In St. Cloud, a typical home is worth $356,200 and typical rent is $1,683 a month. Compared with all of Osceola County, typical household income is 15% higher and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $339,739 to $389,582.
Typical rent
$2,244a month
▼ 1.2% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,914 to $2,244.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Cloud is in Osceola County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Osceola County. See the county
What this place has that others do not, from public data, most unusual first.
1
73% of households in St. Cloud own their home, against 65% in Osceola County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Cloud
What homes there are in St. Cloud, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
St. Cloud
Osceola County
Florida
United States
Kind of home: St. Cloud and its comparisons
Measure
St. Cloud
Osceola County
Florida
United States
Detached house
72%
61%
55%
61%
Attached house
10%
8%
7%
6%
Building of 2 to 4
7%
5%
6%
8%
Apartments (5 or more)
4%
20%
25%
19%
Mobile home
6%
7%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 72% of homes here, against 61% in Osceola County.
Year built
Before 19601960–19791980–19992000–20092010 or later
St. Cloud
Osceola County
Florida
United States
Year built: St. Cloud and its comparisons
Measure
St. Cloud
Osceola County
Florida
United States
Before 1960
7%
3%
10%
26%
1960–1979
12%
8%
24%
24%
1980–1999
24%
34%
34%
25%
2000–2009
24%
27%
18%
14%
2010 or later
33%
27%
14%
11%
The typical year built in St. Cloud is 2003, about the same as in Osceola County (2002).
There is more room for a big family here: 77% of homes have 3 bedrooms or more, against 71% in Osceola County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K7%
$100K–$200K6%
$200K–$300K19%
$300K–$500K57%
$500K–$750K12%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Cloud and its comparisons
Measure
St. Cloud
Under $100K
7%
$100K–$200K
6%
$200K–$300K
19%
$300K–$500K
57%
$500K–$750K
12%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 89% of owner-occupied homes in St. Cloud are worth less than the FHA loan limit for Osceola County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9999%
$1,000–$1,49930%
$1,500–$1,99928%
$2,000–$2,49916%
$2,500–$2,99914%
$3,000 or moreUnreliable
Monthly rent with utilities: St. Cloud and its comparisons
Measure
St. Cloud
Under $500
Unreliable estimate
$500–$999
9%
$1,000–$1,499
30%
$1,500–$1,999
28%
$2,000–$2,499
16%
$2,500–$2,999
14%
$3,000 or more
Unreliable estimate
With a mortgage
$1,874 a month
Osceola County: $1,877 a month
Without a mortgage
$646 a month
Osceola County: $632 a month
Owners with a mortgage
76%
Osceola County: 69%
In St. Cloud, 76% of owners have a mortgage; their typical cost is $1,874 a month, about the same as in Osceola County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Cloud+80%
Osceola County+76%
Florida+67%
United States+53%
Typical rent
St. Cloud+50%
Osceola County+42%
Florida+42%
United States+33%
Typical household income
St. Cloud+50%
Osceola County+39%
Florida+34%
United States+29%
Change since 2015–2019: St. Cloud and its comparisons
Measure
St. Cloud
Osceola County
Florida
United States
Typical home value
+80%
+76%
+67%
+53%
Typical rent
+50%
+42%
+42%
+33%
Typical household income
+50%
+39%
+34%
+29%
The typical home value in St. Cloud rose 80% since 2015–2019, more than in Osceola County (76%).
Since 2015–2019, the typical rent in St. Cloud rose 50%, more than in Osceola County (42%).
To compare: typical income in St. Cloud rose 50%; the home, +80%; the rent, +50%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Cloud and its comparisons
Measure
St. Cloud
Osceola County
Florida
United States
Rental vacancy
Unreliable estimate
7.0%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.1%
1.4%
0.9%
More than one person per room
Unreliable estimate
5.3%
3.3%
3.4%
People per household
3.05
2.98
2.51
2.53
Drive alone
73%
71%
70%
69%
Carpool
11%
12%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
13%
13%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Osceola County, a household in St. Cloud has 3.05 people on average.
The car rules in St. Cloud: 73% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.
Do the math
What would you pay each month for a home in St. Cloud?
A typical home costs more than the typical income allows
We start with a typical home in St. Cloud, worth $356,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in St. Cloud, which is $83,174 a year. For that payment to be 28% of income, a household would need to earn about $124,577 a year.
The calculator's FHA and conventional loan limits are those of all of Osceola County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in St. Cloud. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,467 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,907
at 7.18% · 30 years
Loan amount
$349,748
Total interest
$503,206
Paid off in
November 2056
Includes $6,015 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,941 a month
Tight
$1,941 to $2,495 a month
Hard
more than $2,495 a month
Your payment · 42%
Compared with the typical household income in St. Cloud ($83,174 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,369
Property tax
$232
Home insurance
$148
FHA mortgage insurance (MIP)
$158
You need at least $12,467 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,907; principal and interest $2,369.
The city and its county
St. Cloud and Osceola County
St. Cloud is in Osceola County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
St. Cloud
Map of Osceola County, Florida, with St. Cloud marked. Around it, the neighboring counties.
St. Cloud
Osceola County
Other cities with a page
St. Cloud's own numbers
Typical home value
$356,200
Typical monthly rent
$1,683
Typical yearly household income
$83,174
Households that own their home
73%
Effective property tax rate
0.78%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Osceola County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,959
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
11%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Osceola County.
