Saint Cloud, Stearns County, Minnesota Property Taxes

Name: Property Tax Bills Across Saint Cloud, Stearns County, Minnesota
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Saint Cloud, MN effective property tax rate: 1.14%, significantly higher than the national median of 1.02%, but lower than the Minnesota state median of 1.11%.
Median Saint Cloud, MN home value: $224,250
Median annual Saint Cloud, MN tax bill: $2,528, $128 higher than the national median property tax bill of $2,400.

How are property taxes in Stearns County calculated?

Property taxes in Saint Cloud, MN are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Saint Cloud’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Saint Cloud, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Saint Cloud, Stearns County, Minnesota Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.16%

Estimate Property Tax Bill

$2,719

$2,523

Ownwell’s Saint Cloud Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Saint Cloud with just two data points. By entering your property's estimated assessed value, our calculator applies Saint Cloud’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Stearns County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Saint Cloud, Stearns County, Minnesota

Local government entities set tax rates, which can vary widely within a state. This is because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Saint Cloud’s effective property tax rate to other cities in Minnesota and the median property tax rates in Minnesota and the U.S. In Stearns County, where Saint Cloud is located, the median property tax rate is 1.14%, which is higher than the national median of 1.02%. This means that homeowners in Saint Cloud might experience a slightly higher tax burden compared to the national average. However, the rate is consistent across different zip codes within the city, indicating a uniform tax policy. Understanding these rates can help homeowners make informed decisions about their property investments and potential tax liabilities.

Property Tax Rates Across Saint Cloud, Stearns County, Minnesota

Source: Ownwell

0.59%

1.00%

1.41%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Saint Cloud Tax Rate

1.16%

Median Effective Stearns County Tax Rate

1.07%

Median Effective Minnesota Tax Rate

1.13%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Saint Cloud, Stearns County, Minnesota

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
56301	0.87%	1.06%	1.15%	1.26%	1.42%
56303	0.98%	1.06%	1.16%	1.25%	1.44%
56304	N/A	N/A	N/A	N/A	N/A
56395	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Saint Cloud, Stearns County, Minnesota

When examining property taxes in Saint Cloud, Minnesota, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Stearns County Assessor's Office estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

In Stearns County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Saint Cloud.

For example, the median home price in Saint Cloud is $224,250, with tax bills ranging significantly across the county. The 56301 zip code has the highest median home price at $261,400.

Property Tax Assessment Values Across Saint Cloud, Stearns County, Minnesota

Source: Ownwell

$172,950

$343,950

$514,950

Median Saint Cloud Market Value

$234,400

Median Stearns County Market Value

$287,600

Median Minnesota Market Value

$304,400

Median United States Market Value

$235,294

Property Tax Assessment Values Across Saint Cloud, Stearns County, Minnesota

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
56301	$144,780	$184,500	$272,500	$377,500	$532,520
56303	$143,600	$173,700	$216,350	$277,600	$348,620
56304	N/A	N/A	N/A	N/A	N/A
56395	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Saint Cloud, Stearns County, Minnesota

In Saint Cloud, located in Stearns County, MN, property tax bills are calculated based on the assessed value of a home, which is determined by the local assessor. The median home price in the area is $224,250, and property tax rates are applied to this assessed value to determine the annual tax bill. For homeowners, this means that the tax bill can vary significantly, with the 25th percentile at $1,888 and the 90th percentile reaching $4,727. The highest median tax bill in the area is $2,868 in the 56301 zip code, while the lowest is $2,346 in the 56303 zip code. Compared to the national median property tax rate of 1.02% and a median tax bill of $2,400, Saint Cloud's figures highlight the potential for higher tax burdens in certain areas. Ownwell can assist homeowners in reducing their property tax bills by identifying potential savings through appeals and exemptions, ensuring that they only pay what is fair and accurate based on their property's value.

Property Tax Bills Across Saint Cloud, Stearns County, Minnesota

Source: Ownwell

$1,228

$2,609

$3,990

Median Saint Cloud Tax Bill

$2,716

Median Stearns County Tax Bill

$3,022

Median Minnesota Tax Bill

$3,364

Median United States Tax Bill

$2,400

Property Tax Bills Across Saint Cloud, Stearns County, Minnesota

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
56301	$1,521	$2,080	$3,099	$4,356	$6,323
56303	$1,448	$1,888	$2,510	$3,390	$4,358
56304	N/A	N/A	N/A	N/A	N/A
56395	N/A	N/A	N/A	N/A	N/A

Source: Ownwell