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Market MapMinnesotaStearns

Stearns County

MinnesotaPopulation: 158,622
60
/100
Buy
#506 of 1,000 counties
#64 in Minnesota (87 counties)

Market Snapshot

$306,138
Median Home Price
12% above national median
$1,255/mo
Median Rent
16% below national median
4.92%
Rent-to-Price Ratio
Top 78% nationally
-$788
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$306,138
Down Payment (20%)$61,228
Loan Amount$244,910
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,255
Monthly P&I-$1,605
Est. Expenses (35%)-$439
Net Cash Flow-$788/mo
3.2%
Cap Rate (all cash)
-13.4%
Cash-on-Cash Return
4.92%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
60/100
60
Cash Flow(30%)
44/100

Based on 4.92% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
83/100

Based on 4.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
67/100

Price-to-income ratio of 4.2x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.92%)
  • -Negative cash flow at typical financing (-$788/mo)
  • -Negative leverage (cap rate 3.2% < mortgage rate 6.9%)

Economic Indicators

Population
158,622
Median Income
$73,105
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.2x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
CurrentStearnsMN
60$306,138$1,2554.92%Buy
HennepinMN
60$374,793$1,7435.58%BuyView
WashingtonMN
60$428,544$2,0155.64%BuyView
RiceMN
60$340,873$1,4194.99%BuyView
LakeMN
60$266,920Est. pending—BuyView
FillmoreMN
59$273,954Est. pending—HoldView

The Bottom Line

BuyStearns offers solid investment potential with good cash flow or appreciation prospects.

Stearns County in Minnesota scores 60/100, ranking #506 of 1,000 US counties (top 50%). The 4.92% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-788/mo
Cap Rate
3.2%
Cash-on-Cash
-13.4%

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