A typical home in St. Cloud is worth $356,200: about the same as the county and about the same as Florida. With the typical household income in St. Cloud ($83,174 a year), a typical home costs 4.3 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
St. Cloud4.3 years
Osceola4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Osceola County
According to FHFA’s house price index, home prices in Osceola County rose 143% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Osceola County.
Yearly change in FHFA’s price index in Osceola County, 2016 to 2025
2016: +9.6% +9.6% 2016
2017: +12.1% +12.1% 2017
2018: +8.5% +8.5% 2018
2019: +7.9% +7.9% 2019
2020: +5.5% +5.5% 2020
2021: +13.8% +13.8% 2021
2022: +23.8% +23.8% 2022
2023: +7.4% +7.4% 2023
2024: +5.7% +5.7% 2024
2025: −0.2% −0.2% 2025
Change in FHFA’s price index in Osceola County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−0.2%
−0.5%
+2.9%
5 years (2020–2025)
+60%
+60%
+47%
10 years (2015–2025)
+143%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
St. Cloud next to Osceola County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
St. Cloud$356,200
Osceola$353,300
Florida$359,000
United States$332,700
Typical monthly rent
St. Cloud$1,683
Osceola$1,746
Florida$1,669
United States$1,413
Typical yearly household income
St. Cloud$83,174
Osceola$72,637
Florida$74,568
United States$80,734
See the full table
St. Cloud next to Osceola County and Florida
Measure
St. Cloud
Osceola County
Florida
U.S.
Typical home value
$356,200
$353,300
$359,000
$332,700
Typical monthly rent
$1,683 ▼4% below the county
$1,746
$1,669
$1,413
Typical yearly household income
$83,174 ▲15% above the county
$72,637
$74,568
$80,734
Households that own their home
73% ▲7 points above the county
65%
68%
65%
Typical yearly property tax
$2,770 ▲3% above the county
$2,700
$2,730
$3,119
Effective property tax rate
0.78% ▲0.02 points above the county
0.76%
0.76%
0.94%
Renters with high rent for their income
62% ▼4 points below the county
65%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Osceola County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in St. Cloud
For a typical $356,200 home in St. Cloud, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Cloud's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,907a month
Least cash to close
Down payment
$12,467
Cash to close
$23,153
Rate
7.18%
Mortgage insurance
FHA MIP · $158
Conventional, 5% down$2,842a month
Down payment
$17,810
Cash to close
$28,496
Rate
7.18%
Mortgage insurance
PMI · $169
Conventional, 20% down, no PMI$2,310a month
Down payment
$71,240
Cash to close
$81,926
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,640a month
Down payment
$53,430
Cash to close
$64,116
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Cloud
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,907
$12,467
$349,748
7.18%
FHA MIP · $158
$23,153
580
Conventional, 5% down
$2,842
$17,810
$338,390
7.18%
PMI · $169
$28,496
620*
Conventional, 20% down, no PMI
$2,310
$71,240
$284,960
7.18%
None
$81,926
620*
ITIN, 15% down (example)
$2,640
$53,430
$302,770
8.18%
None
$64,116
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in St. Cloud is $1,683 a month: 4% below the county. In St. Cloud, 62% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Osceola County, by unit size. To pay the 2-bedroom one ($1,959 a month) without spending more than 30% of your income, you would need to earn $37.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Osceola County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,658
$31.88
$66,320
1 bedroom
$1,726
$33.19
$69,040
2 bedrooms
$1,959
$37.67
$78,360
3 bedrooms
$2,445
$47.02
$97,800
4 bedrooms
$2,856
$54.92
$114,240
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in St. Cloud
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Cloud has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,650 in 34769 to $2,260 in 34772.
2 of the 3 are above the fair market rent for Osceola County ($1,959).
2-bedroom fair market rent in each of the 3 ZIP codes of St. Cloud, beside the one for Osceola County. For 2 bedrooms it runs from $1,650 in 34769 to $2,260 in 34772. 2 of the 3 are above the fair market rent for Osceola County ($1,959).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,959
Lowest: $1,650 (34769)Highest: $2,260 (34772)
Fair market rent by ZIP code and size in St. Cloud, fiscal year 2027.
34769
$1,400
$1,450
$1,650
$2,060
$2,410
34771
$1,730
$1,800
$2,040
$2,550
$2,970
34772
$1,910
$1,990
$2,260
$2,820
$3,290
ZIP code2 bd3 bd
34769 $1,650$2,060
34771 $2,040$2,550
34772 $2,260$2,820
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Cloud when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Osceola County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for St. Cloud or Osceola County. The ones below are statewide in Florida: they work in St. Cloud the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for St. Cloud or Osceola County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for St. Cloud and all of Osceola County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in St. Cloud?
The typical home value in St. Cloud is $356,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Osceola County it is $353,300.
How much does it cost to rent in St. Cloud?
Typical rent in St. Cloud is $1,683 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Osceola County is $1,959.
What is the FHA loan limit in St. Cloud?
St. Cloud uses the FHA limit for all of Osceola County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in St. Cloud?
The typical homeowner in St. Cloud pays $2,770 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Osceola County, the rate is 0.76%.
Where can I find free help to buy or rent in St. Cloud?
There are 2 HUD-approved counseling agencies with an office in Osceola County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
