Saint Joseph Homes under $400,000

Welcome to Saint Joseph, Minnesota – a charming city nestled in the heart of Stearns County, where small-town warmth meets modern convenience. Known for its friendly atmosphere and vibrant community spirit, Saint Joseph is a hidden gem that offers a delightful blend of natural beauty and rich history. With its picturesque landscapes, serene parks, and scenic walking trails, residents enjoy a peaceful lifestyle while being just a short drive away from the bustling city of St. Cloud.

For those looking to make Saint Joseph their home, you’ll be pleased to discover a variety of beautiful properties available for under $400,000. This price range opens the door to a myriad of options, from cozy single-family homes perfect for first-time buyers to charming townhouses that offer low-maintenance living. Many of these homes boast modern amenities, spacious yards, and inviting interiors, making them ideal for families, retirees, or anyone seeking a serene retreat.

Saint Joseph is also home to a highly regarded school district, making it an excellent choice for families with children. The community is rich in local culture, with charming shops, delightful eateries, and annual events that bring neighbors together. Whether you’re enjoying a leisurely stroll through the historic downtown area or participating in one of the many community festivals, you’ll quickly feel at home in Saint Joseph.

If you’re ready to explore the possibilities of living in this enchanting city, let us help you find the perfect home that fits your lifestyle and budget. Discover the charm of Saint Joseph today!

Newest Saint Joseph Homes under $400,000

$290,000

2 Beds ⋅ 2 Baths ⋅ 7163183 MLS

Dreaming of a giant workshop? Need a garage to store all your toys? Want to run a small business just steps from your front door? Or perhaps you’d love a space for extended family to live nearby—but not with you? Then you MUST SEE this property! The home itself has so much to offer, with 900 sq. ft. of main-level living space plus an unfinished basement with an egress window. But the real showstopper? An impressive 600+ sq. ft. attached, heated workshop featuring abundant natural light and a convenient half bath! The possibilities are endless. Whether you’re dreaming of a hobby haven, extra storage, a business workspace, or a place to bring your creative ideas to life, this property offers the flexibility to make it your own. And the location? Just one block from the Lake Wobegon Trailhead! This paved, year-round trail offers 65 miles of adventure. Enjoy walking, biking, running, rollerblading, skateboarding, fishing, or snowmobiling, with local snowmobile clubs grooming the trails during winter. So many possibilities, so much potential, and so much to love! Don’t let this unique property pass you by!

702 2nd Avenue NE, Saint Joseph

Listing courtesy of Marathon Realty.

$305,000

2 Beds ⋅ 2 Baths ⋅ 7159645 MLS

Beautiful patio home located in the heart of St. Joseph, offering easy, low-maintenance living. This well-designed home features 2 spacious bedrooms plus a versatile office, perfect for working from home or accommodating guests. The primary suite includes a 3/4 bath and a generous walk-in closet. Enjoy the comfort of in-floor heating throughout and an inviting open floor plan ideal for everyday living and entertaining. The oversized two-stall heated garage provides ample storage and convenience. The association takes care of lawn maintenance and snow removal, allowing you to relax and enjoy your home year-round.

502 Graceview Loop, Saint Joseph

Listing courtesy of Agency North Real Estate, Inc.

$199,900

4 Beds ⋅ 1 Baths ⋅ 7153468 MLS

Great investment opportunity next to the College of Saint Benedict. Ideally located next to CSB campus and the allure of local shops and restaurants within walking distance of downtown St. Joe. This 4-bedroom 1 bath rental property has had a great and long-standing rental history. Home has been freshly painted and new carpet throughout. The exterior offers quality vinyl windows, vinyl siding and a good asphalt shingle. A 20x22 detached garage and a large lot provide additional value and convenience.

214 W Minnesota Street, Saint Joseph

Listing courtesy of Central MN Realty LLC.

$324,900

3 Beds ⋅ 2 Baths ⋅ 7158674 MLS

Enjoy the extensive updates and move-in-ready appeal of this home on a spacious corner lot in St. Joseph! The updated kitchen features custom white-painted cabinetry, quartz countertops, stainless steel appliances, and a blue-accented center island. The inviting great room offers attractive newer laminate wood flooring and updated paint, while the beautifully remodeled bathroom adds a fresh, modern touch. Two bedrooms are located on the main floor, with a generously sized third bedroom on the lower level featuring walk-through access to the bathroom. New carpet throughout the lower level adds to the appeal. The laundry is conveniently located on the main level, off the foyer. Outside, enjoy a 12x14 ft deck and an impressive 45x15 ft concrete patio, providing plenty of space for outdoor entertaining and relaxation. Major updates include metal siding in 2012 (also updated shutters, and whitewashed brick); a new roof in 2022; a new furnace and central air conditioner in 2024; and a new water softener in 2026. The outstanding location puts downtown St. Joseph's shopping and dining within walking distance, along with the athletic events and performing arts at the College of Saint Benedict!

1206 Callaway Street E, Saint Joseph

Listing courtesy of Agency North Real Estate, Inc.

15 E Minnesota Street Unit 210, Saint Joseph

$295,000

3 Beds ⋅ 2 Baths ⋅ 7159111 MLS

This impressive two- or three-bedroom, two-bath luxury condo sits in the heart of St. Joseph, steps from acclaimed restaurants, bakeries, craft breweries, ice cream shops, and more. Warm honey-toned wood, raised-panel doors, and beautiful oak floors add character throughout, while extra-tall windows on all four sides—a rare condo feature—fill the home with natural light. The kitchen includes newer Samsung appliances—an induction range, convection oven, and ultra-quiet dishwasher—plus quartz countertops and a large prep-and-serving island. Additional features include dependable seven-year-old Speed Queen front-load laundry appliances, a spacious walk-in closet, two balconies, a two-stall garage, a whole-house exhaust fan, and included motorized stairwell lift chairs. Meticulously maintained. Schedule your showing today!

