Saint Joseph Homes under $400,000

Welcome to Saint Joseph, Minnesota – a charming gem nestled in Stearns County that perfectly blends small-town warmth with modern conveniences. Known for its vibrant community spirit, Saint Joseph offers a picturesque setting ideal for families, young professionals, and retirees alike. With its tree-lined streets, friendly neighbors, and rich local culture, this town is a wonderful place to call home.

Saint Joseph boasts a variety of recreational opportunities, including beautiful parks, scenic walking trails, and access to the serene waters of the nearby lakes. The community is also home to the renowned College of Saint Benedict, which adds a youthful energy and a diverse array of cultural events, making it an exciting place to live.

For those seeking affordable housing options, Saint Joseph is an excellent choice. With homes available under $400,000, you'll find a range of properties that cater to various tastes and lifestyles. Whether you're looking for a cozy single-family home, a modern townhome, or a charming cottage, the real estate market here has something for everyone. Many of these homes feature spacious yards, updated interiors, and proximity to local amenities, making them perfect for both first-time buyers and those looking to downsize.

With its friendly atmosphere, excellent schools, and strong sense of community, Saint Joseph is not just a place to live—it's a place to thrive. Explore the possibilities of making this delightful town your new home, and discover the perfect property that fits your budget and lifestyle. Welcome to your future in Saint Joseph!

Newest Saint Joseph Homes under $400,000

$299,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7156895 MLS ⋅ 1,846 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7153972 MLS ⋅ 1,570 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7152933 MLS ⋅ 1,700 SqFt.

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

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7153791 MLS ⋅ 3,872 SqFt.

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

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7149448 MLS ⋅ 1,334 SqFt.

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

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7144095 MLS ⋅ 1,460 SqFt.

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.

$289,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7137801 MLS ⋅ 1,248 SqFt.

Must see this 3 bed, 2 bath rambler in St.Joe! You'll love the fenced in backyard! Swing set is included! Future possibility to finish the basement with a family room and 2 more bedrooms! (Buyers agent to verify all measurements/info.)

127 8th Avenue SE, Saint Joseph

Listing courtesy of Main Street Real Estate.

$399,900

ACTIVE Status ⋅ 4 Beds ⋅ 2 Baths ⋅ 7126499 MLS ⋅ 2,352 SqFt.

Enjoy Country Living on 5 Acres Just Minutes from St. Joseph Discover the privacy and space you've been searching for with this well-maintained split-entry home on 5.01 acres in scenic Brockway Township. The main level features a spacious living room, functional kitchen with center island, dining area, two bedrooms, and a full bath. Step outside to the maintenance-free composite deck with a retractable awning, perfect for relaxing in the shade while enjoying peaceful country views. The lower level offers a large family room, wet bar area, two additional bedrooms, and a second full bath. While some cosmetic updates such as paint and flooring could refresh the space, the home's layout and square footage provide a great opportunity to build equity and make it your own. Recent mechanical updates include an electric boiler for the radiant heat system that's less than two years old, ductless mini-split air conditioning, heat pump technology, and fiber optic internet. Outside, you'll appreciate the attached 2-stall garage, storage shed, and expansive acreage with plenty of room for recreation, gardening, hobbies, or simply enjoying the quiet countryside. Experience the best of country living just minutes from St. Joseph.

39983 120th Avenue, Saint Joseph

Listing courtesy of Midwest Realty, LLC.

$299,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7127245 MLS ⋅ 1,936 SqFt.

Introducing 504 Elena Lane in St. Joseph. This three-bedroom, two-bathroom split-entry home was built in 2005 and features over 1,900 square feet of finished living space. Situated on a corner lot in the sought-after Graceview Estate development, the home’s exterior provides a large open green space with room to roam. Inside the home we find an open foyer space leading to an upper-level kitchen & dining combo area that makes entertaining a breeze. The upper level also provides two bedrooms, one of which is a primary with pass-through access to a full bathroom. As we explore the lower level, we find a huge open family room that is ready to handle any of your design ideas as well as another bedroom and full bathroom. Don’t overlook the large utility / laundry room, with space for extra storage. Speaking of storage, the three-stall insulated garage is ready for your stuff! All of this in a convenient location with easy access to parks, retail, dining, and all that St. Joe has to offer!

