Sauk Rapids Homes under $400,000

Welcome to Sauk Rapids, Minnesota—a charming city nestled in Benton County that beautifully blends small-town warmth with modern conveniences. Known for its picturesque landscapes and vibrant community spirit, Sauk Rapids offers residents a tranquil lifestyle with easy access to the bustling city of St. Cloud, just a short drive away.

With its rich history and a variety of recreational opportunities, Sauk Rapids is perfect for families, retirees, and young professionals alike. The city is adorned with beautiful parks, scenic trails, and the stunning Mississippi River, making it an ideal spot for outdoor enthusiasts. Enjoy a leisurely stroll along the riverfront or take advantage of the local sports facilities and community events that bring neighbors together.

For those looking to call Sauk Rapids home, the real estate market has an enticing selection of homes under $400,000. Whether you’re searching for a cozy starter home, a spacious family residence, or a charming bungalow, you’ll find a diverse array of options to suit your lifestyle and budget. The community is known for its well-maintained properties and friendly neighborhoods, making it a great place to settle down.

With excellent schools, convenient shopping, and a strong sense of community, Sauk Rapids is not just a place to live—it's a place to thrive. Explore the possibilities of homeownership in this delightful city, where your dream home awaits at an affordable price. Discover the charm of Sauk Rapids today!

Newest Sauk Rapids Homes under $400,000

$380,000

5 Beds ⋅ 3 Baths ⋅ 7155125 MLS

Move-in ready home in the Sauk Rapids area! Tucked into a cul-de-sac with a fenced-in yard, no backyard neighbors, and beautiful sunset views, this home offers a peaceful setting with plenty of space to enjoy. The spacious layout features 5 bedrooms and 3 bathrooms, including 3 bedrooms on one level and a private primary suite with a walk-in closet and private bath. The fully finished walk-out lower level includes a cozy family room with a gas fireplace and 2 additional bedrooms. The 3-stall heated and insulated garage provides plenty of room for vehicles, storage, and more. This home offers the space and setting you’ve been looking for.

2019 Martini Drive, Sauk Rapids

Listing courtesy of Edina Realty, Inc.

$324,900

3 Beds ⋅ 2 Baths ⋅ 7151573 MLS

Welcome to 1651 Payton Court NE in Sauk Rapids! This custom built home has had only one owner. It sits on a private corner lot in a quiet cul-de-sac neighborhood, with a partial privacy fence in the back so you can relax outside. The neighborhood is part of a very well maintained HOA, so everything around you stays looking its best. Inside you'll find one level living with vaulted ceilings and a big open concept layout. There are 3 bedrooms and 2 bathrooms, including a primary suite with its own private bathroom and a walk-in closet. The attached double stall garage adds plenty of room for vehicles and storage. The entire home has been freshly painted and is ready for you to move right in. Sauk Rapids has a small town feel with city convenience close by. The city has plenty of parks and walking trails, the Mississippi River runs right through town, and shopping, dining, and everything St. Cloud offers are only minutes away. Homes like this one don't come along often, so don't miss your chance to make it yours!

1651 Payton Court NE, Sauk Rapids

Listing courtesy of Central MN Realty LLC.

$249,500

3 Beds ⋅ 2 Baths ⋅ 7154221 MLS

Welcome home to this beautiful 3-bedroom, 2-bathroom property situated on a spacious corner lot. Framed by gorgeous, mature trees and lined with fragrant lilac bushes, this home offers a serene natural backdrop. Step inside to find an open concept floor plan. The lower level bathroom features a double-sink vanity that adds excellent functionality and style. The highlight of the property is the fully fenced backyard—your own private retreat. Step out onto the deck and down to the adjoining patio, creating the ultimate setup for weekend barbecues, morning coffee, or relaxing summer evenings. Whether you are hosting friends under the shade of the trees or enjoying the privacy of your yard, this outdoor space is a rare find. Don't miss the chance to make this wonderful property your home! Only minutes from Hwy 10, and a short distance to the downtown area for gas, groceries, shopping, and entertainment.

1018 3rd Street N, Sauk Rapids

Listing courtesy of New Century Real Estate.

$225,000

3 Beds ⋅ 3 Baths ⋅ 7125920 MLS

Huge home near downtown Sauk Rapids on a fenced-in double city lot. You will be hard pressed to find a bigger house or lot in the area. Everything downtown is within walking distance. House has ample parking in the back and plenty of space for a garage. The upstairs has beautful hardwood floors, and the main level is open and inviting. The basement has been recently finished and makes for a great rec. area. This house is an absolute must-see for any first-time home buyer or someone needing something bigger. House also has a wheel chair ramp in back.

312 2nd Avenue N, Sauk Rapids

Listing courtesy of Edina Realty, Inc.

