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Saint Cloud, FL—34771

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$441,000
3.8% YoY Growth
Household Income
$101,000
39.4% YoY Growth
Days on Market
74
4.0% Shorter YoY
Home Price Forecast
1.1%
Median Rent
$2,450
2.8% YoY Growth
1-Bed Rent
$1,500
0.0% YoY Growth
2-Bed Rent
$1,900
11.6% YoY Growth
3-Bed Rent
$2,300
4.1% YoY Growth

Other Zip Codes in Saint Cloud, FL

347733477234769
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Saint Cloud, FL

As of Dec '25, the median home price in Saint Cloud, FL is $441,000, with a year-over-year change of -3.8%. This indicates that home prices in Saint Cloud, FL are decreasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$441,000-3.8%
Single Family $441,000-4.1%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$359,000-5.0%
    3 Bed
    		$401,000-4.3%
    4 Bed
    		$451,000-4.0%
    5 Bed $556,327-3.8%
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    % of Housing Stock

    Studio
    0.1%
    1 Bedroom
    2.1%
    2 Bedrooms
    12.2%
    3 Bedrooms
    37.6%
    4 Bedrooms
    36.9%
    5+ Bedrooms
    11.2%

    Rental Trends — Saint Cloud, FL

    As of July '25, Rentcast reports the average rent in Saint Cloud, FL is $2,470, with a year-over-year rent change of -2.8%. Per bedroom, the median rent as of July '25 in Saint Cloud, FL is 1-bedrooms: $1,510, 2-bedrooms: $1,910, 3-bedrooms: $2,320, 4-bedrooms: $2,630. The most common rental property sizes in Saint Cloud, FL are 2-bedroom and 3-bedroom, accounting for 35.1% and 32.5% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$2,450$2,470
    Studio Rent N/AN/A
    1 Bed Rent $1,500$1,510
    2 Bed Rent $1,900$1,910
    3 Bed Rent $2,300$2,320
    4 Bed Rent $2,550$2,630
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    % of Rental Stock

    Studio
    1.0%
    1 Bedroom
    10.2%
    2 Bedrooms
    35.1%
    3 Bedrooms
    32.5%
    4 Bedrooms
    14.8%
    5+ Bedrooms
    6.5%

    Property Listings — Saint Cloud, FL

    As of Dec '25, Realtor.com reports that the median days on market for a home in Saint Cloud, FL is 67. This is a increase of 8.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$466,000-3.0%
    Listing Count
    		5009.0%
    Listings as % of Homes3.6%9.0%
    Days on Market
    		74-4.0%
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    Demographics — Saint Cloud, FL

    As of the latest ACS Survey released in 2023, Saint Cloud, FL has a population of 31,400, which has increased by 80.8% over the past 5 years. Saint Cloud, FL is a popular place for families, as children make up 25.2% of the population. The area has a moderately educated workforce, with 38.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.8% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		31,40080.8%
    % Under 18
    		25.2%6.8%
    % Seniors
    		11.2%-33.3%
    % WFH
    		14.8%142.6%
    % w/ College Degree
    		38.3%60.9%
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    As of the latest ACS Survey released in 2023, Saint Cloud, FL is a predominantly white area, with 44.8% of the population identifying as white. The white population has shrunk by 35.9% in the last 5 years. The second most common race or ethnicity in Saint Cloud, FL is hispanic, making up 41.2% of the population. Foreign-born residents account for 13.6% of the population in Saint Cloud, FL, and this percentage has increased by 11.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		44.8%-35.9%
    % Black
    		9.7%169.4%
    % Hispanic
    		41.2%73.8%
    % Asian
    		2.4%41.2%
    % Foreign Born
    		13.6%11.5%
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    Mortgage and Risk — Saint Cloud, FL

    According to HUD data as of 2023, there were 1325 mortgage originations in Saint Cloud, FL, of which 65.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 42.0% above 90% LTV (very high). This implies large mortgage risk in Saint Cloud, FL. Investor activity is low, as 2.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		1,325
    % Conventional Loans
    		65.0%
    % Government Loans
    		35.0%
    % Investor Loans
    		2.0%
    % Second Loans
    		3.0%
    % Cash Out Refinance
    		8.0%
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    Rentals and Section 8 — Saint Cloud, FL

    As of 2024, the percent of homes in Saint Cloud, FL under the Section 8 program is 0.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Saint Cloud, FL, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.

    Section 8 Market Size

    Total Units under HUD
    		3
    Total Units Section 8
    		3
    % Rentals under Section 8
    		0.1%
    % Occupied Section 8
    		81.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$220$1,500$1,720
    2 Bedroom$50$1,900$1,950
    3 Bedroom$180$2,300$2,480
    4 Bedroom$400$2,550$2,950

    Affordability — Saint Cloud, FL

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio4.6
    Median Home Price$441,000
    Median Household Income$101,000

    Saint Cloud, FL — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Lake Nona South, Orlando, FL

    32832

    Saint Cloud, FL

    34773

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    34769

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    Wedgefield, FL

    32831

    Frequently Asked Questions