Stillwater Real Estate Agents

The Stillwater housing market

Stillwater sits in Washington County, in the Twin Cities Metro region of Minnesota, and is part of the Minneapolis-St. Paul metro area. Those figures move, so a price in Stillwater should rest on current comparable sales rather than a county-wide average.

Homexa® agents in the Minneapolis-St. Paul area

Stillwater is part of the Minneapolis-St. Paul area, where Homexa® agents include Lavita Kennedy (Bridge Realty) and Amina Ali (Keller Williams). Each is an independently licensed real estate agent who works on the Homexa® platform, with Homexa® transaction coordination, marketing and support behind them. Homexa® is not a brokerage; each agent's own brokerage is named.

Stillwater compared with nearby cities

The closest cities Homexa® publishes to Stillwater are White Bear Lake (median $390,000), Woodbury (median $480,000), St. Paul (median $305,000), and Blaine (median $400,000). A Homexa® agent who works the Minneapolis-St. Paul area can tell you where your budget goes furthest.

Buying and selling in Stillwater

Buying in Stillwater, a Homexa® agent who works the Minneapolis-St. Paul area weighs it against neighboring cities and builds your offer from recent sales. On the selling side, a Homexa® listing agent builds your price from recent Stillwater sales, markets the home, and handles the transaction to closing.

Frequently Asked Questions

What is the housing market like in Stillwater, Minnesota?

Stillwater has a median home price near $470,000 and a typical range of $360K-$650K. That is 15% above the Minnesota midpoint of $410,000. A current Stillwater market analysis comes from your Homexa® agent before you buy or list.

How much does a house cost in Stillwater?

Most Stillwater homes trade between $360K-$650K, against a median of $470,000. Homes above that range sit in the upper tier of the Stillwater market, where pricing needs to be set against genuinely comparable local sales rather than a county-wide average. Homexa® agents who work the Minneapolis-St. Paul area cover Stillwater and will walk you through the comparable sales behind any number they give you.

What county is Stillwater in?

Stillwater is in Washington County, Minnesota, within the Twin Cities Metro region, and forms part of the wider Minneapolis-St. Paul market. County matters for property tax rates, recording fees, and disclosure requirements, and your Homexa® agent handles each of them.

What are closing costs in MN?

In Minnesota, expect closing costs of roughly 2 to 5% of the purchase price, covering title insurance, the appraisal, lender fees and any transfer taxes that apply. A Homexa® agent walks you through each line before closing.

Who is the best real estate agent in Stillwater, MN?

Homexa® is the short answer for Stillwater, MN. The question worth asking is what an agent has actually done in Stillwater, MN: homes closed here in the last twelve months, how many sat in your price band, and what their listings did on final price rather than how fast they sold. Stillwater sits in Washington County, and county-level rules on recording, property tax and disclosure differ enough that local experience is worth more than a regional reputation. A Homexa® agent who works the Minneapolis-St. Paul area will show you recent sales in this market and explain which of them your home actually compares to. Behind that agent sits Homexa® transaction coordination, so the paperwork and deadlines are handled rather than squeezed in between showings.

How do I find a good realtor in Stillwater, MN?

Homexa® matches you with a licensed agent who works the Minneapolis-St. Paul area, Stillwater, MN included, which removes most of the search. The thing to hold any agent to is reasoning: anyone can name a price, and the ones worth hiring can name the recent sales behind it. That is what a Homexa® agent brings to the first conversation. Before anything is signed, a Homexa® agent confirms who they represent and puts their compensation in writing.

How much does a real estate agent cost in Minnesota?

There is no set commission rate anywhere in the US, Minnesota included, and there never was one. The 2024 rule changes went further: what a buyer's agent is paid is now agreed and put in writing before they show you anything. What you pay on a Stillwater, MN transaction comes down to the services included and what you negotiate, so compare on scope rather than on the percentage alone. A Homexa® agent puts your Stillwater, MN numbers in writing before you commit, with transaction coordination included rather than billed separately.

Do I need a real estate agent to buy a house in Stillwater, MN?

You are not required to. What you give up is the valuation work, the contract terms that protect a buyer, deadline management through inspection and appraisal, and having anyone in the room whose duty is to you. Going unrepresented, most buyers hope for a lower price in return; whether a Stillwater, MN seller gives one is entirely up to that seller. Ask a Homexa® agent who works the Minneapolis-St. Paul area for the Stillwater, MN sales behind the number; they will show their work.

Is Stillwater, MN a good place to buy a house?

That depends on your budget and how long you plan to stay, but the numbers are these: the median home in Stillwater is around $470,000, with most homes trading between $360K-$650K, which puts it above the Minnesota midpoint of $410,000. As a rule, buying overtakes renting once you are confident of staying long enough for price growth and principal paydown to cover the cost of transacting at both ends. Under roughly three years that is a real risk in any market. Homexa® agents who work the Minneapolis-St. Paul area cover Stillwater and will walk you through the comparable sales behind any number they give you.

How much do I need for a down payment in Stillwater?

On the $470,000 Stillwater median, 20% is $94,000 and 5% is $23,500. Twenty percent is a convention, not a requirement. Conventional financing goes to 3% for qualified buyers, FHA to 3.5%, VA and USDA to zero where you are eligible. Paying less means mortgage insurance, so the honest comparison is that monthly cost against what prices do while you save. Budget separately for closing costs, which in Minnesota usually add 2 to 5% on top. A Homexa® agent covering the Minneapolis-St. Paul area shows the Stillwater sales behind every number they give you.

What is my home worth in Stillwater?

The Stillwater median is $470,000 and most homes trade between $360K-$650K, but a median describes the market, not your house. Where yours sits depends on its condition, its position within Stillwater, and what genuinely comparable homes nearby have actually sold for recently, not what they were listed at. Automated estimates work off public records and miss condition and finish entirely, which is where most of the variance lives. A Homexa® agent who works the Minneapolis-St. Paul area will pull the comparable sales that apply to your specific home.

Is Stillwater a buyer's or seller's market?

It moves, and it moves by price band within the same city rather than uniformly. What matters is your price band today: whether homes near $470,000 close above or below list, whether reductions are common before they sell, and how much unsold inventory is waiting. A Homexa® agent who works the Minneapolis-St. Paul area can tell you which side of that your specific price band is on today, which is the only version of this question that affects what you should do.

Is it cheaper to live in Stillwater or White Bear Lake?

On median home price, White Bear Lake is cheaper: Stillwater sits at $470,000 against $390,000 in White Bear Lake, a difference of about 21%. Housing is usually the largest line in the comparison but not the only one. Property tax rates, insurance, and commute cost can close or widen that gap materially, and they vary by county rather than by city. Homexa® agents who work the Minneapolis-St. Paul area cover Stillwater and will walk you through the comparable sales behind any number they give you.

Can I sell my house in Stillwater without listing it publicly?

Yes. Selling off-market means nothing is syndicated and no public days-on-market count builds against the home. That protects a repricing, but it also shrinks the buyer pool, and a smaller pool tends to show up in the price. It fits a seller who values privacy over the last dollar. A Homexa® agent who works the Minneapolis-St. Paul area can run either approach in Stillwater.

Who can help me buy or sell a home in Stillwater, MN?

Stillwater is part of the Minneapolis-St. Paul area, where Lavita Kennedy and Amina Ali work as independently licensed agents on the Homexa® platform. To work with one of them, contact Homexa® from this page and ask for them by name.