Stearns County Homes under $250,000

Welcome to Stearns County, Minnesota, a hidden gem in the heart of the Midwest! Known for its picturesque landscapes, vibrant communities, and rich history, Stearns County is a wonderful place to call home. Nestled between the beautiful lakes and rolling hills, this county offers a blend of small-town charm and modern conveniences, making it an ideal location for families, retirees, and everyone in between.

One of the most exciting aspects of Stearns County is its diverse real estate market, particularly for those seeking affordable housing options. With homes priced under $250,000, you can find a variety of charming properties that cater to different lifestyles. Whether you’re searching for a cozy starter home, a quaint bungalow, or a spacious family residence, Stearns County has something to suit your needs without breaking the bank.

Imagine waking up to the serene beauty of Minnesota's natural landscapes, with easy access to outdoor activities such as hiking, fishing, and biking. The county is home to several parks and recreational areas, providing ample opportunities for adventure and relaxation. Plus, with a strong sense of community and excellent schools, families will find a nurturing environment for their children to grow and thrive.

Stearns County is not just about affordability; it’s about quality of life. From local farmers' markets to vibrant festivals, there’s always something happening in this lively region. Explore the charming towns of St. Cloud, Cold Spring, and Sartell, where you’ll find delightful shops, restaurants, and cultural attractions.

Discover your dream home in Stearns County today, and experience the perfect blend of affordability, community, and natural beauty!

Newest Stearns County Homes under $250,000

$230,000

3 Beds ⋅ 2 Baths ⋅ 7149337 MLS

Welcome home to this amazing opportunity right in the heart of Saint Cloud. This home is waiting for you to add your finishing touches and really make it your own. The corner lot, garage space and deck make it easy and fun to entertain friends and family. There is currently a 4th non-conforming bedroom, that could easily be finished by adding a proper door. The opportunities are endless, don't wait to schedule a showing.

1000 14th Street S, Saint Cloud

Listing courtesy of Keller Williams Preferred Rlty.

$224,900

3 Beds ⋅ 2 Baths ⋅ 7154103 MLS

Welcome to this well-cared-for rambler in the heart of Waite Park! Step inside to a comfortable and inviting layout designed for easy everyday living. The main level features two bedrooms, an inviting living room, and a large kitchen. Downstairs, the newly finished lower level adds even more living space, complete with an additional bedroom and 3/4 bathroom. Outside, you’ll appreciate the spacious attached garage, along with an oversized detached garage in the backyard. Offering plenty of room for extra storage, hobbies, or a workshop.

216 2nd Avenue N, Waite Park

Listing courtesy of Morgan & Co..

$175,000

5 Beds ⋅ 2 Baths ⋅ 7152680 MLS

New Roof September 2026. Make this your own home, or consider this Prime Rental Opportunity Near SCSU 5 Bed | 2 Bath | Licensed for 4 Bedrooms Excellent opportunity to own a well-located rental property just minutes from St. Cloud State University. This 5-bedroom, 2-bath home is currently licensed for 4 bedrooms and generates $1,875 per month in rental income. The home features four upper-level bedrooms, a spacious living room with hardwood floors, and newer flooring in the kitchen and dining area. A separate basement entrance adds flexibility for tenants or future use. Outside, the property offers ample off-street parking plus a large detached garage with a loft area, providing abundant storage space. Tenants are responsible for gas and electric, while the owner pays water, sewer, and garbage, keeping operating expenses manageable. With its layout and location, this property also offers the potential to transition back to a single-family home once the current lease expires. Current Lease in place until April 2027.

511 6th Avenue S, Saint Cloud

Listing courtesy of VoigtJohnson.

$229,000

3 Beds ⋅ 2 Baths ⋅ 7153988 MLS

Beautifully remodeled rambler blending classic charm with fresh, modern finishes! The spacious, sun-filled living room features large windows, wood-look flooring, and an inviting fireplace. The updated kitchen showcases white cabinetry, contrasting black hardware, sleek countertops, stainless steel appliances, and a coordinating black faucet. Neutral paint, crisp white trim, updated lighting, and soft bedroom carpeting create a cohesive feel throughout. Mature trees, refreshed landscaping, and an attractive front entry add welcoming curb appeal. Conveniently located near South Junior High School, with McKinley Park and Lake George/Eastman Park nearby for outdoor recreation. Enjoy easy access to St. Cloud State University, Munsinger and Clemens Gardens, and downtown St. Cloud’s dining, shopping, and entertainment. A beautifully refreshed home with convenient access to everyday amenities and local attractions! Contract for deed available as well on case to case basis.

1020 15th Avenue S, Saint Cloud

Listing courtesy of Pemberton RE.

$225,000

3 Beds ⋅ 2 Baths ⋅ 7151215 MLS

Welcome home to main floor living in Paynesville! This 1,620 sq. ft. rambler offers 3 bedrooms and 2 baths, all conveniently situated on one level. Enjoy natural woodwork, hardwood floors, a bright kitchen with a window, and an informal dining room. The primary bedroom features an ensuite 3/4 bath and a walk-in closet. Step outside through the breezeway to enjoy the porch and deck on a spacious, partially fenced 0.59 acre lot. Includes an attached, insulated car garage (26x18), a main floor laundry/breezeway area, and a full unfinished basement offering tons of extra potential for storage or future finishing. Connected to city water and sewer. Conveniently located near downtown Paynesville!

