ZIP 56376 · Saint Martin, MN · 313 residents · September 2026
Saint Martin 56376: the market leans toward buyers.
Conditions easing in buyers' favor. Typical home value $256K, −1.7% over 12 months.
Market balanceSeptember 2026
In Mar 2026: +26
Higher than 42% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026+26
- Apr 2026−38
- May 2026−43
- Jun 2026−22
- Jul 2026−34
- Aug 2026—no reading on record
- Sep 2026−34
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- Sale-to-list 95.2%homes close below asking · Redfin, May 2026
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin, May 2026.
Softening: prices −1.7% over the trailing year, with the market leaning toward buyers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown.
Prices
Typical home value since 2013, and how far it moved over each window.
Zillow ZHVI peaked at $252,383 in July 2026, which is the latest value. Since January 2019 it is +59.2%. The sharpest 12-month move was −1.2%, ending April 2026.
Zillow's typical home value here, $256K in August 2026, is 11% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved −1.7% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Starter homes here rose 28% in five years while top-tier homes rose 20% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.
Zillow typical values by price tier, home type and bedrooms, June 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Minnesota rank |
|---|---|---|---|---|
| 1 year | −1.7% | −1.7%/yr | Higher than 14% nationally | Higher than 3% in Minnesota |
| 3 years | +10.1% | +3.3%/yr | Higher than 63% nationally | Higher than 73% in Minnesota |
| 5 years | +27.5% | +5.0%/yr | Higher than 64% nationally | Top 15% in Minnesota |
| 10 years | +91.0% | +6.7%/yr | Higher than 65% nationally | Top 9% in Minnesota |
| Since 2013 | +161.1% | +7.4%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$1,99836% of the median household income here ($67,500)Between the 28% and 36% lines lenders use. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Buying costs $958 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 3.8× the median household income here, against 3.9× in the median MN ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $67,500 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 22 scored ZIPs in Stearns County.
Everyday prices
Everyday prices in the St. Cloud metro run 12% below the U.S. average (BEA Regional Price Parities, 2024).
Rents in the index run 35% below the U.S. average.
$75,000 at U.S.-average prices buys what $65,700 buys here.
Metro-level index, U.S. = 100 · 2024 · the St. Cloud metro, not this ZIP alone.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
32Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
7 scored Minnesota ZIPs within 12 miles; the ones below score within ten points and cost less.
Dots are Minnesota ZIP centers colored by market balance; the ring is 12 miles.
Sources and freshness
Every figure on this page, where it came from and when.
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