15 E Minnesota Street Unit 210, Saint Joseph

Listing courtesy of Premier Real Estate Services.

$225,000

3 Beds ⋅ 2 Baths ⋅ 7159422 MLS

Are you looking for a fixer-upper that you can put your time and energy into to make it totally yours? Welcome to this Saint Joseph split-entry home, ready for your ideas, remodeling and design. This home offers 3-bedroom, 2-bath, 1,512 finished square feet, a spacious 0.24-acre lot, and a 1-stall garage, this home provides a comfortable blend of space, function, and potential. A great opportunity to make yourself at home in a convenient location close to the amenities of Saint Joseph and St. Cloud!

415 W Ash Street, Saint Joseph

Listing courtesy of Premier Real Estate Services.

$299,000

3 Beds ⋅ 2 Baths ⋅ 7156895 MLS

Discover all that this St. Joseph home has to offer! With thoughtful improvements, a flexible floor plan, and an abundance of usable space, this move-in ready property offers the comfort and functionality buyers are looking for. The main level features 2 bedrooms, a full bathroom, and brand-new flooring throughout, creating a fresh and inviting feel. The lower level adds an additional bedroom and 3/4 bathroom with a brand-new tile shower, plus flexible space that could be used as a family room, home office, hobby area, or additional living space. Outside, enjoy the benefits of brand-new siding and new shingles, along with a fully fenced backyard offering a great space for relaxing, entertaining, gardening, or enjoying time with pets. Conveniently located in St. Joseph near local shops, restaurants, parks, schools, and community amenities.

128 6th Avenue SE, Saint Joseph

Listing courtesy of Weichert REALTORS Tower Properties.

$195,000

3 Beds ⋅ 2 Baths ⋅ 7153972 MLS

Amazing opportunity to own a home in Saint Joesph at a great price. This property offers plenty of potential to make it your own. Walkable distance to downtown shops, parks, and dinning. Don't miss your chance to see this home schedule a showing today!

128 9th Avenue SE, Saint Joseph

Listing courtesy of Shrewd Real Estate.

$305,000

3 Beds ⋅ 2 Baths ⋅ 7152933 MLS

Welcome to 1104 E Able Street in desirable St. Joe! This 3-bedroom, 2 bath bi-level home has the comfort and features you are looking for. The upper level boasts a large living room and kitchen area that opens up to the brand-new maintenance free deck. There are 2 bedrooms on the upper level and a full bathroom. The lower level will impress with an updated shiplap wall with TV mount and electric fireplace. There is a bar for entertaining along with bar stools and mini fridge ready for your friends and family to gather. An additional bedroom and full bathroom with tile surround complete the lower level. The attached 2 stall, heated garage is perfect for the upcoming cold months. There is an additional parking pad alongside the garage for added outdoor space. Other amenities include in-ground sprinkler with sandpoint well, updated fixtures and a garden shed for extra storage.

1104 E Able Street, Saint Joseph

Listing courtesy of Central MN Realty LLC.

$379,900

2 Beds ⋅ 2 Baths ⋅ 7153791 MLS

Welcome to a very private 3 acres located on the edge of the City of St. Joseph. This is a spacious walk-out rambler with a large heated pole shed. (28' x 46') This is a unique property with lots of potential uses. The seller previously used the main level as a salon and photography studio. The main level has a commercial finish remaining with reception area, changing rooms, and salon area. This could be converted back to single-family living. The lower level has a single family living space with 2 bedrooms, 1-bathroom, kitchen and living areas. This spacious rambler could be used for an in-home business with living quarters in the basement, converted back to full living quarters on both levels or a combination of both. This might be a nice remodel investment property for the right buyer. The city currently has this property zoned for residential use. The driveway comes directly off of County Road 75. Property consists of two 2 parcels. 1 - 3.0 acre, 1 - .37 acre.

8551 County Road 75, Saint Joseph

Listing courtesy of RE/MAX Results.

$349,900

3 Beds ⋅ 2 Baths ⋅ 7149448 MLS

Move in ready Saint Joseph home with a functional layout. Quick closing okay. 3 bedrooms, 2 bath with open floor plan. Close to parks, trails and downtown amenities.

425 4th Avenue SE, Saint Joseph

Listing courtesy of Coldwell Banker Realty.

$240,000

4 Beds ⋅ 2 Baths ⋅ 7144095 MLS

MOTIVATED SELLER — PRICED TO SELL! Turn-key 4-bedroom, 2-bath home with a new roof in 2022 and updates throughout! New flooring, fresh paint, updated kitchen with stainless steel appliances, updated bathrooms, and a fully fenced yard. Just minutes from downtown St. Joseph, shopping, dining, and conveniences. Move-in ready and quick close possible! Perfect for an owner-occupant or investor looking for a great rental opportunity. Don’t wait — this one won’t last!

818 E Minnesota Street, Saint Joseph

Listing courtesy of Premier Real Estate Services.

Start Your Search

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.

Saint Joseph Homes under $400,000

Newest Saint Joseph Homes under $400,000

How much is your home worth?

How much is your home worth?