582 Business 23 W, Paynesville

Listing courtesy of Keller Williams Integrity NW.

$219,900

4 Beds ⋅ 2 Baths ⋅ 7149318 MLS

Beautifully maintained and nicely updated, this spacious turn-of-the-century two-story offers an open floor plan, generous room sizes, and plenty of charm and character throughout, and an attached garage! The main level welcomes you with a comfortable sitting room that flows into the formal dining area and then into the spacious living room, all enhanced by 9-foot ceilings and great natural light. The bright, open kitchen features a large center island, a massive window, and additional cabinet and counter space. Upstairs, you’ll find four generously sized bedrooms on the same level, including one with access to a covered balcony. Recent updates include flooring, carpet, fresh paint, and refreshed vanity tops. Large windows and solid paneled doors add to the home’s character, while the convenient laundry room offers cabinets and counter space for folding. Additional highlights include maintenance-free vinyl windows, an inviting covered wrap-around deck, and an attached two-car garage with built-in overhead storage racks. Conveniently located close to parks, schools, shopping, and more.

705 14th Avenue S, Saint Cloud

Listing courtesy of RE/MAX Results.

$215,000

3 Beds ⋅ 2 Baths ⋅ 7149499 MLS

Cozy 3 bedroom home now available in friendly Paynesville! Freshly painted exterior with a second half bath added in 2023. Enjoy a large, quiet backyard next to the North Fork River.

111 Haines Avenue, Paynesville

Listing courtesy of Premier Real Estate Services.

$199,900

3 Beds ⋅ 2 Baths ⋅ 7152796 MLS

Welcome home to this charming 3 bedroom, 2 bathroom property! Offering a comfortable layout with plenty of space for everyday living, this home is ready for you to make it your own. Step outside to enjoy the fully fenced backyard perfect for pets, play, gardening, or relaxing with family and friends. The oversized detached 2 car garage provides ample room for vehicles, storage, hobbies, or a workshop. Conveniently located near parks, schools, shopping, and dining, this home combines comfort, functionality, and a great location. Schedule your showing today!

134 34th Avenue N, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$189,900

3 Beds ⋅ 1 Baths ⋅ 7150574 MLS

Welcome to this charming 1.5-story home, ideally located in desirable Albany school district and close to all of the downtown amenities you desire. Built in the early 1900s, this home offers plenty of character and an opportunity for the next owner to bring their own style and vision. The front entrance porch opens up to the large living room. The main level also features a convenient bedroom and 3/4 bath/laundry comb. The kitchen and eat-in dining room offer plenty of room for family and friends. Enter from the back of the home into a massive 3 season room with tons of storage and possibilities. Upstairs you’ll find two additional bedrooms along with bonus flex space that could be used as a home office, craft area, reading nook, or hobby space. The oversized one-stall garage provides additional room for parking and storage. New windows, siding and roof give added comfort in your new purchase. If you're looking for a home with character, a great location, and the opportunity to make it your own, this is the one!

141 3rd Street Unit 32, Albany

Listing courtesy of Central MN Realty LLC.

$185,000

4 Beds ⋅ 2 Baths ⋅ 7152003 MLS

Updated and move-in ready home with lots of character in the desirable Lake George neighborhood! Featuring 9-foot ceilings, stainless steel appliances, and newer flooring throughout much of the main floor. The first floor offers two bedrooms and a full bathroom, with two additional bedrooms, a 3/4 bathroom, and plenty of storage downstairs. Upstairs, you’ll find a spacious bonus room with even more storage. Enjoy the cozy front porch, new steel siding installed in 2025, and a furnace and central air system new in 2020. A new storage shed and large rear parking pad/driveway provide added convenience and plenty of off-street parking. Great curb appeal and a convenient location make this a great place to call home or a great investment opportunity.

920 11th Avenue S, Saint Cloud

Listing courtesy of Premier Real Estate Services.

$199,000

3 Beds ⋅ 2 Baths ⋅ 7152484 MLS

Beautifully maintained 3-bedroom, 1.5-bath one-level home in St. Cloud offering easy, maintenance-free living. Durable vinyl siding, lush landscaping, and a clean concrete driveway and sidewalk give it great curb appeal, while new fixtures and pride-of-ownership care show throughout the interior. Move-in ready with a convenient single-level layout — don't miss this one!

248 23rd Avenue N, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$185,000

4 Beds ⋅ 2 Baths ⋅ 7152027 MLS

WELCOME HOME! Affordable living in a great St. Cloud neighborhood, conveniently located close to shopping, dining, parks and everything you need. This well-maintained, one owner home features 3 bedrooms on the main level, (or the option to have 2BR on main plus dining room or office) hardwood floors, tons of natural light and great storage areas. Lower level features a 4th bedroom and two additional flex rooms offering endless possibilities for a craft room, home office, playroom, hobby space or workshop. Enjoy the convenience of an attached 1+ car garage, plus an additional storage shed for all of your outside extras. The fenced backyard provides a great space to relax, play or entertain. A wonderful opportunity to own a well-cared-for home in a great location!

128 24th Avenue S, Saint Cloud

Listing courtesy of Edina Realty, Inc..

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