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City · 19,758 residents · Stearns County, Minnesota

Sartell , Minnesota

In Sartell, a typical home is worth $297,300 and typical rent is $1,275 a month. Compared with all of Stearns County, typical rent is 19% higher, typical household income is 9% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $297,300

    9% above the county

    10% below Minnesota

    • Sartell
    • Stearns
    • Minnesota

  • Typical rent

    $1,275a month

    19% above the county

    About the same as Minnesota

    • Sartell
    • Stearns
    • Minnesota

  • Typical household income

    $84,131a year

    9% above the county

    6% below Minnesota

    • Sartell
    • Stearns
    • Minnesota

  • Households that own their home

    62%

    6 points below the county

    10 points below Minnesota

    • Sartell
    • Stearns
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$335,685
2.3% more than 12 months ago
Typical rent
$1,462 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Sartell is in Stearns County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Stearns County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sartell apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Becker, the typical rent is $889: 30% less than in Sartell ($1,275).

  2. Nearby, in Waite Park, the typical home value is $219,400: 26% less than in Sartell ($297,300).

  3. The typical rent in Sartell is $1,275 a month, 19% more than in Stearns County as a whole ($1,068).

  4. 62% of households in Sartell own their home, against 68% in Stearns County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Sartell

What homes there are in Sartell, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Sartell, 6 in 10 homes are single-family detached houses; in Stearns County, 7.

Year built

The typical home in Sartell was built in 2001, 16 years after the typical one in Stearns County.

Homes in Sartell are smaller: 60% have 3 bedrooms or more; in Stearns County, 64%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Sartell sit under the FHA limit for Stearns County ($541,287): about 88%.

Monthly rent with utilities

With a mortgage

$1,916 a month

Stearns County: $1,696 a month

Without a mortgage

$653 a month

Stearns County: $646 a month

Owners with a mortgage

68%

Stearns County: 59%

Owning costs more in Sartell: with a mortgage, the typical cost is $1,916 a month; in Stearns County, $1,696. Without one, $653.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Sartell rose at about the same pace as in Stearns County: 48% against 48%.

Since 2015–2019, the typical rent in Sartell rose 32%, more than in Stearns County (28%).

Housing prices ran ahead of income in Sartell: typical income rose 13%, against +48% for home values and +32% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSartellStearns CountyMinnesotaUnited States
Rental vacancy Unreliable estimate5.1%5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate3.2%2.3%3.4%
People per household 2.552.502.432.53
Drive alone 81%75%69%69%
Carpool 6%8%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 12%11%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Sartell has 2.55 people on average, about the same as in Stearns County (2.50).

To get to work, 81% of workers in Sartell drive alone; in Stearns County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Sartell?

A typical home costs more than the typical income allows

We start with a typical home in Sartell, worth $297,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Sartell, which is $84,131 a year. For that payment to be 28% of income, a household would need to earn about $108,225 a year.

The calculator's FHA and conventional loan limits are those of all of Stearns County.

Your numbers

Local data
$

Starts at the typical home value in Sartell. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,406 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,525

at 7.18% · 30 years

Loan amount
$291,915
Total interest
$419,997
Paid off in
November 2056

Includes $5,021 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,963 a month

  • Tight

    $1,963 to $2,524 a month

  • Hard

    more than $2,524 a month

    Your payment · 36%

Compared with the typical household income in Sartell ($84,131 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,525
Principal & interest$1,978
Property tax$292
Home insurance$124
FHA mortgage insurance (MIP)$131

You need at least $10,406 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Sartell and Stearns County

Sartell is in Stearns County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Sartell's own numbers

Typical home value
$297,300
Typical monthly rent
$1,275
Typical yearly household income
$84,131
Households that own their home
62%
Effective property tax rate
1.18%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Stearns County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,233
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Stearns County.

Everything about Stearns County

Buying

Buying a home in Sartell

A typical home in Sartell is worth $297,300: 9% above the county and 10% below Minnesota. With the typical household income in Sartell ($84,131 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Sartell 3.5 years
  • Stearns 3.5 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Stearns County

According to FHFA’s house price index, home prices in Stearns County rose 76% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Stearns County.

