Saint Cloud, FL—34772
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 $399,000, with a year-over-year change of -4.0%. This indicates that home prices in Saint Cloud, FL are decreasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $399,000 | -4.0% |
| Single Family | $399,000 | -4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $318,000 | -7.3% |
3 Bed | $366,000 | -4.4% |
4 Bed | $412,000 | -4.0% |
| 5 Bed | $520,000 | -3.3% |
% of Housing Stock
Rental Trends — Saint Cloud, FL
As of July '25, Rentcast reports the average rent in Saint Cloud, FL is $2,400, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Saint Cloud, FL is 1-bedrooms: $1,060, 2-bedrooms: $2,250, 3-bedrooms: $2,250, 4-bedrooms: $2,520. The most common rental property sizes in Saint Cloud, FL are 3-bedroom and 4-bedroom, accounting for 44.0% and 38.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,300 | $2,400 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $912 | $1,060 |
| 2 Bed Rent | $2,300 | $2,250 |
| 3 Bed Rent | $2,200 | $2,250 |
| 4 Bed Rent | $2,500 | $2,520 |
% 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 80. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 34.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $434,000 | -4.0% |
Listing Count | 325 | 9.0% |
| Listings as % of Homes | 1.6% | 9.0% |
Days on Market | 80 | -4.0% |
Demographics — Saint Cloud, FL
As of the latest ACS Survey released in 2023, Saint Cloud, FL has a population of 33,500, which has increased by 9.1% over the past 5 years. Saint Cloud, FL is a moderately popular place for families, as children make up 24.3% of the population. The area has a moderately educated workforce, with 32.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 33,500 | 9.1% |
% Under 18 | 24.3% | -12.3% |
% Seniors | 15.0% | 26.1% |
% WFH | 12.2% | 130.2% |
% w/ College Degree | 32.5% | 65.8% |
As of the latest ACS Survey released in 2023, Saint Cloud, FL is a predominantly white area, with 43.6% of the population identifying as white. The white population has shrunk by 14.0% in the last 5 years. The second most common race or ethnicity in Saint Cloud, FL is hispanic, making up 43.5% of the population. Foreign-born residents account for 18.4% of the population in Saint Cloud, FL, and this percentage has increased by 73.6% 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 | 43.6% | -14.0% |
% Black | 6.5% | -24.4% |
% Hispanic | 43.5% | 14.5% |
% Asian | 2.3% | 35.3% |
% Foreign Born | 18.4% | 73.6% |
Mortgage and Risk — Saint Cloud, FL
According to HUD data as of 2023, there were 1504 mortgage originations in Saint Cloud, FL, of which 55.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 47.0% 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. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,504 |
% Conventional Loans | 55.0% |
% Government Loans | 45.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 11.0% |
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 0.3%. 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. 1-bedroom and 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Saint Cloud, FL, because HUD payments exceed market rent, while 2-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 7 |
Total Units Section 8 | 7 |
% Rentals under Section 8 | 0.3% |
% Occupied Section 8 | 81.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $1,008 | $912 | $1,920 |
| 2 Bedroom | -$120 | $2,300 | $2,180 |
| 3 Bedroom | $570 | $2,200 | $2,770 |
| 4 Bedroom | $800 | $2,500 | $3,300 |
Affordability — Saint Cloud, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $399,000 |
| Median Household Income | $86,900 |