Saint Cloud, MN

  • Overview
  • Performance
  • Listings
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Key Performance Metrics

Market snapshot

Performance indicators for the Saint Cloud short-term rental market based on reliable data.

Listings

29 / 83

Reliable / Active

Cap Rate

11%

Middle-Earners Gross Yield

Revenue

$28,063

Middle-Earners Revenue

Occupancy

70%

Middle-Earners Occupancy

Home Value

$259,699

Median Home Sale Price

Top Earners

$57,786

Top-Earners Revenue

Saint Cloud

Market Revenue Seasonality

Top Listings

Highest revenue

The highest-performing listings in Saint Cloud.

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C

Challenging to Investors

Saint Cloud Regulations

Short‑term rentals are technically allowed but not directly licensed; non‑owner‑occupied homes need a standard rental license with training, inspections, and habitability standards, while owner‑occupied units and ADUs are explicitly prohibited. The only clearly permitted lodging option is a Bed & Breakfast subject to tight caps (room/sleeping‑room limits, 14‑day guest stays, separation rules, landscaping, and no in‑room cooking). Compliance steps (training, inspections, possible license actions on violations) add cost and complexity, creating meaningful investor risk and reducing citywide permissiveness.

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About Saint Cloud

St. Cloud sits in central Minnesota, spanning Stearns County with small portions reaching into Benton and Sherburne counties, and is home to roughly 68,000 residents. Often described as the cultural and commercial hub of central Minnesota, the city carries a friendly Midwestern character with a historic downtown anchored by the Mississippi River. It serves as a popular gateway to the lake country of north-central Minnesota, the Brainerd Lakes region, and the granite-rich landscape of the upper Mississippi. St. Cloud lies approximately 70 miles northwest of the Minneapolis–Saint Paul metropolitan area, making it an easy drive for visitors exploring the Twin Cities' backyard or heading further north toward the woods and waters of the Boundary Waters.

Quarry Park and Nature Preserve is one of the area's most distinctive outdoor destinations, featuring old granite quarries that have filled with water to form clear swimming holes, surrounded by rock outcroppings and wooded trails. Located just a few miles west of downtown St. Cloud, the park offers hiking, swimming, scuba diving, and rock climbing in a setting that feels far removed from the city's urban edge and is a favorite of locals in the warmer months.

Along the Mississippi River in the heart of St. Cloud, the Munsinger and Clemens Gardens form a beloved pair of botanical spaces. Munsinger Gardens is known for its lush, shaded flower beds and curving paths along the river, while the adjoining Clemens Gardens features formal European-style landscaping. Together they offer a free, year-round display of horticultural variety within walking distance of downtown and the riverfront.

A short drive to the west, the campus of St. John's University in Collegeville draws visitors for its striking modern abbey church designed by Marcel Breuer, its wooded setting, and the nearby river bluffs. Many travelers pair a campus visit with a stop in the small town of Cold Spring, which adds a bit of small-town Minnesota flavor to the trip.

Closer to home, the Beaver Islands Trail is a paved multi-use path that follows the Mississippi River for several miles through St. Cloud and surrounding natural areas. Popular with cyclists, runners, and walkers, it connects neighborhoods to riverfront parks and showcases the wild, braided character of the upper Mississippi just minutes from the city center.

St. Cloud's combination of a walkable downtown, riverfront parks, distinctive natural attractions like the quarry swimming holes, and proximity to both the Twin Cities and the resort country of central Minnesota gives it a versatile appeal for short-term rental guests. Travelers heading north to the lake region, families seeking outdoor recreation close to town, and visitors exploring central Minnesota all find the city a practical and welcoming base with a distinctly Minnesotan atmosphere.

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