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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about St. Cloud?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in St. Cloud right now. Listings below $500,000 were included if necessary.

202 Park Ct, Albany, MN 56307
- Price: $499,900
- 6 bedrooms, 3.3 bathrooms
- Square feet: 4,148
- See 202 Park Ct, Albany, MN 56307 on

3096 Dolores Dr, Saint Cloud, MN 56303
- Price: $499,900
- 5 bedrooms, 4 bathrooms
- Square feet: 5,387
- See 3096 Dolores Dr, Saint Cloud, MN 56303 on

1007 Arbor Way, Sauk Rapids, MN 56379
- Price: $465,000
- 5 bedrooms, 4 bathrooms
- Square feet: 3,028
- See 1007 Arbor Way, Sauk Rapids, MN 56379 on

1903 Meadowrose Blvd, Saint Cloud, MN 56301
- Price: $475,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 4,100
- See 1903 Meadowrose Blvd, Saint Cloud, MN 56301 on

32467 County Road 1, Saint Cloud, MN 56303
- Price: $485,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,536
- See 32467 County Road 1, Saint Cloud, MN 56303 on

14789 Fireside Cir, Cold Spring, MN 56320
- Price: $500,000
- 5 bedrooms, 2.5 bathrooms
- Square feet: 3,078
- See 14789 Fireside Cir, Cold Spring, MN 56320 on

514 10Th St N, Sartell, MN 56377
- Price: $498,900
- 4 bedrooms, 3.3 bathrooms
- Square feet: 4,274
- See 514 10Th St N, Sartell, MN 56377 on

300 22Nd Ave N, Sartell, MN 56377
- Price: $479,900
- 4 bedrooms, 3.3 bathrooms
- Square feet: 3,062
- See 300 22Nd Ave N, Sartell, MN 56377 on

1609 1St St N, Cold Spring, MN 56320
- Price: $499,900
- 4 bedrooms, 2.8 bathrooms
- Square feet: 2,736
- See 1609 1St St N, Cold Spring, MN 56320 on

25048 County Road 34, Paynesville, MN 56362
- Price: $480,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,100
- See 25048 County Road 34, Paynesville, MN 56362 on

2021 Hillcrest Dr, Saint Cloud, MN 56303
- Price: $475,000
- 4 bedrooms, 2.3 bathrooms
- Square feet: 4,146
- See 2021 Hillcrest Dr, Saint Cloud, MN 56303 on

40725 State Highway 28, Sauk Centre, MN 56378
- Price: $469,900
- 4 bedrooms, 2.3 bathrooms
- Square feet: 3,406
- See 40725 State Highway 28, Sauk Centre, MN 56378 on

3344 26Th Ave S, Saint Cloud, MN 56301
- Price: $487,500
- 4 bedrooms, 2.3 bathrooms
- Square feet: 2,529
- See 3344 26Th Ave S, Saint Cloud, MN 56301 on

42150 County Road 1, Rice, MN 56367
- Price: $480,000
- 4 bedrooms, 2.3 bathrooms
- Square feet: 1,744
- See 42150 County Road 1, Rice, MN 56367 on

20854 Bolfing Rd, Cold Spring, MN 56320
- Price: $495,000
- 4 bedrooms, 1.8 bathrooms
- Square feet: 2,828
- See 20854 Bolfing Rd, Cold Spring, MN 56320 on

38746 County Road 1, Sartell, MN 56377
- Price: $479,900
- 4 bedrooms, 1.8 bathrooms
- Square feet: 2,632
- See 38746 County Road 1, Sartell, MN 56377 on

21492 Big Lake Rd, Richmond, MN 56368
- Price: $490,000
- 4 bedrooms, 1.8 bathrooms
- Square feet: 2,391
- See 21492 Big Lake Rd, Richmond, MN 56368 on

19146 Eaglewood Rd, Clearwater, MN 55320
- Price: $469,000
- 4 bedrooms, 1.8 bathrooms
- Square feet: 2,200
- See 19146 Eaglewood Rd, Clearwater, MN 55320 on

1603 Minnesota 23, Waite Park, MN 56387
- Price: $499,900
- 4 bedrooms, 1.5 bathrooms
- Square feet: 1,982
- See 1603 Minnesota 23, Waite Park, MN 56387 on

235 86Th St Nw, Rice, MN 56367
- Price: $475,000
- 3 bedrooms, 3.5 bathrooms
- Square feet: 2,952
- See 235 86Th St Nw, Rice, MN 56367 on

41475 County Road 183, Sauk Centre, MN 56378
- Price: $475,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,337
- See 41475 County Road 183, Sauk Centre, MN 56378 on

6536 Kenwood Rd, Saint Cloud, MN 56303
- Price: $499,900
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,255
- See 6536 Kenwood Rd, Saint Cloud, MN 56303 on

15976 Cushing Rd, Paynesville, MN 56362
- Price: $479,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,814
- See 15976 Cushing Rd, Paynesville, MN 56362 on

39684 Yellow Pine Cir, Sauk Centre, MN 56378
- Price: $475,000
- 3 bedrooms, 1.8 bathrooms
- Square feet: 1,860
- See 39684 Yellow Pine Cir, Sauk Centre, MN 56378 on

4405 17Th Ave Nw, Sauk Rapids, MN 56379
- Price: $499,900
- 3 bedrooms, 1.8 bathrooms
- Square feet: 1,852
- See 4405 17Th Ave Nw, Sauk Rapids, MN 56379 on

1303 Iris Ln Ne, Saint Joseph, MN 56374
- Price: $487,000
- 3 bedrooms, 1.8 bathrooms
- Square feet: 1,679
- See 1303 Iris Ln Ne, Saint Joseph, MN 56374 on

76 Meadow Ln, Cold Spring, MN 56320
- Price: $494,900
- 3 bedrooms, 1.8 bathrooms
- Square feet: 1,655
- See 76 Meadow Ln, Cold Spring, MN 56320 on

328 10Th St S, Sartell, MN 56377
- Price: $495,000
- 3 bedrooms, 1.8 bathrooms
- Square feet: 1,565
- See 328 10Th St S, Sartell, MN 56377 on

16183 165Th St Ne, Foley, MN 56329
- Price: $475,000
- 2 bedrooms, 1 bathroom
- Square feet: 988
- See 16183 165Th St Ne, Foley, MN 56329 on

10007 Alcott Dr, Sauk Centre, MN 56378
- Price: $469,900
- 2 bedrooms, 0.8 bathrooms
- Square feet: 1,006
- See 10007 Alcott Dr, Sauk Centre, MN 56378 on