |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $208,873 |
| Median Home Value | $190,600 (vs Missouri $199,832) |
| Median Rent | $963 (at Missouri median) |
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 | warm |
|---|---|
| Housing Market · Price Appreciation 2Yr | 4.0% |
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% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 8.1% |
| Broadband · Broadband-capable premises | 37 |
| Electricity · Electricity rate (¢/kWh) | 12.91¢/kWh |
| Electricity · Customers | 2,933,914 |
| Electricity · Revenue Millions | $4,548 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 3 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 64.3% |
|---|---|
| Median Year Built | 1978 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12