Saint Cloud Homes under $350,000

Welcome to Saint Cloud, Minnesota—a vibrant city that beautifully blends small-town charm with urban convenience. Nestled along the banks of the Mississippi River, Saint Cloud offers a picturesque setting with stunning parks, scenic trails, and a rich history that makes it a delightful place to call home. With a population of around 68,000, this thriving community is known for its friendly atmosphere, excellent schools, and a variety of recreational opportunities, making it an ideal location for families, young professionals, and retirees alike.

One of the most appealing aspects of Saint Cloud is its diverse real estate market, particularly for those seeking homes under $350,000. Here, you can find a range of properties that cater to different lifestyles and preferences, from charming single-family homes to modern townhouses. The affordability of these homes allows residents to enjoy the benefits of homeownership without breaking the bank, making it an attractive option for first-time buyers and investors.

Saint Cloud is also home to a variety of amenities, including shopping centers, restaurants, and cultural attractions. The downtown area boasts a vibrant arts scene, with theaters and galleries that showcase local talent. Outdoor enthusiasts will appreciate the numerous parks, lakes, and recreational facilities that encourage an active lifestyle.

In Saint Cloud, you’ll find not just a house, but a community where you can thrive. With its affordable housing options and welcoming atmosphere, this city is truly a hidden gem in Minnesota. Come explore all that Saint Cloud has to offer and discover your dream home today!

Newest Saint Cloud Homes under $350,000

$189,900

2 Beds ⋅ 2 Baths ⋅ 7158014 MLS

Charm, character, and opportunity in the heart of St. Cloud! This 2 bedroom, 2 bathroom home, built in 1881, offers solid bones and plenty of potential. The main level features a spacious kitchen with stainless steel appliances, updated full bathroom with main floor laundry, and a 3-season porch. Upper level includes two spacious bedrooms and a 3/4 bathroom. Beautifully landscaped lot with mature trees, established flower gardens, a variety of plants, and grapevines. Additional highlights include a new roof in 2026, oversized insulated 2-stall garage, and storage shed. A great opportunity to add your personal touches and make this property your own!

113 16th Avenue N, Saint Cloud

Listing courtesy of Premier Real Estate Services.

$185,000

4 Beds ⋅ 2 Baths ⋅ 7146935 MLS

Stylish interior updates, inviting outdoor spaces, and thoughtful improvements make this 4-bedroom rambler stand out. Inside, the bright front living room features a large picture window and a sleek electric fireplace framed by white-painted brick and a rustic wood mantel. The kitchen offers stainless-steel appliances, while three bedrooms and an updated full bathroom are conveniently located on the main level. The partially finished lower level extends your living space with all-new flooring, a generous fourth bedroom, family room, laundry room with a newer washer and dryer (2024), and additional storage. Major updates include new HVAC in 2026, a new roof in 2024, and windows replaced in 2015. Outside, the spacious, fully fenced backyard offers a peaceful setting with mature trees and two separate brick paver patios, ideal for outdoor dining, entertaining, or evenings around the fire. A detached garage and metal siding add even more appeal.

936 26th Avenue N, Saint Cloud

Listing courtesy of Kris Lindahl Real Estate.

$216,900

2 Beds ⋅ 2 Baths ⋅ 7157813 MLS

This end unit townhome in west St. Cloud is sure to impress! With almost 1600 square feet, you will have plenty of space to spread out in your new home. Step inside to your roomy entryway with double closets right inside for plenty of storage. Large living room area feels open with the high ceilings above the entry and flows nicely into the dining area. Plenty of natural light through the sliding door which leads to your private patio in back. Well-done kitchen with a new fridge and dishwasher, leading to the laundry room with a pocket door. Head upstairs to find a wonderful loft area which could easily be converted to a third bedroom if desired! Primary bedroom is quite large with a spacious walk-in closet, and second bedroom is large as well. Full bath upstairs provides you with double sinks and plenty of storage. You will notice fresh paint throughout, upgraded carpet, some updated lighting, and the obvious care that has been given to the home. Your location provides easy and quick access to schools, parks, and shopping. Combine that with the simplicity of an HOA taking care of your outside maintenance like snow and lawn care, this home truly shines and will be a great place to live!

2503 41st Avenue S, Saint Cloud

Listing courtesy of Edina Realty, Inc.

