St. Cloud, MN — Rental Investment Analysis

🔴WEAK— appreciation play only

Cap Rate

2.4%

Below average

Monthly Cash Flow

-$1,079

After all expenses

Price-to-Rent

19.7

Overpriced for rent

DSCR

0.38

Fails

📊 Key Metrics

Median Home Price: $329,186
Average Rent (3BR): $1,310/mo
Price-to-Rent Ratio: 19.7(high)
1% Rule: 0.42%(fails — need 1%+)
Cash-on-Cash Return: -17.1%
Vacancy Rate: 8.0%

📈 Market Strength

Unemployment Rate: 4.5%(+0.2% vs national)
Rent Growth (YoY): +2.9%(national avg)
Population Growth: +0.2% YoY

Assumptions Used

20% down, 7.000000000000001% rate, 30yr, 8% vacancy, 10% maintenance

Customize these numbers →

Property Tax Rate

1.05%

of assessed value (MN avg)

Median Income

$77,706

household (MN avg)

Rent-to-Income

20.2%

Affordable

Section 8 Max Rent

$1,310/mo

3BR voucher payment

🏛️ MN Investor Climate

Landlord Friendly

6/10

State Income Tax

Has state tax

Property Tax

1.05% effective

Population Trend

+0.2% (3yr)

🏘️ Best Zip Codes in St. Cloud for Investors

56329

Cap Rate: 3.3%Cash Flow: -$884/mo$341,685

56352

Cap Rate: 3.3%Cash Flow: -$772/mo$298,284

56376

Cap Rate: 3.0%Cash Flow: -$710/mo$251,348

All Zip Codes in St. Cloud

Zip	Cap Rate	Cash Flow	Home Price	Rent (3BR)	DSCR
56329	3.3%	-$884	$341,685	$1,730/mo	0.51
56352	3.3%	-$772	$298,284	$1,510/mo	0.51
56376	3.0%	-$710	$251,348	$1,200/mo	0.47
56385	3.0%	-$890	$315,835	$1,510/mo	0.47
55320	2.9%	-$1,100	$373,758	$1,730/mo	0.45
56362	2.5%	-$1,079	$329,186	$1,390/mo	0.38
56312	2.2%	-$1,143	$328,956	$1,310/mo	0.35
56375	2.2%	-$1,061	$305,865	$1,220/mo	0.35
56373	1.8%	-$1,356	$353,311	$1,250/mo	0.28
56307	1.6%	-$1,416	$356,185	$1,200/mo	0.25
55353	1.6%	-$1,447	$360,733	$1,200/mo	0.25