34771 (Saint Cloud)
Housing Market
Median sale price $412,000, down 1.8% year over year, with homes going under contract in about 46 days, 212 homes on the market.
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Housing Market Analyst
Inventory sits at 3.4 months of supply — balanced by the 3-to-6-month balanced benchmark, and 36% of listed homes are already under contract. Prices are down 1.8% versus the prior year, but sellers are still collecting 97.1% of asking. Taken together, the data points to a seller-leaning market.
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 36% 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 34771 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 34771 is hot — and where it isn't
Each dot is a community (72 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 34771 (Saint Cloud)
The median sale price across 34771 currently stands at $412,000, down 1.8% from a year ago. Buyers are paying a median of $215 per square foot. The typical home goes under contract in about 46 days. Sellers are capturing 97.1% of their original asking price on average.
There are 212 active listings on the market, with 140 more already under contract. At the current sales pace that works out to 3.4 months of supply — a seller-leaning market by the standard six-month benchmark. 763 homes closed here over the trailing 12 months.
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 34771 is 65 of 100 — healthy market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
34771 since 2013 — and where it’s heading
A median home here sold for $175,214 in 2013 and $430,972 over the last recorded year — 146% appreciation across 13 years of recorded sales. Cash buyers took 11% of recent sales, down from a 21% peak.
Median sale price · 2013–2026 (5,839 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 34771
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 34771 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 | |
|---|---|---|---|---|
| 34771 ← this page | $412K | 212 | 65 | |
| 34746 | $400K | 231 | 44 | Open → |
| 34747 | $470K | 186 | 37 | Open → |
| 34741 | $408K | 178 | 50 | Open → |
| 34772 | $411K | 138 | 64 | Open → |
| 34758 | $315K | 118 | 53 | Open → |
Neighborhoods on the move
| HANOVER LAKES PH 1Saint Cloud | $602K | ▲ 20% |
| ESPLANADE AT CENTER LAKE RANCHSt. Cloud | $359K | ▲ 8% |
| GARDENS AT LANCASTER PARKSt. Cloud | $508K | ▲ 5% |
| ELLINGTON PLACESt. Cloud | $469K | ▲ 4% |
| LAKESHORE AT NARCOOSSEE PH 1Saint Cloud | $458K | ▲ 4% |
| NARCOOSSEE NEW MAP OFSaint Cloud | $365K | ▼ 53% |
| EDEN AT CROSS PRAIRIESt. Cloud | $480K | ▼ 16% |
| TWIN LAKES PH 1Saint Cloud | $450K | ▼ 15% |
| CENTER LAKE ON THE PARKSt. Cloud | $420K | ▼ 10% |
| SUNBROOKE PH 2Saint Cloud | $445K | ▼ 8% |
| TOHOQUAKissimmee | $406K | 49 |
| WESLYN PARKSaint Cloud | $544K | 38 |
| ST CLOUD 2ND TOWN OFSt. Cloud | $295K | 27 |
| BRACK RANCHSt. Cloud | $448K | 14 |
| CENTER LAKE ON THE PARKSt. Cloud | $420K | 13 |
| BRIDGE POINTESt. Cloud | $339K | 8 days |
| THE CROSSINGS PH 1St. Cloud | $395K | 10 days |
| LANCASTER PARK EAST PH 2Saint Cloud | $462K | 11 days |
| BRIDGEWALK PH 1ASaint Cloud | $581K | 12 days |
| TOHOQUAKissimmee | $406K | 14 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 34771 right now?
The data says conditions currently favor sellers in 34771 — the Momentum Score reads 65/100 with 3.4 months of supply. Buyers should come fully underwritten; sellers still set the pace here. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 34771 becoming more affordable?
Yes, modestly — the median sale price in 34771 is $412,000, down 1.8% versus the prior year, while sellers still capture 97.1% 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 34771?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are NARCOOSSEE NEW MAP OF (-53%); EDEN AT CROSS PRAIRIE (-16%); TWIN LAKES PH 1 (-15%). 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 34771 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are BRIDGE POINTE (8 days); THE CROSSINGS PH 1 (10 days); LANCASTER PARK EAST PH 2 (11 days) — homes there go under contract well ahead of the market-wide pace of 46 days.
34771 (Saint Cloud) housing market FAQ
What is the median home price in 34771?
The median sale price in 34771 is currently $412,000, down 1.8% from a year ago, based on MLS sales data updated August 6, 2026.
Is 34771 a buyer's or seller's market right now?
The data currently favors sellers. 34771 scores 65 of 100 on the Momentum Score, with 3.4 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 34771?
The typical home in 34771 goes under contract in about 46 days, per current MLS data.
How many homes are for sale in 34771?
There are approximately 212 active listings in 34771 as of August 6, 2026.
Are home prices in 34771 rising or falling?
Median sale prices are down 1.8% 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 34771 (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.