Saint Cloud, FL—34771
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Cloud, FL
As of Oct '25, the median home price in Saint Cloud, FL is $443,000, with a year-over-year change of -3.5%. This indicates that home prices in Saint Cloud, FL are decreasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $443,000 | -3.5% |
| Single Family | $443,000 | -3.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $361,000 | -4.7% |
3 Bed | $402,000 | -4.3% |
4 Bed | $452,000 | -3.8% |
| 5 Bed | $560,000 | -3.3% |
% of Housing Stock
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.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,450 | $2,470 |
| Studio Rent | N/A | N/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 |
% of Rental Stock
Property Listings — Saint Cloud, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Cloud, FL is 77. This is a increase of 18.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $484,000 | 0.0% |
Listing Count | 482 | 4.0% |
| Listings as % of Homes | 3.6% | 4.0% |
Days on Market | 77 | 18.0% |
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.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 31,400 | 80.8% |
% Under 18 | 25.2% | 6.8% |
% Seniors | 11.2% | -33.3% |
% WFH | 14.8% | 142.6% |
% w/ College Degree | 38.3% | 60.9% |
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
| Metric | Latest Census | 5-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% |
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
| Metric | Zip 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% |
Loan Activity
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 Size | HUD Premium | Market Rent | Max 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
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.6 |
| Median Home Price | $443,000 |
| Median Household Income | $101,000 |