St. Cloud: Economy & Jobs
St. Cloud reports a median household income of $83,174 (1.1× higher than Osceola County median $72,637; 1.2× higher than Florida median $71,711), with homes at a median value of $356,200. The surrounding county supports 115,837 jobs (avg $52,525).
- $56,471 avg taxable income per return — lower than the median household income (vs Florida $91,513).
Income & Affordability
Median household income $83,174 — above the Florida median ($72,336). Poverty rate 10.1% (U.S. average ~12.5%). 49% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 4.3× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 22.0% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 48.6% |
| Affordability · Poverty Rate | 10.1% |
| Affordability · Property Tax Pct Income | 3.3% |
| Irs Income · IRS tax returns filed | $215,690 |
| Irs Income · Total Adjusted Gross Income (thousands) | $12,180,233 |
| Irs Income · Average AGI per return | $56,471 (vs Florida $91,513) |
| Irs Income · Year | 2022 |
| Income Estimate | $86,826 |
| Median Household Income | $83,174 (vs Florida $72,336) |
| Poverty Rate | 10.1% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | upper-middle |
| Economic Character · Median Income | $83,174 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 3.9% — near the U.S. average of ~4%. 13% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 35.90 |
|---|---|
| Commuter Profile · Work From Home Pct | 13.4% |
| Commuter Profile · Profile | long commute / bedroom community |
| Employment · Avg annual employment (county) | 115,837 |
| Employment · Total annual wages (county) | $6,084,337,148 |
| Employment · Average annual pay | $52,525 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 9,568,260 |
| Unemployment Rate | 3.9% (vs Florida 2.9%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 38 |
|---|---|
| Agriculture · Land In Farms Acres | 186,331 |
| Agriculture · Avg Farm Size Acres | 4,903.40 |
| Agriculture · Top Commodities | Animal Totals, Cattle, Crop Totals, Horticulture Totals, Fruit & Tree Nut Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 8,262 |
| Business Patterns · Total Employees | 93,080 |
| Business Patterns · Annual Payroll Thousands | 3,629,524 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 55 |
|---|---|
| Local Businesses · Convenience Stores | 33 |
| Local Businesses · Liquor Stores | 27 |
| Local Businesses · Gas Stations | 91 |
| Local Businesses · General Merchandise | 54 |
| Local Businesses · Clothing Stores | 34 |
| Local Businesses · Pet Stores | 10 |
| Local Businesses · Electronics Stores | 23 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 289 |
|---|---|
| Dining Scene · Fast Food | 299 |
| Dining Scene · Bars | 16 |
| Dining Scene · Coffee Snacks | 69 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (2)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (1)
| Nearest Snap · Name | Wawa Store 5429 |
|---|---|
| Nearest Snap · Total In Area | 1 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | GREATER OSCEOLA COUNTY ST CLOUD CHAMBER OF COMMERCE INC |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $1,964,162,398 |
|---|---|
| Federal Spending · Per Capita | 5,053.73 (vs Florida $8,713) |
| Federal Spending · Population | 388,656 people (vs Florida 58,838) |
Sources: USAspending API
Other
| Pct Drove Alone | 73.3% |
|---|---|
| Pct Public Transit | 0.7% |
| Pct Walked | 13.4% |
| Retirement Score · Median age | 36.0 years (vs Florida 40.9y) |
| Retirement Score · Ss Household Pct | 28.2% |
| Retirement Score · Hospitals Nearby | 4 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | hospital access, VA nearby |
| Retirement Score · Rating | fair |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12