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St. Cloud village, WI

ZIP 53079 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 53079

Median Home Value
$243,200
Median Rent
$733
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,562/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 53079 in St. Cloud village, WI, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,562. That sits below the local median household income ($86,250), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
10.3%+0% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
48.4%+27% vs US avg
x
$243,200
Home Value
$733
Rent
1970
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached90.3%
  • 1-unit attached0.1%
  • 2-9 units6.3%
  • 10+ units0.0%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$243,200
Median rent$733
Owner-occupied80.9%
Vacant10.3%
Price-to-income2.8x
Est. income to buy$67,000