Saint Cloud, FL—34773
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 $384,000, with a year-over-year change of -4.1%. 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 | $384,000 | -4.1% |
| Single Family | $387,000 | -4.7% |
| Condos | $244,000 | -5.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $287,000 | -4.3% |
3 Bed | $352,000 | -3.0% |
4 Bed | $403,000 | -3.1% |
| 5 Bed | $464,000 | -2.9% |
% of Housing Stock
Rental Trends — Saint Cloud, FL
As of July '25, Rentcast reports the average rent in Saint Cloud, FL is $2,440, with a year-over-year rent change of -0.8%. Per bedroom, the median rent as of July '25 in Saint Cloud, FL is 1-bedrooms: $900, 2-bedrooms: $2,200, 3-bedrooms: $2,220, 4-bedrooms: $2,670. The most common rental property sizes in Saint Cloud, FL are 4-bedroom and 3-bedroom, accounting for 48.4% and 36.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,350 | $2,440 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $900 | $900 |
| 2 Bed Rent | $2,200 | $2,200 |
| 3 Bed Rent | $2,200 | $2,220 |
| 4 Bed Rent | $2,520 | $2,670 |
% 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 85. This is a increase of 44.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $420,000 | 3.0% |
Listing Count | 154 | -23.0% |
| Listings as % of Homes | 2.1% | -23.0% |
Days on Market | 85 | 44.0% |
Demographics — Saint Cloud, FL
As of the latest ACS Survey released in 2023, Saint Cloud, FL has a population of 5,500, which has increased by 45.7% over the past 5 years. Saint Cloud, FL is a popular place for families, as children make up 30.8% of the population. The area has a moderately educated workforce, with 30.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 20.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,500 | 45.7% |
% Under 18 | 30.8% | -9.9% |
% Seniors | 18.6% | 148.0% |
% WFH | 20.0% | 952.6% |
% w/ College Degree | 30.9% | 7.7% |
As of the latest ACS Survey released in 2023, Saint Cloud, FL is a predominantly white area, with 58.9% of the population identifying as white. The white population has shrunk by 27.7% in the last 5 years. The second most common race or ethnicity in Saint Cloud, FL is hispanic, making up 33.4% of the population. Foreign-born residents account for 11.6% of the population in Saint Cloud, FL, and this percentage has increased by 100.0% 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 | 58.9% | -27.7% |
% Black | 0.9% | -52.6% |
% Hispanic | 33.4% | 171.5% |
% Asian | 1.5% | -42.3% |
% Foreign Born | 11.6% | 100.0% |
Mortgage and Risk — Saint Cloud, FL
According to HUD data as of 2023, there were 538 mortgage originations in Saint Cloud, FL, of which 54.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 49.0% above 90% LTV (very high). This implies large mortgage risk in Saint Cloud, FL. Investor activity is low, as 0.0% 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 | 538 |
% Conventional Loans | 54.0% |
% Government Loans | 46.0% |
% Investor Loans | 0.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Saint Cloud, FL
Saint Cloud, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 0 |
Total Units Section 8 | 0 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $1,520 | $900 | $2,420 |
| 2 Bedroom | $540 | $2,200 | $2,740 |
| 3 Bedroom | $1,280 | $2,200 | $3,480 |
| 4 Bedroom | $1,620 | $2,520 | $4,140 |
Affordability — Saint Cloud, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.7 |
| Median Home Price | $384,000 |
| Median Household Income | $64,500 |