504 Elena Lane, Saint Joseph

Listing courtesy of Your Next Place Real Estate.

$349,900

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7125031 MLS ⋅ 2,324 SqFt.

Nestled at the end of a quiet cul-de-sac with no through traffic, this highly desirable location offers the perfect balance of serene, private living and close-to-town convenience. Surrounded by towering trees, the property features a maintenance-free wrap-around deck with sweeping views of your own private forest bordering over 100 acres of peaceful farmland. Inside, a bright and inviting kitchen comes equipped with stainless steel appliances and a spacious walk-in pantry. The sunlit lower level is fully equipped as an independent in-law suite complete with its own kitchenette. You'll also find a versatile bonus room—ideal for a fourth bedroom, home office, exercise room, or extra media space. Key Features & Recent Upgrades: *3–4 Bedrooms / Flexible Layout: Includes a full lower-level in-law suite and adaptable bonus room. *Modern Kitchen: Stainless steel appliances and a walk-in pantry. *Outdoor Oasis: Wrap-around maintenance-free deck overlooking a private wooded setting next to 100+ acres of farmland. *New Roof (2025): Professionally installed for lasting peace of mind. *New Flooring (2026): Fresh, updated flooring throughout the entire home. *Comfort & Convenience: Dual heating systems and a reverse osmosis system for clean drinking water. Come check it out today!

29414 Kiwi Court, Saint Joseph

Listing courtesy of RCN Realty, LLC.

24 College Avenue N Unit 305, Saint Joseph

$240,000

ACTIVE Status ⋅ 1 Beds ⋅ 1 Baths ⋅ 7123793 MLS ⋅ 628 SqFt.

**Incentive - Go Under Contract For Purchase In 2026 And A Garage Stall Will Be Included!** Welcome to 24 North Lofts in sought-after downtown St. Joseph. This stylish luxury condo blends comfort and convenience, with parking lot access included and attached or detached garage spaces available for purchase. Enjoy a private balcony with wrought-iron-style railing, a patio door, and large west-facing windows overlooking treetops and downtown Saint Joseph rooflines. The open loft-style layout brings the kitchen, dining, and living areas together and features one bedroom, a den with a sliding glass loft door, a gas fireplace, built-ins, and a full bathroom. Just steps from top local shopping and dining, this inviting home is well suited as a primary residence or a rental when you're away. Nearby parks and trails add to the appeal, along with shared amenities including a fitness room, rooftop deck, and elevator, all partially powered by rooftop solar panels. Worry-free luxury condo living awaits—schedule your showing today!

24 College Avenue N Unit 305, Saint Joseph

Listing courtesy of Premier Real Estate Services.

24 College Avenue N Unit 207, Saint Joseph

$375,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7123735 MLS ⋅ 1,067 SqFt.

**Incentive - Go Under Contract For Purchase In 2026 And A Garage Stall Will Be Included!** Welcome to 24 North Lofts in desirable downtown St. Joseph. This corner penthouse luxury condo blends standout style with everyday convenience, including parking lot access and the option to purchase attached or detached garage spaces. Enjoy sweeping south- and west-facing views of the College of Saint Benedict, downtown rooftops, and Saint Joseph’s tree-lined surroundings. A wraparound covered balcony with patio doors provides approximately 700 square feet of outdoor living space with wrought-iron-style railing. Inside, the open-concept layout features two bedrooms, two bathrooms, a gas fireplace, abundant natural light, and a private patio. A granite top for the kitchen island is on order. Just steps from top local shopping and dining, this inviting home works beautifully as a primary residence or a rental when you’re away. Nearby parks and trails add to the appeal, along with shared amenities such as a fitness room, rooftop deck, and elevator, all partially powered by rooftop solar panels. Worry-free luxury condo living awaits—schedule your showing today!

24 College Avenue N Unit 207, Saint Joseph

Listing courtesy of Premier Real Estate Services.

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