$399,900

4 Beds ⋅ 3 Baths ⋅ 7152815 MLS

This beautifully updated rambler offers an incredible amount of space and versatility, boasting over 1,800 square feet on the main level alone. As you step inside, the vaulted great room addition immediately steals the show, anchored by a stunning floor-to-ceiling wood fireplace that creates a warm, inviting focal point for everyday living. The main floor features three comfortable bedrooms with fresh carpet, and brand-new flooring through the kitchen and dining areas. Meticulously maintained with high-quality upgrades in this second-owner home. You’ll find peace of mind with Andersen replacement windows (2018), a remodeled bathroom featuring a double vanity, tiled shower and separate bathtub (2018), a newer roof (2021), and a brand-new on-demand boiler installed in 2024. To top it all off, brand-new siding is being installed this October, ensuring the exterior is as sharp as the interior. The lower level expands your living options significantly with a family room/office area, a dedicated workshop, and a bathroom. A standout feature of this property is the licensed basement apartment, complete with its own separate entrance, parking slab, kitchen, living area, bedroom, and bath—perfect for a variety of living arrangements or potential rental opportunities. Set on an expansive corner lot, the outdoor space is an entertainer’s dream. The in-ground pool comes ready for enjoyment with an updated heater, liner, and winter cover and maintenance free fencing around the pool and patio areas. Extra patio off the great room plus a storage shed. Even the oversized, attached garage is fully insulated and heated, making it a functional space all year round. From the thoughtful interior updates to the exceptional outdoor amenities, this home is truly one of a kind.

516 9 1/2 Street N, Sauk Rapids

Listing courtesy of Coldwell Banker Realty.

$289,900

4 Beds ⋅ 2 Baths ⋅ 7149100 MLS

One owner home centrally located in Sauk Rapids on a 0.47 acre lot! Attached insulated and heated 2 car garage is sporting a freshly done epoxy floor. Additional side parking pad AND detached 2 car garage (24'x24') with concrete and power for extra parking and storage space! Sellers have loved and thoughtfully maintained this home for almost 50 years with in home updates including kitchen and upper level bathroom remodel. Efficiently climate controlled with the use of the Jetul wood stove and electric baseboard heat for winter months and central air for summer. A few more highlights include: new washer in 2026, sand point well for the sprinkling system, spacious beautiful backyard and landscaping, large paver patio and decorative fire pit area, and a 14'x14' maintenance free deck complete with a power awning! Don't miss your chance on this home at a great price!

424 5th Street S, Sauk Rapids

Listing courtesy of VoigtJohnson.

$189,900

3 Beds ⋅ 2 Baths ⋅ 7151877 MLS

Lovingly cared for by the same family for more than 70 years, this charming Sauk Rapids home is filled with timeless character and thoughtful details. Located just blocks from downtown Sauk Rapids and a nearby grocery store, it features a fireplace, stained-glass windows, rich woodwork, custom built-in window seats, bookcases, and a dining room buffet. The main level offers a spacious living room, formal dining room, kitchen with pantry, and a welcoming entryway with an additional room featuring enclosed shelving, previously used as a home office and ideal for a study, drop zone, or extra storage. Upstairs you’ll find three bedrooms with generous closets and a full bath. The unfinished basement includes a laundry room, additional bathroom, and plenty of storage. Outside, the spacious backyard offers room for gardening, entertaining, or simply enjoying the outdoors. The three-stall garage provides additional storage plus a 24’ x 13’ unfinished upper-level space with potential for a workshop, studio, playroom, hobby space, or future bonus room. Updated electrical, low-maintenance siding, abundant storage, and beautiful original craftsmanship make this a special home with decades of history and plenty of opportunity for its next owner.

209 4th Avenue S, Sauk Rapids

Listing courtesy of Premier Real Estate Services.

$279,900

2 Beds ⋅ 2 Baths ⋅ 7151899 MLS

ONE LEVEL Custom Built Newly UPDATED Meticulous HOME! Modern And Worry Free LIFE STYLE Just Steps From The Mississippi Best Describe This Beautiful 2BR/2BA HOME With Recent Stylish UPDATES That Include QUARTZ Countertops In The Kitchen And Bathrooms, Newer Stainless Steel Appliances, Newer Lighting, Paint On All Walls And Ceilings, UPDATED Flooring To Include Beautiful CERAMIC Tile, Stunning Wood Laminate Flooring, And Carpet. From The Moment You Step In You Will Be Captured By The Nine-Foot Ceilings And Abundant Natural Light Throughout!! Feels like walking into NEW construction!! Enjoy The Common Areas: Including A RIVERSIDE Observation Deck and Gazebo! PRIME Recreation Offering MILES Of walking Trails Along The Mississippi River And Free Weekly Concerts Perfectly Situated For Convenience, You're Just Moments From Downtown Sauk Rapids And The Hospital Area As Well! This Home Offers The Ideal Balance Of PRIVACY, COMMUNITY, And WORRY-FREE Living!! Come For A Visit Leave Calling This One Home!

