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St. Cloud, MN - House Price Index (HPI) - 21 Year Chart
St. Cloud Real Estate Market
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The House Price Index (HPI) shows changes in St. Cloud, MN single family home prices in
logarithmic scale. The March, 1995 index value equals 100.  Updated Tuesday, March 27, 2012. Real
estate forecasts, analysis, statistics and appreciation rates are provided below.
St. Cloud Real Estate Index: 21 Year Chart
Home Values Appreciation Rate - US Cities
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St. Cloud Real Estate Market: Trend, Analysis & Statistics
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Commentary  10391
4th Quarter, 2011 Housing Statistics: St. Cloud, Minnesota


Part 1: HOUSING MARKET FORECAST

12 Month Forecast:      DOWN
Forecast Accuracy:      93%

Forecast-Chart.com publishes forecasts for the trend in home prices in 380
Metropolitan Statistical Areas. The House Price Trend will be either UP or
DOWN. The forecast for the trend in the St. Cloud housing market for the 12
months ending with the 4th Quarter of 2012 is DOWN. The Accuracy of the
Trend Forecast for St. Cloud is 93%. In other words, when tested against
historical data, the forecasting methodology was correct 93% of the time.
Accordingly, Forecast-Chart.com estimates that the probability for falling house
prices in St. Cloud is 93% during this period. If this Housing Market Forecast is
correct, home prices will be lower in the 4th Quarter of 2012 than they were in
the 4th Quarter of 2011. Check this page each quarter for updates to the St.
Cloud Real Estate Market Forecast.


3 Year Forecast:          DOWN
Forecast Accuracy:      89%

The forecast for the trend in the St. Cloud housing market for the 3 years
ending with the 4th Quarter of 2014 is DOWN. The Accuracy of the Trend
Forecast for St. Cloud is 89%. In other words, when tested against historical
data, the forecasting methodology was correct 89% of the time. Accordingly,
Forecast-Chart.com estimates that the probability for falling house prices in St.
Cloud is 89% during this period. If this Housing Market Forecast is correct,
home prices will be lower in the 4th Quarter of 2014 than they were in the 4th
Quarter of 2011. Check this page each quarter for updates to the St. Cloud
Real Estate Market Forecast.




Part 2: MARKET SUMMARY
4th Quarter, 2011 Housing Data: St. Cloud, Minnesota


Historical Home Price Appreciation
Last Quarter                         0.55%
Last Year                              -2.7%
Last 5 Years                         -13%
Last 10 Years                       21%
Last 20 Years                       109%
Decline From All Time High   14.35%


Annual Home Price Appreciation Rates
1982        n/a
1983        n/a
1984        n/a
1985        n/a
1986        n/a
1987        n/a
1988        n/a
1989      5.10%
1990      4.25%
1991      3.82%
1992      2.97%
1993      5.25%
1994      4.11%
1995      4.64%
1996      5.55%
1997      6.06%
1998      3.93%
1999      5.74%
2000      10.18%
2001      8.13%
2002      8.26%
2003      8.72%
2004      7.30%
2005      8.10%
2006      1.77%
2007      -2.78%
2008      -2.54%
2009      -5.49%
2010      -0.27%
2011      -2.67%


Real Estate Appreciation, Rank & Percentile
Last Quarter                              0.55%         Rank: 146 of 381 (61st Percentile)
Last Year  . . . . . . . . . . . . . . . .  -2.7%          Rank: 197 of 381 (48th Percentile)
Last 5 Years                              -13%           Rank: 244 of 381 (36th Percentile)
Last 10 Years  . . . . . . . . . . . .   21%            Rank: 235 of 381 (38th Percentile)
Last 20 Years                            109%          Rank: 75 of 355 (79th Percentile)
Decline From All Time High        14.35%

Home Price appreciation rates for St. Cloud, MN are shown above for five time
periods. For example: St. Cloud appreciated 0.55% in the Last Quarter. At that
rate, the St. Cloud Real Estate Market was ranked 146th out of 381
metropolitan areas for Real Estate Appreciation. St. Cloud was in the 61st
percentile. So St. Cloud, MN performed better in the Last Quarter than 61% of
the 381 metropolitan areas covered in Forecast-Chart.com.

























Part 3: MARKET HIGHLIGHTS
4th Quarter, 2011 Housing Statistics: St. Cloud, Minnesota

The all time high in the St. Cloud Home Price Index was 217.1 in the 2nd
Quarter, of 2007. The 4th Quarter, 2011 index value was 185.9. That's a
decline of 31.16 points or 14.35% below the St. Cloud Home Price Index all time
high.  The Home Price Index indicates that the St. Cloud Market is up 21% over
the last 10 years. Home Prices in the St. Cloud Real Estate Market have lost
2.67% over the last 12 months.

The 4th Quarter index value was 1.01 points higher than the 3rd Quarter, 2011
index value of 184.93, resulting in a 0.55% rise in the 4th Quarter for the St.
Cloud Market.

