St. Cloud: Housing & Real Estate
$356,200 is the median home value in St. Cloud (estimated market value runs 25% higher at $443,814), with median rent $1,683 (1.1× higher than Osceola County median $1,537; 1.1× higher than Florida median $1,564). Homeownership rate: 72.5%. That's 1.2× higher than the Osceola County median ($285,200); 1.1× higher than the Florida median ($325,000). Market is warm. Vacancy rate 8.5%. New construction makes up 32.6% of stock. A municipal building code is in effect.
- 4.3× annual income — home value vs. household income (vs Florida 5.1×).
- 17.6 years to break even renting at the median (vs Florida 18y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent 14% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $356,200 — 1.0× the Florida median ($369,200). Median rent $1,683/month. homeownership rate 72.5% — above the U.S. share of ~65%.
| 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% |
| Fair Market Rent · Studio rent | $1,650 (vs Florida $1,593) |
| Fair Market Rent · One-bedroom rent | $1,731 (vs Florida $1,696) |
| Fair Market Rent · Two-bedroom rent | $1,972 (at Florida median) |
| Fair Market Rent · Three-bedroom rent | $2,476 (vs Florida $2,527) |
| Fair Market Rent · Four-bedroom rent | $2,924 (vs Florida $3,027) |
| Fair Market Rent · HUD FMR area | Orlando-Kissimmee-Sanford, FL MSA |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $443,814 |
| Median Home Value | $356,200 (vs Florida $369,200) |
| Median Rent | $1,683 (vs Florida $1,711) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 8.5% |
| Housing Market · New construction (% of stock) | 32.6% |
| Housing Market · Price Appreciation 2Yr | 9.9% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Florida median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Florida median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Florida median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 59.4% (vs Florida 74.2%) |
| Broadband · Broadband-capable premises | 26,416 |
| Electricity · Electricity rate (¢/kWh) | 14.14¢/kWh |
| Electricity · Customers | 10,443,373 |
| Electricity · Revenue Millions | $19,561 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% (at Florida median) |
| Mobile Broadband · 5G mobile coverage | 100% (at Florida median) |
| Mobile Home Parks Detail · County total | 47 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 4 |
|---|---|
| Ev Charging · Public Stations | 4 |
| Ev Charging · L2 Ports | 8 |
| Ev Charging · Dc Fast Ports | 10 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 72.5% (vs Florida 64.3%) |
|---|---|
| Median Year Built | 2003 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12