St. Cloud Home Values (2026): What Houses Are Actually Selling For
St. Cloud, Osceola County, Florida · Momentum Research · updated 2026-09-07
Homes in St. Cloud sold for a median of $414,990 over the last 12 months (3,112 recorded sales), $206 per square foot, and prices are down 1.0% year over year. The typical sale took 46 days to go under contract and closed at 97.1% of the original asking price. Long run: 9.8% a year since 2012 (median $113K then). No algorithm can price your specific house from that; a records-based valuation can. The data first, then how to get one.
St. Cloud home values year by year
Median recorded sale price, price per square foot, days to contract and sale-to-ask for every year we hold St. Cloud sales. The compound growth rate works out to 9.8% a year since 2012 (median $113K then).
| Year | Median sale | $/sq ft | Days to contract | Sale-to-ask | Sales |
|---|---|---|---|---|---|
| 2012 | $112,787 | $64 | 36 | 88.3% | 23 |
| 2013 | $134,352 | $72 | 33 | 94.1% | 38 |
| 2014 | $168,679 | $91 | 35 | 96.5% | 193 |
| 2015 | $196,046 | $95 | 59 | 95.4% | 434 |
| 2016 | $206,643 | $104 | 40 | 96.4% | 826 |
| 2017 | $221,537 | $112 | 44 | 96.8% | 870 |
| 2018 | $245,597 | $126 | 55 | 96.4% | 128 |
| 2019 | $261,573 | $134 | 67 | 96.4% | 87 |
| 2021 | $357,998 | $161 | 5 | 102.3% | 36 |
| 2022 | $394,106 | $196 | 7 | 100.0% | 1,720 |
| 2023 | $438,976 | $213 | 18 | 98.8% | 875 |
| 2024 | $427,796 | $220 | 43 | 98.1% | 2,159 |
| 2025 | $430,365 | $219 | 51 | 97.3% | 2,847 |
| 2026 | $423,218 | $210 | 47 | 97.1% | 3,112 |
Where the St. Cloud market is tight, by price band
Months of supply is active inventory divided by the monthly sales pace; under about four months favors sellers, over six favors buyers. Find your band before you price.
| Price band | Active now | Sold (12 mo) | Months of supply | Days to contract |
|---|---|---|---|---|
| Under $300K | 56 | 177 | 3.8 | 54 |
| $300K–$500K | 409 | 1,483 | 3.3 | 55 |
| $500K–$750K | 53 | 173 | 3.7 | 73 |
St. Cloud home values by ZIP code
Active listings and list medians from our feeds today; the typical value and one-year change are Zillow’s ZHVI for the ZIP, which tracks the whole housing stock rather than only what sold.
| ZIP | Active listings | Median list | Typical value (ZHVI) | 1-yr change | Listings with a price cut |
|---|---|---|---|---|---|
| 34771 | 356 | $484,995 | $436,544 | -4.3% | 33% |
| 34772 | 226 | $419,000 | $398,991 | -3.3% | 31% |
| 34773 | 76 | $400,000 | $383,619 | -2.3% | 31% |
| 34769 | 62 | $327,000 | $318,664 | -2.8% | 30% |
Home values by community in St. Cloud
The communities with the most recorded sales in the last 12 months. Each links to its own home-value page with the full price history.
| Community | Median sale | Year over year | Days to contract | Sales (12 mo) | Active |
|---|---|---|---|---|---|
| THE CROSSINGS PH 2 | $397,395 | +2.1% | 11 | 118 | 8 |
| HARMONY WEST PH 1A | $414,990 | +3.8% | 36 | 111 | 32 |
| the crossings | $395,180 | +1.3% | 10 | 108 | 4 |
| THE CROSSINGS PH 1 | $395,180 | +1.2% | 10 | 106 | 0 |
| PRESTON COVE PH 1 & 2 | $339,990 | -2.9% | 47 | 86 | 0 |
| ST CLOUD 2ND TOWN OF | $295,000 | -1.7% | 24 | 83 | 27 |
| Harmony Central Harmony | $412,167 | +0.2% | 96 | 79 | 28 |
| BRACK RANCH | $447,990 | -3.2% | 31 | 77 | 14 |
| Weslyn Park Ph 3 | $549,000 | -3.3% | 49 | 77 | 0 |
| Buena Lago Ph 4 | $409,990 | +1.2% | 52 | 72 | 0 |
| BUENA LAGO | $410,990 | +1.5% | 54 | 70 | 12 |
| The Crossings Ph 2 | $400,000 | n/a | 14 | 63 | 0 |
Communities moving fastest in St. Cloud
Rising: DEL WEBB TWIN LAKES (+39%), Lakeshore At Narcoossee St Cloud (+12%). Year-over-year change in median recorded sale; small communities swing on a handful of sales, so read these as leads, not verdicts.
What moves the sale price in St. Cloud beyond the medians
Cash paid for about 11% of recent St. Cloud closings. New construction was 63% of sales, which sets the ceiling on what resale buyers will pay for a comparable resale. Sellers have been closing at 97.1% of original asking, so the list price is a negotiation opener, not the number. Zillow’s ZIP metrics put the city’s price-to-income ratio near 5.29 and five-year appreciation near +4.0%. Property mix: Single Family Residence 79%, Townhouse 15%, Manufactured Home 2%. Condition, lot, roof age, insurance quote and the specific street’s last three closings move an individual house well outside these ranges.
What is my house worth in St. Cloud?
Not a number this page can give you, and not one an automated model can either: every value above is a median of many St. Cloud sales, and the spread inside it is wide. A records-based valuation pulls the recorded closings on your street and in your community, adjusts for size, condition, lot and what your home has that the comps do not, and comes back as a written range with a net sheet showing what you would clear at each price after commissions, Florida doc stamps, title and payoff. Momentum Realty does that for St. Cloud owners at no cost through the form below; the Messtimate gives a square-footage range in the meantime, and the seller net proceeds calculator runs the arithmetic on any price you are considering.
Selling in St. Cloud: next steps
- Best time of year to sell in Osceola County
- Seller net proceeds calculator
- Osceola County property tax rate and calculator (what a buyer will pay after your sale)
- Homes for sale in St. Cloud right now (your competition)
- St. Cloud housing market: live data and trends
- How to choose a listing agent in St. Cloud
- How Momentum sells homes
Frequently asked questions
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Figures are recorded closed sales and active listings from the MLS feeds behind our St. Cloud pages, aggregated by Momentum Research as of 2026-09-07; ZIP typical values from Zillow (ZHVI). Community-level aggregates only; nothing on this page is a valuation of any specific property, an appraisal, or an offer. Deemed reliable but not guaranteed. EAB RE Investments LLC dba Momentum Realty, a licensed Florida real estate brokerage. Equal Housing Opportunity.