37 Portage Trail, Sauk Rapids

Listing courtesy of Parcel Real Estate Inc..

$300,000

4 Beds ⋅ 2 Baths ⋅ 7147919 MLS

Room to breathe, inside and out, in Sauk Rapids. This 4 bed, 2 bath split-entry sits on a deep, tree-lined lot in Morning Hills Estates, and the backyard is where this one shines. Slide open the doors off the dining area onto a big deck made for grilling and long summer evenings, then look out over a yard with space to play, garden or just spread out, plus a storage shed for the mower and tools. Upstairs keeps everyday life easy: an open living room, a dining area and a kitchen with a center island and plenty of cabinet space. The finished lower level gives you a second living space for movie nights, a game room or a home office, along with two more bedrooms and a second full bath. Central air, a 2-stall attached garage and the Sauk Rapids-Rice school district round it out. Come see that backyard in person.

813 7th Avenue N, Sauk Rapids

Listing courtesy of Premier Real Estate Services.

$289,900

3 Beds ⋅ 2 Baths ⋅ 7148393 MLS

Welcome to 517 8th Avenue N in Sauk Rapids! This well-maintained home offers comfortable main-level living, spacious rooms, thoughtful updates, and an abundance of storage. The main level features a bright living room with a large picture window overlooking the front yard, two generously sized bedrooms, a full bathroom, main-level laundry, and a welcoming kitchen with a window overlooking the backyard, a tile backsplash, and a new dishwasher and newer refrigerator. Fresh paint and updated windows add to the move-in-ready feel. The primary bedroom offers plenty of space along with a walk-in closet featuring a custom organization system. The second bedroom is also impressively sized, also with an oversized closet, making the main level a great fit for everyday living, guests, or a home office. Downstairs, you’ll find an additional bedroom, spacious lower-level family room, a second full bathroom with a jetted tub, and an incredible amount of storage. The huge storage room provides plenty of room for seasonal items, hobbies, or all the things you want tucked away but easily accessible. Outside, enjoy updated vinyl siding, gutters, mature trees, and a spacious yard. The attached two-stall garage adds convenient parking and additional storage space. The location is hard to beat, being close to schools, shopping and other everyday amenities nearby, & Scenic View Park. With its spacious 3 bedrooms, main-level living, updates, and exceptional storage, this Sauk Rapids home offers comfort and convenience in a great location. Call today to make it yours and settle into the comfort of home.

517 8th Avenue N, Sauk Rapids

Listing courtesy of VoigtJohnson.

$325,000

3 Beds ⋅ 2 Baths ⋅ 7144942 MLS

Better than new beautiful rambler style move in ready home! Sellers have performed extensive remodeling and have invested over 100K value added updates. NEW shingles, vinyl siding, entry doors and Thermo Tech windows throughout home (2024). NEW high density flooring on both levels of home and NEW bedroom carpeting. NEW stainless steel appliances and Knotty Alder Cabinetry (2025). Many electrical improvements include NEW wiring, GFI, Detectors, new outlets and light fixtures. Upper level bonus room leads to a new maintenance free 12x12 deck with metal railings. Heated insulated attached garage! Private neighborhood park across the street! Large backyard! This is home!

2015 Highview Drive, Sauk Rapids

Listing courtesy of Coldwell Banker Realty.

$294,900

4 Beds ⋅ 2 Baths ⋅ 7147372 MLS

Introducing 406 5th Avenue North in Sauk Rapids. This four-bedroom, two-bathroom home was built in 1993 and offers over 1,700 square feet of updated living space. Sitting on a lightly treed city lot, we find plenty of backyard green space along with an oversized two-stall detached garage. The interior of the home boasts an upper level with an open and inviting living room area that provides an easy flow into the kitchen and dining space with easy access to the back deck. We also find two bedrooms along with a full bathroom. The lower level of the home is highlighted by a warm and inviting family room area with an adjacent versatile flex room/office space with plenty of the natural light. Check out the updated three-quarter bathroom as well, but don’t overlook the large primary bedroom with a huge oversized walk-in closet. Storage will not be a problem with that closet! The home has seen a laundry list of recent updates and upgrades to almost every large-ticket item, to include siding, windows, furnace, A/C, water heater, and the list goes on and on. It will surely give its next owner the comfort and piece of mind of knowing that this home has been taken care of. All of this in a convenient location with easy access to parks, retail, dining, and all that Sauk Rapids has to offer!

406 5th Avenue N, Sauk Rapids

Listing courtesy of Your Next Place Real Estate.

Start Your Search

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.