Period County Minnesota U.S.
Last year (2025) +2.2% +2.8% +2.9%
5 years (2020–2025) +43% +37% +47%
10 years (2015–2025) +76% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Sartell next to Stearns County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Sartell $297,300
  • Stearns $273,400
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Sartell $1,275
  • Stearns $1,068
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Sartell $84,131
  • Stearns $77,066
  • Minnesota $89,062
  • United States $80,734
See the full table
Sartell next to Stearns County and Minnesota
Measure Sartell Stearns County Minnesota U.S.
Typical home value $297,300 $273,400 $329,300 $332,700
Typical monthly rent $1,275 $1,068 $1,280 $1,413
Typical yearly household income $84,131 $77,066 $89,062 $80,734
Households that own their home 62% 68% 72% 65%
Typical yearly property tax $3,507 $2,742 $3,357 $3,119
Effective property tax rate 1.18% 1% 1.02% 0.94%
Renters with high rent for their income 55% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stearns County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Sartell

For a typical $297,300 home in Sartell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sartell's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,525a month

    Least cash to close
    Down payment
    $10,406
    Cash to close
    $19,325
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,471a month

    Down payment
    $14,865
    Cash to close
    $23,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $2,027a month

    Down payment
    $59,460
    Cash to close
    $68,379
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,302a month

    Down payment
    $44,595
    Cash to close
    $53,514
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Sartell and for Stearns County.

Property tax

Effective rate in Sartell

1.18%of the home’s value each year

$3,507 a year for the typical owner in Sartell.

  • Sartell 1.18%
  • Stearns 1%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in Stearns County

FEMA does not publish these numbers by city: they are for all of Stearns County.

Homes in the high-risk zone
1.2%
784
Of those, with NFIP insurance
15%
County Minnesota U.S.
Homes in the high-risk zone 1.2% 0.7% 3.5%
Of those, with NFIP insurance 15% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sartell

Typical rent in Sartell is $1,275 a month: 19% above the county. In Sartell, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Stearns County, by unit size. To pay the 2-bedroom one ($1,233 a month) without spending more than 30% of your income, you would need to earn $23.71 an hour working full time.

HUD fair market rent for all of Stearns County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $884 $17.00 $35,360
1 bedroom $961 $18.48 $38,440
2 bedrooms $1,233 $23.71 $49,320
3 bedrooms $1,656 $31.85 $66,240
4 bedrooms $1,961 $37.71 $78,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Sartell

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sartell is in ZIP code 56377.

For 2 bedrooms it is $1,410: $177 more than the fair market rent for Stearns County ($1,233).

  • 56377 $1,410$1,890

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sartell when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Sartell

HUD lists 5 buildings with rents for lower incomes in Sartell. These are the largest.

  • Sartell Senior Housing, Inc. 1221 22nd St S, Sartell 56377 43 low-income homes · For older adults (651) 645-7271
  • Pheasant Crest Townhomes Multiple Building Addresses, Sartell 56377 42 homes, 41 low-income · 2 bd: 21 · 3 bd: 21 · In service since 2004 · For families
  • Burl Oaks Townhomes Multiple Building Addresses, Sartell 56377 38 homes, 37 low-income · 2 bd: 18 · 3 bd: 20 · In service since 2012 · For families, people experiencing homelessness
  • Sartell Supportive Housing, Inc. 243 Sundance Rd, Sartell 56377 15 low-income homes · For people with disabilities (651) 645-7271
  • Granite Hill Homes Multiple Building Addresses, Sartell 56377 10 low-income homes · 3 bd: 10 · In service since 1995

See all 56 buildings in Stearns County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sartell

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Stearns County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Sartell

No down payment, repair or rent-help program on our list is for Sartell or Stearns County. The ones below are statewide in Minnesota: they work in Sartell the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near Sartell

The HUD-approved agencies closest to the center of Sartell, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Lutheran Social Service of Minnesota

    716 E Street, Brainerd · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (888) 577-2227

  • Lutheran Social Service of Minnesota

    1601 Hwy 12 E, Willmar · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (888) 577-2227

  • Community Action Partnership of Hennepin County

    7101 Northland Cir N, Brooklyn Park · 54 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (952) 697-1303

All counseling agencies in Minnesota

Help in Spanish near Sartell

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Sartell

HUD’s record names them for Sartell or Stearns County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Stearns County Hra Public housing and Section 8 vouchers (320) 685-7771

3 other authorities have an office in Stearns County: see the list Source: HUD

Cities

Other cities in Stearns County

These cities are also in Stearns County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Stearns County Housing in Minnesota

Nearby cities

The cities closest to Sartell, with the typical home value.

Neighboring counties

If Stearns County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Sartell.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Sartell

Short answers with the numbers for Sartell and all of Stearns County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Sartell?

The typical home value in Sartell is $297,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stearns County it is $273,400.

How much does it cost to rent in Sartell?

Typical rent in Sartell is $1,275 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stearns County is $1,233.

What is the FHA loan limit in Sartell?

Sartell uses the FHA limit for all of Stearns County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Sartell?

The typical homeowner in Sartell pays $3,507 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Stearns County, the rate is 1%.

Where can I find free help to buy or rent in Sartell?

We found no HUD-approved counseling agencies with an office in Stearns County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).