$149,900

2 Beds ⋅ 1 Baths ⋅ 7155174 MLS

Cute, conveniently located, and offered at a great price! This 2 bedroom, 1 bath home features a kitchen with ample counter space and a stainless steel refrigerator and stove. The finished basement offers additional living space and potential for a third bedroom with the addition of an egress window. Enjoy the fenced-in backyard with room to relax or entertain. This home is ready for your personal touches with a great opportunity to build equity and make it your own!

1041 17th Avenue S, Saint Cloud

Listing courtesy of RE/MAX Results.

$218,000

3 Beds ⋅ 2 Baths ⋅ 7143606 MLS

This St. Cloud home perfectly balances 1950s character with high-end, durable updates. The exterior features Andersen windows and steel siding, ensuring both energy efficiency and longevity. Inside, the primary bedroom has a sliding door to enjoy the backyard and maintenance free deck. The outdoor space continues into a fully fenced-in backyard, garden with many perennials. Downstairs, a finished bedroom and family room provides the perfect flexible space for a home office or media room. This home has been loved and ready for its next chapter.

2907 7th Street N, Saint Cloud

Listing courtesy of Coldwell Banker Realty.

$150,000

3 Beds ⋅ 2 Baths ⋅ 7133572 MLS

Three bedrooms, an end-unit setting, and outdoor spaces worth making your own through renovation! A gated courtyard welcomes you to this townhome with two patios, including one directly off the spacious living room. The main level features a kitchen, separate dining room, living room, and convenient half bath. All three bedrooms and a full bath are together upstairs. Refinish/repair the lower level to create a recreation room, home office, or movie room suited to your needs. A detached two-car garage provides parking and storage, while association-provided lawn care and snow removal simplify outdoor upkeep. ****Repairs and updating are needed, offering an opportunity to choose your finishes and make the most of the home's layout and spaces.**** Sold as-is. **** Seller requests a November 30, 2026 closing. See agent remarks for required offer terms.

3420 15th Street N, Saint Cloud

Listing courtesy of Keller Williams Premier Realty.

$299,900

5 Beds ⋅ 2 Baths ⋅ 7156929 MLS

Move-in ready and priced well with a HEATED/COOLED SHOP in a quiet, well kept northside neighborhood. Enjoy the updates throughout and plenty of space with over 2300 square feet! This 5-bedroom, 2-bath home features an updated kitchen, bathrooms with tiled showers, updated flooring and more, along with multiple living spaces and a mostly finished lower level. Future lower-level bathroom is ready to complete, offering an easy opportunity to add even more equity and function. Outside, you’ll love the heated 2-stall attached garage plus the impressive 30x40 heated and air-conditioned detached shop - perfect for hobbies, projects, toys or extra storage. The back yard is private and fenced, including a concrete patio/firepit. This is a rare combination of an updated home, flexible living spaces and exceptional garage/shop space!

1284 12th Avenue N, Saint Cloud

Listing courtesy of Pemberton RE.

$233,000

4 Beds ⋅ 2 Baths ⋅ 7156925 MLS

This is a solid and affordable 4 bed, 2 bath home in a quiet, convenient Southeast St. Cloud neighborhood. Over 2,000 finished square feet with 3 bedrooms on the main level, some updated flooring, fixtures, trim, paint, and a spacious lower-level family room with a 4th bedroom. Outside there is a fenced yard, concrete patio, and storage shed. The garage is heated. The basement is stubbed for an additional bathroom to easily build equity and function. Add your personal touches or live in it as it is.

1614 12th Avenue SE, Saint Cloud

Listing courtesy of Pemberton RE.

$179,900

3 Beds ⋅ 1 Baths ⋅ 7156346 MLS

This impressive 3-bedroom, 1-bath, 1.5-story Northside home sits on nearly a quarter-acre lot and includes an attached garage. The main level offers a living room, family room, kitchen, primary bedroom, and second bedroom. Upstairs, the largest bedroom has extra space for a convenient office area. Outside, enjoy a private, fenced backyard with a storage shed and three-season porch. The full, unfinished basement offers ample room for a workshop, exercise area, gaming, storage, and more. Move-in ready—schedule your showing today!

721 26th Avenue N, Saint Cloud

Listing courtesy of Premier Real Estate Services.

