Saint Cloud, FL—34769
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 $316,000, with a year-over-year change of -4.7%. This indicates that home prices in Saint Cloud, FL are decreasing. According to Zillow, the 1-year price projection is 0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $316,000 | -4.7% |
| Single Family | $320,000 | -5.0% |
| Condos | $154,000 | -11.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $178,000 | -3.8% |
2 Bed | $239,000 | -6.6% |
3 Bed | $323,000 | -5.0% |
4 Bed | $391,000 | -3.0% |
| 5 Bed | $490,000 | -3.2% |
% of Housing Stock
Rental Trends — Saint Cloud, FL
As of July '25, Rentcast reports the average rent in Saint Cloud, FL is $1,930, with a year-over-year rent change of -7.2%. Per bedroom, the median rent as of July '25 in Saint Cloud, FL is studios: $720, 1-bedrooms: $1,150, 2-bedrooms: $1,570, 3-bedrooms: $2,130, 4-bedrooms: $2,520. The most common rental property sizes in Saint Cloud, FL are 2-bedroom and 3-bedroom, accounting for 47.4% and 28.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,960 | $1,930 |
| Studio Rent | $700 | $720 |
| 1 Bed Rent | $1,200 | $1,150 |
| 2 Bed Rent | $1,550 | $1,570 |
| 3 Bed Rent | $2,180 | $2,130 |
| 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 78. This is a increase of 32.0% 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 | $323,000 | -4.0% |
Listing Count | 148 | -7.0% |
| Listings as % of Homes | 0.9% | -7.0% |
Days on Market | 78 | 32.0% |
Demographics — Saint Cloud, FL
As of the latest ACS Survey released in 2023, Saint Cloud, FL has a population of 29,200, which has increased by 16.9% over the past 5 years. Saint Cloud, FL is a popular place for families, as children make up 25.9% of the population. The area has a poorly educated workforce, with 24.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 29,200 | 16.9% |
% Under 18 | 25.9% | 11.6% |
% Seniors | 14.4% | -17.7% |
% WFH | 9.3% | 116.3% |
% w/ College Degree | 24.0% | 61.1% |
As of the latest ACS Survey released in 2023, Saint Cloud, FL is a predominantly white area, with 50.2% of the population identifying as white. The white population has shrunk by 13.9% in the last 5 years. The second most common race or ethnicity in Saint Cloud, FL is hispanic, making up 37.5% of the population. Foreign-born residents account for 12.2% of the population in Saint Cloud, FL, and this percentage has increased by 29.8% 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 | 50.2% | -13.9% |
% Black | 5.3% | 12.8% |
% Hispanic | 37.5% | 19.0% |
% Asian | 1.0% | -28.6% |
% Foreign Born | 12.2% | 29.8% |
Mortgage and Risk — Saint Cloud, FL
According to HUD data as of 2023, there were 586 mortgage originations in Saint Cloud, FL, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 45.0% 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. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 586 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 13.0% |
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 0.5%. 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 2-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 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 70 |
Total Units Section 8 | 21 |
% Rentals under Section 8 | 0.5% |
% Occupied Section 8 | 81.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $280 | $1,200 | $1,480 |
| 2 Bedroom | $130 | $1,550 | $1,680 |
| 3 Bedroom | -$50 | $2,180 | $2,130 |
| 4 Bedroom | $70 | $2,500 | $2,570 |
Affordability — Saint Cloud, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.4 |
| Median Home Price | $316,000 |
| Median Household Income | $58,800 |