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Saint Stephen 56375

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.MinnesotaBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 42
Buyer's marketBalancedSeller's market
$302K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
3
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$292K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Oct 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Market temperature (0–100)How the 0 to 100 market score moved over time. It blends price growth, sales pace, how often homes change hands, and seller profits.Temperature
2017201820192020202120222026
Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
2017201820192020202120222026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
2017201820192020202120222026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
2017201820192020202120222026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
2017201820192020202120222026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
2017201820192020202120222026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
2017201820192020202120222026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
2017201820192020202120222026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
2017201820192020202120222026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
2017201820192020202120222026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
2017201820192020202120222026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
201720182019202220232024

Housing Stock

HomesHow many homes we have records for in this area.337
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$292K
Median sizeThe middle home size here, measured in square feet.1,148 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1984
Single familyThe share of homes here that are single-family houses.90%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.99%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.5%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.88%
Company ownedThe share of homes owned by a company or trust instead of a person.9.2%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.21.2 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.35
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.445
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.131 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$109K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119K
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Saint Stephen 56375 compares

By median home value, Saint Stephen 56375 is the 12th most expensive of 24 ZIP codes in Stearns County, and its typical home is worth more than 51% of all homes in Stearns County.

Home values in Saint Stephen 56375

Share of homes at each estimated value.

Median
$166K$765K
ZIP codes in Stearns County ranked by median home value
#Stearns CountyMedian valueHomes
1South Haven 55382$386K2,493
2Avon 56310$364K2,343
3Richmond 56368$335K2,823
4Holdingford 56340$335K952
5Cold Spring 56320$334K3,440
6Kimball 55353$328K1,532
7Freeport 56331$327K854
8Sartell 56377$319K6,050
9Saint Joseph 56374$306K3,165
10Albany 56307$301K2,006
11Saint Cloud 56301$293K8,412
12Saint Stephen 56375$292K337
13Paynesville 56362$274K3,025
14Sauk Centre 56378$268K3,468
15Belgrade 56312$252K1,005
16Melrose 56352$251K2,136
17Rockville 56369$239K157
18Saint Martin 56376$235K134
19Waite Park 56387$227K1,727
20Brooten 56316$221K728
21Eden Valley 55329$220K949
22Elrosa 56325$215K108
23Saint Cloud 56303$212K8,914
24New Munich 56356$194K141

About the Saint Stephen 56375 market

What is the median home price in Saint Stephen 56375, MN?

The median sale price in Saint Stephen 56375, MN is $302,000 (data through October 2026), based on deeds recorded with the county.

How many homes sell in Saint Stephen 56375, MN each year?

3 homes sold in Saint Stephen 56375, MN over the last 12 months (data through October 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Saint Stephen 56375, MN a buyer's or seller's market?

Saint Stephen 56375, MN is currently a balanced market, scoring 42 out of 100 on TopHap's market temperature index (data through October 2026). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Saint Stephen 56375, MN?

Saint Stephen 56375, MN contains 337 residential properties, with a median of 1,148 square feet, 3 bedrooms, built around 1984. The median TopHap Estimate is $292K.

How does Saint Stephen 56375, MN compare to the rest of Stearns County?

By median home value, Saint Stephen 56375, MN is the 12th most expensive of 24 ZIP codes in Stearns County. Its typical home is worth more than 51% of all homes in Stearns County. Saint Cloud 56301 ranks just above it and Paynesville 56362 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Saint Stephen 56375, MN?

88% of homes in Saint Stephen 56375, MN are owner-occupied. 9% are held by a company rather than an individual.

How much equity do owners in Saint Stephen 56375, MN hold?

99% of mortgaged homes in Saint Stephen 56375, MN are equity-rich, meaning the loan balance is under half the home's value. 0.5% owe more than the home is worth.

Nearby markets

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