34769 (St. Cloud)
Housing Market & Home Values
Median sale price $412,000, down 0.7% year over year, with homes going under contract in about 58 days, 141 homes on the market.
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Housing Market Analyst
Inventory sits at 3.9 months of supply — balanced by the 3-to-6-month balanced benchmark, and 28% of listed homes are already under contract. Prices are down 0.7% versus the prior year, but sellers are still collecting 96.3% 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 — buyers gain ground as 28% of inventory sits under contract.
- Mortgage sensitivity — at 5.2× 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 (40 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 34769 (St. Cloud)
The median sale price across 34769 currently stands at $412,000, down 0.7% from a year ago. Buyers are paying a median of $196 per square foot. The typical home goes under contract in about 58 days. Sellers are capturing 96.3% of their original asking price on average.
There are 141 active listings on the market, with 49 more already under contract. At the current sales pace that works out to 3.9 months of supply — a seller-leaning market by the standard six-month benchmark. 471 homes closed here over the trailing 12 months.
Zillow's home value index for Osceola County stands at $359,490. About 24% 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 58 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 6, 2026.
34769 since 2012 — and where it’s heading
A median home here sold for $108,800 in 2012 and $399,778 over the last recorded year — 267% appreciation across 14 years of recorded sales. Cash buyers took 9% of recent sales, down from a 29% peak.
Median sale price · 2012–2026 (4,458 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)
Median price · daily recalculation
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.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
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 | $412K | 141 | 58 | |
| 34747 | $460K | 581 | 36 | Open → |
| 34771 | $436K | 473 | 67 | Open → |
| 34746 | $405K | 435 | 40 | Open → |
| 34772 | $410K | 321 | 67 | Open → |
| 34741 | $411K | 207 | 52 | Open → |
Neighborhoods on the move
| St Cloud 2Nd Town OfSt. Cloud | $300K | ▲ 5% |
| Ellington PlaceSt. Cloud | $468K | ▲ 3% |
| Waters At Center Lake RanchSt. Cloud | $492K | ▲ 3% |
| BRISTOL COVE AT DEER CREEK PH 02Saint Cloud | $360K | ▲ 1% |
| Harmony Central HarmonySt. Cloud | $412K | ▲ 1% |
| Stevens PlantationSt. Cloud | $518K | ▼ 11% |
| ANTHEM PARK PH 3ASaint Cloud | $350K | ▼ 10% |
| SOUTHERN PINES UNIT 1St. Cloud | $375K | ▼ 9% |
| Anthem Park Tract M ReplatSt. Cloud | $350K | ▼ 8% |
| PINE LAKE ESTATES UNIT 1Saint Cloud | $375K | ▼ 5% |
| S L & I CSt. Cloud | $560K | 32 |
| St Cloud 2Nd Town OfSt. Cloud | $300K | 27 |
| Harmony Central HarmonySt. Cloud | $412K | 26 |
| SOUTHERN PINES UNIT 1St. Cloud | $375K | 12 |
| Waters At Center Lake RanchSt. Cloud | $492K | 9 |
| St Cloud 2Nd Town OfSt. Cloud | $300K | 22 days |
| PINE LAKE ESTATES UNIT 1Saint Cloud | $375K | 24 days |
| pine lake estates unit bSt. Cloud | $379K | 32 days |
| Sky Lakes Ph 2 & 3St. Cloud | $365K | 39 days |
| S L & I CSt. Cloud | $560K | 44 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 58/100 with 3.9 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 $412,000, down 0.7% versus the prior year, while sellers still capture 96.3% 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 Stevens Plantation (-11%); ANTHEM PARK PH 3A (-10%); SOUTHERN PINES UNIT 1 (-9%). 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 St Cloud 2Nd Town Of (22 days); PINE LAKE ESTATES UNIT 1 (24 days); pine lake estates unit b (32 days) — homes there go under contract well ahead of the market-wide pace of 58 days.
34769 (St. Cloud) housing market FAQ
How is the housing market in 34769 right now?
As of October 6, 2026, the 34769 housing market favors sellers: the median sale price is $412,000 (down 0.7% year over year), 141 homes are for sale against 471 sales in the last 12 months, which is 3.9 months of supply, and the typical home goes under contract in about 58 days.
How much is a house in 34769?
The median home sold for $412,000 in 34769 over the last 12 months, about $196 per square foot; asking prices on the 141 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in 34769?
By the numbers, sellers in 34769 are getting 96.3% of asking price and going under contract in about 58 days with 3.9 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the 34769 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 34769 median sale prices are down 0.7% year over year, inventory stands at 3.9 months of supply, and 28% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in 34769?
The median sale price in 34769 is currently $412,000, down 0.7% from a year ago, based on MLS sales data updated October 6, 2026.
Is 34769 a buyer's or seller's market right now?
The data currently favors sellers. 34769 scores 58 of 100 on the Momentum Score, with 3.9 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 58 days, per current MLS data.
How many homes are for sale in 34769?
There are approximately 141 active listings in 34769 as of October 6, 2026.
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 (St. 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: October 6, 2026 at 7:22 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.