$324,900

5 Beds ⋅ 2 Baths ⋅ 7155555 MLS

Welcome home to this spacious 5-bedroom, 2-bath home in St. Cloud’s Westwood Parkway neighborhood! The main level features a functional layout with hardwood and tile flooring, a refreshed kitchen with a new sink, backsplash, additional upper cabinets, and freshly painted cabinetry. The interior has also been freshly painted for a clean, welcoming feel. Enjoy outdoor living with a deck and pergola, plus a concrete patio and backyard fire pit that is ideal for entertaining or relaxing outdoors. Recent updates include new siding in 2023, a new roof in 2022, concrete patio in 2022, and a newer refrigerator. The 2-car garage provides convenient parking and storage. Enjoy the neighborhood walking path and the park located in the heart of the community, maintained by the HOA. Conveniently located near area parks, trails, shopping, dining, and everyday amenities. This home offers plenty of space, updates, and outdoor enjoyment, come see all it has to offer!

850 Savanna Avenue, Saint Cloud

Listing courtesy of Pemberton RE.

$329,900

4 Beds ⋅ 3 Baths ⋅ 7155829 MLS

Welcome to this beautifully designed two-story patio home offering a bright, open-concept floor plan with stylish finishes and functional living spaces throughout. The main level features a spacious great room centered around a cozy gas fireplace, creating the perfect space to relax or entertain. The kitchen is designed to impress with a large center island, granite countertops, stainless steel appliances, abundant wraparound cabinetry, and a generous walk-in pantry for added storage. The dining area offers easy access to the back patio, making indoor-outdoor living a breeze. A convenient half bath completes the main level. Upstairs, you’ll find four spacious bedrooms, including a private owner’s suite featuring a large walk-in closet and private bath. The upper-level laundry room is thoughtfully located near all bedrooms for everyday convenience. A versatile loft area provides additional flex space perfect for a second living room, home office, playroom, or workout area. The neighborhood offers walking trails along with a convenient location just outside of Saint Cloud.

683 47th Avenue NE, Saint Cloud

Listing courtesy of VoigtJohnson.

$225,000

3 Beds ⋅ 2 Baths ⋅ 7155361 MLS

Live in the lavender haze! We are so excited to welcome you Home! Step inside and you may just find yourself smiling—because this is the kind of home that feels like your home from the moment you arrive. Charming curb appeal, welcoming landscaping and a front entry illuminated by warm evening light invite you to come in, settle down and start imagining life here. Picture yourself pulling into your own garage on a snowy winter evening instead of brushing snow and ice off your car. Imagine carrying groceries straight inside, coming through the door and being welcomed by the warmth and character waiting within. For a first-time homeowner, those little everyday conveniences can make a big difference! Inside, the main level offers three bedrooms, giving you room to grow, create a home office, welcome overnight guests or simply have a little extra space for whatever life brings. The kitchen is designed for everyday living, with cabinetry, ample workspace and a convenient island where morning coffee, homework, casual meals and conversations can all happen. And then there is that wonderful **bright sunroom just off the kitchen**—a perfect spot for morning coffee, reading a book, enjoying your favorite plants or simply soaking up the sunshine. Now picture the holidays here. The open spaces make it easy to gather family and friends, whether you're serving a holiday meal, setting out appetizers or enjoying a cozy evening together. The kitchen keeps you connected to the action rather than tucked away in another room, while the sunroom offers an inviting place to linger. This is a home made for making memories. Downstairs, there is even room to imagine the possibilities. Need more living space someday? A hobby area, recreation room or additional storage? And if your plans call for it, you could explore adding another bathroom in the lower level, giving this home even more potential as your needs evolve. Outside, you'll enjoy having a yard without signing yourself up for a lifetime of yard work. There is enough green space for outdoor enjoyment, gardening or letting the pups stretch their legs, while the manageable size means more time enjoying your home and less time maintaining it. And the location? Convenient! You'll be close to the everyday places and amenities that make life easier while still having a home to retreat to at the end of the day. For a first-time buyer, this is more than a place to start building equity. It's a place to host your first holiday, decorate for your first Christmas, enjoy your first summer evenings, invite friends over and make memories that become part of your story. Come take a look. Your first chapter of homeownership might just begin here.

231 22nd Avenue N, Saint Cloud

Listing courtesy of TheMLSonline.com, Inc..

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