Saint Cloud Homes under $400,000

Welcome to Saint Cloud, Minnesota—a vibrant city that perfectly blends small-town charm with urban conveniences. Nestled along the banks of the beautiful Mississippi River, Saint Cloud offers a rich history, stunning natural landscapes, and a welcoming community that makes it an ideal place to call home.

For those seeking affordable housing options, Saint Cloud is a treasure trove of opportunities. With a variety of homes available for under $400,000, you can find the perfect residence that suits your lifestyle and budget. From cozy single-family homes to modern townhouses, the real estate market here caters to diverse preferences and needs. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, Saint Cloud has something for everyone.

Living in Saint Cloud means enjoying a plethora of amenities. The city boasts excellent schools, numerous parks, and a vibrant downtown area filled with shops, restaurants, and cultural attractions. Outdoor enthusiasts will appreciate the extensive trails and recreational areas, perfect for hiking, biking, and enjoying the beautiful Minnesota seasons.

Moreover, Saint Cloud’s strategic location provides easy access to both Minneapolis and St. Paul, making it an excellent choice for commuters who want to enjoy the tranquility of suburban life while being close to the hustle and bustle of the Twin Cities.

Discover the charm and affordability of Saint Cloud, where your dream home awaits at an accessible price point. Embrace the lifestyle that this wonderful city has to offer, and start your journey to homeownership in Saint Cloud today!

Newest Saint Cloud Homes under $400,000

$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.

$354,900

4 Beds ⋅ 3 Baths ⋅ 7156117 MLS

Step into comfort and style in this modified bi-level 4-bedroom, 3-bath home featuring a bright, open layout with vaulted ceilings and quality finishes throughout. The kitchen shines with white cabinetry, stainless steel appliances, a center island, a gas range, and a walk-in pantry—perfect for everyday living and entertaining. The standout third-level owner’s suite offers privacy, a spacious walk-in closet, and a private bath. The lower level is partially finished. Much of the work is completed and awaiting for the new owner to finish to their personal preferences! It features an additional (4th) bedroom, full bath, and an expansive family/recreation room. Enjoy a 30x36 insulated 3-stall garage, a tree-lined backyard, and in-ground sprinklers. Nestled in the peaceful Ayers Pond neighborhood—come experience it for yourself!

250 29th Avenue SE, Saint Cloud

Listing courtesy of RE/MAX Results.

$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..

$214,900

3 Beds ⋅ 2 Baths ⋅ 7154920 MLS

Turn-key living awaits in this beautifully newly updated ranch-style home, offering a perfect blend of modern upgrades and functional design. The main floor features a spacious layout with three bedrooms and beautifully updated bathroom. At the heart of the home is a large, remodeled kitchen equipped with fresh paint, new flooring, premium stainless steel appliances, and ample cabinetry. Many updates including but not limited to new paint throughout the home, new flooring, new asphalt driveway, and much more!! The partially finished lower level adds immediate living space with a huge, cozy family room and remodeled half bathroom, while still leaving plenty of room to expand, finish, and customize to your exact needs. Step outside to enjoy a fantastic, fully fenced backyard—ideal for outdoor dining, pets, and recreation. Complete with an oversized double garage providing excellent storage, this home is entirely move-in ready. All of this close to local transportation, three parks, Munsinger Flower Park, and easy access to the Hwy

1202 11th Avenue SE, Saint Cloud

Listing courtesy of RE/MAX Results.

$330,000

4 Beds ⋅ 2 Baths ⋅ 7154894 MLS

Room to Grow, Space to Play & Updates Already Done! Welcome home to this beautifully maintained split-level offering a fantastic layout, plenty of space, and a backyard ready for fun! From the moment you step inside, you’ll appreciate the spacious entryway—because nobody loves the split-level shuffle when everyone walks in at once! The kitchen is bright and functional with stainless steel appliances and a center island, creating a natural gathering spot for morning coffee, quick meals, or entertaining. Throughout the home, the carpeting has been exceptionally well cared for and remains in great condition. With four bedrooms—two on each level—and a full bathroom on both levels, this floor plan offers wonderful flexibility for families, guests, a home office, or hobby space. Downstairs, the cozy family room features a gas-burning fireplace, making it the perfect place for movie nights and chilly Minnesota evenings. One feature you’ll especially appreciate is the convenient garage access from both the main entryway and the lower level, making everyday life just a little easier. Step outside to a fully fenced backyard with sturdy vinyl fencing, giving kiddos and four-legged family members plenty of room to run, play, and enjoy the outdoors. And the big-ticket items? Several have already been taken care of! The home features a newer roof installed in 2023, a new water heater, air exchange system, and radon mitigation system—adding comfort and peace of mind for the next owners. Comfortable, well cared for, and ready for its next chapter—this is one you’ll want to see in person!

2175 67th Avenue N, Saint Cloud

Listing courtesy of RE/MAX Results.

$230,000

3 Beds ⋅ 2 Baths ⋅ 7149337 MLS

Welcome home to this amazing opportunity right in the heart of Saint Cloud. This home is waiting for you to add your finishing touches and really make it your own. The corner lot, garage space and deck make it easy and fun to entertain friends and family. There is currently a 4th non-conforming bedroom, that could easily be finished by adding a proper door. The opportunities are endless, don't wait to schedule a showing.

1000 14th Street S, Saint Cloud

Listing courtesy of Keller Williams Preferred Rlty.

$175,000

5 Beds ⋅ 2 Baths ⋅ 7152680 MLS

New Roof September 2026. Make this your own home, or consider this Prime Rental Opportunity Near SCSU 5 Bed | 2 Bath | Licensed for 4 Bedrooms Excellent opportunity to own a well-located rental property just minutes from St. Cloud State University. This 5-bedroom, 2-bath home is currently licensed for 4 bedrooms and generates $1,875 per month in rental income. The home features four upper-level bedrooms, a spacious living room with hardwood floors, and newer flooring in the kitchen and dining area. A separate basement entrance adds flexibility for tenants or future use. Outside, the property offers ample off-street parking plus a large detached garage with a loft area, providing abundant storage space. Tenants are responsible for gas and electric, while the owner pays water, sewer, and garbage, keeping operating expenses manageable. With its layout and location, this property also offers the potential to transition back to a single-family home once the current lease expires. Current Lease in place until April 2027.

511 6th Avenue S, Saint Cloud

Listing courtesy of VoigtJohnson.

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