Saint Cloud Homes under $400,000

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 is known for its picturesque parks, rich history, and a strong sense of community. With a population of around 68,000 residents, this thriving city offers a diverse array of amenities, making it an ideal place to call home.

Saint Cloud boasts a variety of recreational options, from the scenic walking trails of Lake George to the expansive facilities at the Whitney Recreation Center. Families can enjoy the local schools, which are highly rated, and numerous community events that foster a tight-knit atmosphere. With a burgeoning arts scene, residents can explore galleries, theaters, and live music venues that dot the downtown area.

For those looking to invest in real estate, Saint Cloud presents an attractive market with homes priced under $400,000. This range offers a multitude of options, from charming single-family homes with character to modern townhouses that cater to contemporary lifestyles. Whether you’re a first-time homebuyer, a growing family, or someone looking to downsize, you will find something that fits your needs and budget.

In Saint Cloud, you can enjoy the comfort of suburban living while being just a short drive from the Twin Cities, making it perfect for commuters. With its welcoming spirit and affordable housing options, Saint Cloud is not just a place to live—it's a place to thrive. Come discover your dream home in this delightful Minnesota city!

Newest Saint Cloud Homes under $400,000

$194,900

4 Beds ⋅ 1 Baths ⋅ 7158250 MLS

Welcome to this charming and well-maintained 4 bedroom/1 bathroom home offering a wonderful blend of timeless character, modern updates, and versatile living space. Beautifully refinished hardwood floors add warmth and classic appeal, while newer vinyl plank flooring in the kitchen provides a fresh, stylish, and practical touch. The remodeled bathroom offers an updated feel, while the wood-burning fireplace creates a cozy, welcoming atmosphere perfect for relaxing on chilly autumn days. Enjoy added peace of mind with new windows installed in 2020, and major mechanical improvements, including a new furnace and central air conditioning installed in 2021. The basement features a bonus room with finished wall sheeting and an unfinished closet, offering possibilities for a hobby room, home office, recreation space, or potential fifth bedroom with the addition of an egress window. Additional features include a drain tile system, and a sump pump installed in 2016. With its appealing character, thoughtful updates, flexible living spaces, and exceptional potential, this inviting home is a wonderful opportunity for buyers looking for comfort, functionality, and room to make it their own. Don’t miss your chance to discover all this charming property has to offer!

329 2nd Avenue NE, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$389,900

3 Beds ⋅ 3 Baths ⋅ 7153834 MLS

Move-in-ready townhome in the sought-after Country Club neighborhood with abundant green space and close proximity to the golf course. Features include an updated kitchen with granite countertops, island, and stainless steel appliances. Living room offers a gas fireplace with cherrywood built-in bookshelves. Primary bedroom includes a beautiful 3/4 walk-in tiled shower, walk-in closet, and added storage. Total of 3 bedrooms (one needs egress) plus an art/craft room with sink. Enjoy a new composite deck, front brick patio, lower level brick patio and a roof only one year old. Timeless design and quality throughout.

506 Brook Lane, Saint Cloud

Listing courtesy of Coldwell Banker Realty.

$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.

$369,900

4 Beds ⋅ 3 Baths ⋅ 7156656 MLS

Welcome home to this beautifully maintained rambler nestled in a desirable West St. Cloud neighborhood, where peaceful views of undeveloped city parkland create a private and scenic backdrop. Designed with comfortable one-level living in mind, this home offers an ideal layout for a variety of lifestyles. The main level features a spacious living room filled with natural light, a functional kitchen, convenient main-floor laundry, and a relaxing primary suite complete with a private ¾ bath. A second bedroom and full bathroom provide flexibility for guests, family, or a home office, allowing you to enjoy everything you need on one level. The finished lower level expands your living space with a large family room & two additional bedrooms and a ¾ bath. The fourth bedroom offers endless possibilities and could easily serve as a craft or quilting room, home theater, exercise studio, hobby space, or private retreat tailored to your needs. You may also appreciate the three-stall garage, which is fully insulated and already set up for the future addition of a heater. The coated garage floor makes cleanup a breeze and provides an attractive, low-maintenance finish for year-round use. Don't miss the opportunity to make this inviting rambler your own!

1037 Cory Lane, Saint Cloud

Listing courtesy of Edina Realty, Inc.

$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.

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