The St. Cloud Home Price Index has increased for the last 3 consecutive
quarters. That makes St. Cloud the current record holder for consecutive
quarterly increases in the Home Price Index (along with Wheeling, WV;
Washington, DC and Grand Forks, ND; which also had 3 consecutive quarterly
increases). The current record holder for consecutive declines in the Home
Price Index is Las Vegas, NV, with declines in the last 20 consecutive quarters.

The highest annual home appreciation rate in the St. Cloud Real Estate Market
was 10% in the twelve months ended with the 4th Quarter of 2000. The worst
annual home appreciation rate in the St. Cloud Market was -9% in the twelve
months ended with the 1st Quarter of 2010.

The highest home appreciation in the St. Cloud Real Estate Market over a three
year period was 29% in the three years ended with the 4th Quarter of 2002.
The worst home appreciation over a three year period in the St. Cloud Market
was -14% in the three years ended with the 1st Quarter of 2011.

This page provides a long term graph of the St. Cloud Home Price Index
(above). The house price chart has been updated through the 4th Quarter of
2011. For more information about St. Cloud Home Prices, look at the links
under that chart. One link opens a long term chart of historical appreciation
rates for the St. Cloud Real Estate Market. Another opens a forecast for
appreciation rates in the state of Minnesota. Just one glance at
Forecast-Chart.com's long term charts can provide tremendous insight into the
historical trends of residential property values. Bookmark this page! Then
Forecast-Chart.com's detailed research and statistics about St. Cloud Home
Prices will be at your fingertips when you need them.

Historical data on the St. Cloud Home Price Index is available back to the 3rd
Quarter, of 1987. All calculations are based on the quarterly value of the House
Price Index for the St. Cloud Market. The terms House Price Index and Home
Price Index, as used in this site, refer to the Federal Housing Finance Agency
(FHFA) House Price Index.

Significant time is required to research quarterly sales price and appraisal data
from mortgage transactions in the St. Cloud Real Estate Market and hundreds
of other cities. As a result, Home Price data is not available for a number of
months after the end of each quarter.



Part 4: APPRECIATION RATES & RANKINGS
4th Quarter, 2011 Housing Data: St. Cloud, Minnesota

The appreciation of St. Cloud Home Prices relative to 380 other metropolitan
areas is detailed below. Each metropolitan area contains one or more cities.
Five different time periods are reviewed.  Each paragraph identifies the top and
bottom performing markets as well as the average and median performance for
all cities during each time period.

Last Quarter:
During the 4th Quarter of 2011, St. Cloud Home Prices had a rank of 146, with
appreciation of 0.55%. The top performing real estate market during the 4th
Quarter was Vineland, NJ, with appreciation of 6.09%. The worst market during
that period was Valdosta, GA, with appreciation of -5.24%.
The median appreciation for all cities during the 4th Quarter was 0.24%. The
average appreciation for all markets during the quarter was 0.29%.

Last Year:
During the last 12 months, St. Cloud Home Prices had a rank of 197, with
appreciation during the year of -2.67%. The top performing market during the
last year was Midland, TX, with appreciation of 4.7%. The worst real estate
market during that period was Carson City, NV, with appreciation of -18.1%.
The median appreciation for all markets during this period was -2.61%. The
average appreciation was -2.93%.

Last 5 Years:
Over the 5 years ended with the 4th Quarter of 2011, St. Cloud Home Prices
ranked 244, with a total appreciation of -13.1%. The top performing real estate
market during the 5 year period was Midland, TX, with appreciation of 23%. The
worst market during that period was Merced, CA, with appreciation of -62%.
The median appreciation for all cities during this time period was -7%. The
average appreciation over the 5 years was -11%.

Last 10 Years:
During the 10 years ended in the 4th Quarter of 2011, St. Cloud Home Prices
had a rank of 235, with appreciation during the decade of 21%. The top
performing market during the period was Midland, TX, with appreciation of 92%.
The worst real estate market during the 10 year time period was Detroit, MI, with
appreciation of -29%.
The median appreciation for all markets during the last 10 years was 24%. The
average appreciation for the cities over that time frame was 25%.

Last 20 Years:
During the 20 years ended in the 4th Quarter of 2011, St. Cloud Home Prices
had a rank of 75, with total appreciation over the 20 year period of 109%. The
top performing real estate market during the period was Casper, WY, with
appreciation of 222%. The worst market during the last 20 years was Las
Vegas, NV, with appreciation of 5%.
The median appreciation for all cities during the last 20 years was 85%. The
average appreciation for the markets over that time frame was 87%.

Historical research data on the Home Price Index for the St. Cloud Real Estate
Market is available back to the 3rd Quarter, of 1987. All calculations are based
on the quarterly value of the House Price Index for St. Cloud. Real estate
appreciation figures represent total appreciation over each time period. (Unless
specifically stated, the appreciation figures do not represent annual or quarterly
rates of appreciation.)




























































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