Saint Cloud Homes under $250,000

Welcome to Saint Cloud, Minnesota—a vibrant city that perfectly blends small-town charm with urban amenities. Nestled along the banks of the Mississippi River, Saint Cloud is known for its rich history, picturesque parks, and a strong sense of community. With a population of around 67,000, this thriving city offers a welcoming atmosphere, making it an ideal place for families, professionals, and retirees alike.

Saint Cloud boasts a variety of recreational opportunities, including the stunning Munsinger Clemens Gardens and the expansive Lake George, where residents can enjoy picnicking, fishing, and scenic walks. The city is also home to a bustling downtown area filled with unique shops, delicious dining options, and cultural attractions, including the Paramount Center for the Arts.

For those looking to invest in real estate, Saint Cloud presents an exciting opportunity with an array of homes available under $250,000. Whether you’re a first-time homebuyer or seeking an investment property, you’ll find charming single-family homes, cozy townhouses, and even some delightful condos within this budget. These affordable options not only provide a great value but also allow you to be part of a community that is continuously growing and evolving.

With its affordable housing market and a plethora of amenities, Saint Cloud is a hidden gem in Minnesota. Come explore the possibilities and discover why so many are proud to call this wonderful city home!

Newest Saint Cloud Homes under $250,000

$239,000

COMING SOON Status ⋅ 5 Beds ⋅ 2 Baths ⋅ 7153254 MLS ⋅ 2,144 SqFt.

Welcome home to this move-in-ready 5-bedroom, 2-bathroom home in a convenient North St. Cloud location. Situated on a corner lot, this well-maintained home offers comfortable living space and a detached 2-stall garage. Conveniently located near shopping, dining, and everyday amenities, this is a great opportunity to enjoy a home that’s ready for you to make your own while building equity along the way.

1051 25th Avenue N, Saint Cloud

Listing courtesy of Trust Real Estate Company, LLC.

$194,900

COMING SOON Status ⋅ 4 Beds ⋅ 1 Baths ⋅ 7158250 MLS ⋅ 1,100 SqFt.

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.

$189,900

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7158014 MLS ⋅ 1,241 SqFt.

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

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7146935 MLS ⋅ 1,660 SqFt.

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

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7157813 MLS ⋅ 1,580 SqFt.

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

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7155174 MLS ⋅ 1,280 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7143606 MLS ⋅ 1,576 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7133572 MLS ⋅ 1,431 SqFt.

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.

$233,000

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7156925 MLS ⋅ 2,022 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 7156346 MLS ⋅ 1,166 SqFt.

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.

$225,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7155361 MLS ⋅ 1,265 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7154920 MLS ⋅ 1,602 SqFt.

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.

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