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Florida Housing Data · ZIP Scorecard

Saint Cloud, FL (34771) housing scorecard.

Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 34771, free, from Zillow, Realtor.com and Census data.

Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED. Score by Momentum Realty (methodology).
Updated 2026-08-01
76/ 100
Momentum Market Score
Strong buyer value
Saint Cloud, FL (34771) is priced low against incomes with real negotiating room.

The typical home runs about 4.31 times the local median income, which is roughly 13.8% cheaper than the Florida norm. Gross rent yield is around 6.63%. Values are up roughly 3.7% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 26.2% of a median income in principal and interest, the affordability squeeze in one number. About 31.6% of listings have cut their price.

$436,985
Home value
1yr -4.5%
3.7%
5yr growth/yr
ZHVI CAGR
$2,415
Median rent
monthly (ZORI)
6.63%
Cap rate
gross yield
4.31x
Price to income
value vs incomes
-13.8%
Over/undervalued
vs FL norm
26.2%
Affordability
income to own/yr
68
Days on market
median (Realtor)
31.6%
Price cuts
share of listings
$101,434
Median income
household (Census)
31,368
Population
Census ACS
154
New listings
last month

Typical home value, last 13 months

What drives the score

Cheapness vs income75
Price-cut leverage86
Inventory growth91
Affordability75
Rent yield44

Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.

Osceola County scorecardAll Florida counties

Common questions

Is Saint Cloud, FL (34771) a buyer's or seller's market?

By the Momentum Market Score, Saint Cloud, FL (34771) reads strong buyer value (76 out of 100), meaning it is priced low against incomes with real negotiating room. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.

What is the typical home value in Saint Cloud?

About $436,985 (Zillow Home Value Index, 2026-08-01), up roughly 3.7% a year over five years.

Where does this data come from?

Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.

Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.

Housing distress & ownership in ZIP 34771

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
2.02%
10 of 496 listings · short sale 10
Months of supply
4.4
balanced · active inventory ÷ sales pace (trailing 12 mo)
Out-of-state owners
13.3%
mailing address outside FL
Non-homestead
62.9%
not owner-occupied (investor/2nd-home proxy)
Median just value
$229,600
29,655 parcels
Median owner tenure
1 yrs
years since the home last sold (county tax roll)
Owners at 2× their price
0.8%
today’s just value is at least double the last sale price
Median closed sale price — $440,721 · ▼ 0.9% yr (12-mo rolling)
Distress share trend — 2.02% now (2026-08-10 → 2026-08-11)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.

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