St. Cloud, FL housing market
The typical St. Cloud home is worth about $390,000, down 3.3% in a year, close to the Florida typical home. Homes typically sell in 72 days, below asking.
Home values, sales, trends and how St. Cloud compares with the towns next door — updated as new data is published.
St. Cloud at a glance
A balanced market
About 4.7 months of supply: neither buyers nor sellers have a clear edge.
Typical home value, 2016–2026
Show as a table
| January | St. Cloud | Florida |
|---|---|---|
| 2017 | $226,000 | $209,000 |
| 2018 | $244,000 | $226,000 |
| 2019 | $263,000 | $242,000 |
| 2020 | $274,000 | $253,000 |
| 2021 | $296,000 | $276,000 |
| 2022 | $364,000 | $340,000 |
| 2023 | $416,000 | $392,000 |
| 2024 | $419,000 | $402,000 |
| 2025 | $415,000 | $397,000 |
| 2026 | $398,000 | $377,000 |
| August 2026 | $390,000 | $376,000 |
1,430 new homes permitted in 2025
Builders were permitted 1,430 new homes in St. Cloud in 2025, all single-family houses, worth about $696.8 million to build. That's 22 per 1,000 residents, faster than across Florida (8.3). Over the past 10 years, St. Cloud has permitted 11,442 homes in all.
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, St. Cloud gained 23,781 residents while 6,311 new homes were permitted: about 3.8 new residents per new home. Population grew faster than building, so existing homes filled up: a sign of tight supply. Across Florida: 2.8 new residents per new home.
How St. Cloud ranks on housing keeping up with growth →
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 731 | 731 | 0 | $379.7 million |
| 2025 | 1,430 | 1,430 | 0 | $696.8 million |
| 2024 | 1,861 | 1,543 | 318 | $732.4 million |
| 2023 | 1,131 | 1,131 | 0 | $467.3 million |
| 2022 | 883 | 883 | 0 | $363.2 million |
| 2021 | 1,209 | 1,209 | 0 | $442.3 million |
| 2020 | 1,097 | 1,097 | 0 | $365.3 million |
| 2019 | 1,246 | 1,246 | 0 | $413.7 million |
| 2018 | 960 | 960 | 0 | $292.6 million |
| 2017 | 739 | 739 | 0 | $213.1 million |
| 2016 | 886 | 886 | 0 | $209.3 million |
| 2015 | 740 | 740 | 0 | $206.9 million |
| 2014 | 554 | 554 | 0 | $82.9 million |
| 2013 | 506 | 506 | 0 | $70.3 million |
| 2012 | 248 | 248 | 0 | $48.8 million |
| 2011 | 208 | 208 | 0 | $45.2 million |
| 2010 | 224 | 224 | 0 | $40.5 million |
| 2009 | 203 | 203 | 0 | $34.5 million |
| 2008 | 202 | 202 | 0 | $52 million |
| 2007 | 550 | 550 | 0 | $106.9 million |
| 2006 | 1,310 | 1,310 | 0 | $235 million |
| 2005 | 781 | 775 | 6 | $161.2 million |
| 2004 | 533 | 524 | 9 | $72.6 million |
| 2003 | 296 | 296 | 0 | $34.9 million |
| 2002 | 337 | 289 | 48 | $38.3 million |
| 2001 | 315 | 315 | 0 | $35 million |
| 2000 | 238 | 238 | 0 | $21.3 million |
How St. Cloud ranks on new homes being built →
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
4.7 years of income
The typical St. Cloud home costs about 4.7 years of the town's median household income, less than across Florida (5 years).
How St. Cloud ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,910
HUD's Fair Market Rent for a two-bedroom in St. Cloud is $1,910 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in St. Cloud pay a median of $1,683, so moving in tends to cost more than staying put. A two-bedroom takes about 28% of the town's median household income.
Studio $1,600 · 4 bedrooms $2,840
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (34744, 34769, 34771, 34772; Orlando-Kissimmee-Sanford, FL MSA), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.