34769 (Saint Cloud)
Housing Market
Median sale price $375,000, down 0.7% year over year, with homes going under contract in about 51 days.
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Housing Market Analyst
Inventory sits at 2.8 months of supply — tight by the 3-to-6-month balanced benchmark, and 19% of listed homes are already under contract. Prices are down 0.7% versus the prior year, but sellers are still collecting 96.5% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors sellers.
- Prices — more likely to stabilize than fall sharply. Supply remains below balanced levels even as prices soften; without a meaningful inventory build, further declines tend to be shallow.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Negotiating power — sellers hold the leverage while 19% of inventory sits under contract.
- Mortgage sensitivity — at 5.3× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current 34769 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
Where 34769 is hot — and where it isn't
Each dot is a community (20 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 34769 (Saint Cloud)
The median sale price across 34769 currently stands at $375,000, down 0.7% from a year ago. Buyers are paying a median of $225 per square foot. The typical home goes under contract in about 51 days. Sellers are capturing 96.5% of their original asking price on average.
At the current sales pace that works out to 2.8 months of supply — a seller-leaning market by the standard six-month benchmark.
Zillow's home value index for Osceola County stands at $362,790. About 23% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 34769 is 60 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
34769 since 2012 — and where it’s heading
A median home here sold for $65,325 in 2012 and $379,288 over the last recorded year — 481% appreciation across 14 years of recorded sales. Cash buyers took 19% of recent sales, down from a 34% peak.
Median sale price · 2012–2026 (1,908 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Osceola County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Osceola County (MLS)
What’s driving 34769
Top inbound states: NY, NJ, TX, MA. Movers arriving report ~$59,276 average income. Source: IRS SOI county-to-county migration, 2022-2023
2,188 Citizens policies in force in Osceola County — the state-backed insurer of last resort. Budget insurance into any Osceola purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
5,085 single-family · 2,281 multi-family · 18.1 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in 34769 right now.
The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.
Sellers: price to the last 60 days of comps, not the peak — well-prepared listings are still commanding strong terms. Buyers: get underwritten now so you can move when the right house hits.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Osceola
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 34769 ← this page | $375K | — | 60 | |
| 34746 | $400K | 231 | 44 | Open → |
| 34771 | $412K | 212 | 65 | Open → |
| 34747 | $470K | 186 | 37 | Open → |
| 34741 | $408K | 178 | 50 | Open → |
| 34772 | $411K | 138 | 64 | Open → |
Neighborhoods on the move
| ELLINGTON PLACESt. Cloud | $469K | ▲ 4% |
| PALM GARDENS CONDOSaint Cloud | $122K | ▲ 2% |
| BRISTOL COVE AT DEER CREEK PH 02Saint Cloud | $360K | ▲ 1% |
| S L & I CSt. Cloud | $565K | ▲ 1% |
| HARMONY CENTRAL PH 1Saint Cloud | $412K | ▲ 1% |
| ANTHEM PARK PH 3ASaint Cloud | $350K | ▼ 10% |
| PINE LAKE ESTATES UNIT 1Saint Cloud | $375K | ▼ 5% |
| ST CLOUD 2ND TOWN OFSt. Cloud | $295K | ▼ 2% |
| SKY LAKES PH 2 & 3St. Cloud | $380K | ▼ 0% |
| HARMONY CENTRAL PH 1Saint Cloud | $412K | ▼ 1% |
| ST CLOUD 2ND TOWN OFSt. Cloud | $295K | 27 |
| ST CLOUD 2ND PLAT TOWN OFSaint Cloud | $325K | 3 |
| ELLINGTON PLACESt. Cloud | $469K | 1 |
| PINE LAKE ESTATES UNIT 1Saint Cloud | $375K | 24 days |
| ST CLOUD 2ND TOWN OFSt. Cloud | $295K | 24 days |
| SKY LAKES PH 2 & 3St. Cloud | $380K | 26 days |
| PALM GARDENS CONDOSaint Cloud | $122K | 34 days |
| S L & I CSt. Cloud | $565K | 42 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 34769 right now?
The data says conditions currently favor neither side decisively in 34769 — the Momentum Score reads 60/100 with 2.8 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 34769 becoming more affordable?
Yes, modestly — the median sale price in 34769 is $375,000, down 0.7% versus the prior year, while sellers still capture 96.5% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 34769?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are ANTHEM PARK PH 3A (-10%); PINE LAKE ESTATES UNIT 1 (-5%); ST CLOUD 2ND TOWN OF (-2%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 34769 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are PINE LAKE ESTATES UNIT 1 (24 days); ST CLOUD 2ND TOWN OF (24 days); SKY LAKES PH 2 & 3 (26 days) — homes there go under contract well ahead of the market-wide pace of 51 days.
34769 (Saint Cloud) housing market FAQ
What is the median home price in 34769?
The median sale price in 34769 is currently $375,000, down 0.7% from a year ago, based on MLS sales data updated August 6, 2026.
Is 34769 a buyer's or seller's market right now?
The data currently favors sellers. 34769 scores 60 of 100 on the Momentum Score, with 2.8 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 34769?
The typical home in 34769 goes under contract in about 51 days, per current MLS data.
Are home prices in 34769 rising or falling?
Median sale prices are down 0.7% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 34769 (Saint Cloud). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.