34772 (St. Cloud)
Housing Market & Home Values
Median sale price $409,990, down 1.0% year over year, with homes going under contract in about 43 days, 321 homes on the market.
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Housing Market Analyst
Inventory sits at 3.7 months of supply — balanced by the 3-to-6-month balanced benchmark, and 42% of listed homes are already under contract. Prices are down 1.0% versus the prior year, but sellers are still collecting 97.0% 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 42% 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 34772 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 34772 is hot — and where it isn't
Each dot is a community (89 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on 34772 (St. Cloud)
The median sale price across 34772 currently stands at $409,990, down 1.0% from a year ago. Buyers are paying a median of $206 per square foot. The typical home goes under contract in about 43 days. Sellers are capturing 97.0% of their original asking price on average.
There are 321 active listings on the market, with 158 more already under contract. At the current sales pace that works out to 3.7 months of supply — a seller-leaning market by the standard six-month benchmark. 1,035 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 34772 is 67 of 100 — healthy market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 5, 2026.
34772 since 2012 — and where it’s heading
A median home here sold for $133,690 in 2012 and $425,894 over the last recorded year — 219% appreciation across 14 years of recorded sales. Cash buyers took 8% of recent sales, down from a 31% peak.
Median sale price · 2012–2026 (9,845 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 34772
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 34772 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 | |
|---|---|---|---|---|
| 34772 ← this page | $410K | 321 | 67 | |
| 34747 | $460K | 581 | 36 | Open → |
| 34771 | $436K | 473 | 67 | Open → |
| 34746 | $405K | 435 | 40 | Open → |
| 34741 | $411K | 207 | 52 | Open → |
| 34758 | $305K | 176 | 56 | Open → |
Neighborhoods on the move
| EDEN AT CROSSPRAIRIESt. Cloud | $496K | ▲ 34% |
| Del Webb Twin LakesSt. Cloud | $438K | ▲ 29% |
| HANOVER LAKES PH 1Saint Cloud | $602K | ▲ 20% |
| Hanover Lakes Ph 5St. Cloud | $558K | ▲ 12% |
| Mallard Pond Ph 4BSt. Cloud | $390K | ▲ 10% |
| ST CLOUD MANOR ESTATES UNIT 2St. Cloud | $440K | ▼ 20% |
| Twin Lakes Phase 4ASt. Cloud | $445K | ▼ 17% |
| TWIN LAKES PH 1Saint Cloud | $450K | ▼ 15% |
| eden at cross prairieSt. Cloud | $480K | ▼ 14% |
| Stevens PlantationSt. Cloud | $518K | ▼ 11% |
| TOHOQUAKissimmee | $406K | 49 |
| WESLYN PARKSaint Cloud | $544K | 38 |
| S L & I CSt. Cloud | $560K | 32 |
| HANOVER LAKES PH 2St. Cloud | $540K | 19 |
| gramercy farmsSt. Cloud | $356K | 18 |
| Estates At Hickory CoveSt. Cloud | $377K | 2 days |
| Crossprairie 32S St CloudSt. Cloud | $369K | 9 days |
| THE CROSSINGS PH 1St. Cloud | $395K | 10 days |
| the crossingsSt. Cloud | $398K | 11 days |
| CROSSPRAIRIE 50SSt. Cloud | $468K | 11 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 34772 right now?
The data says conditions currently favor sellers in 34772 — the Momentum Score reads 67/100 with 3.7 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 34772 becoming more affordable?
Yes, modestly — the median sale price in 34772 is $409,990, down 1.0% versus the prior year, while sellers still capture 97.0% 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 34772?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are ST CLOUD MANOR ESTATES UNIT 2 (-20%); Twin Lakes Phase 4A (-17%); 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 34772 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Estates At Hickory Cove (2 days); Crossprairie 32S St Cloud (9 days); THE CROSSINGS PH 1 (10 days) — homes there go under contract well ahead of the market-wide pace of 43 days.
34772 (St. Cloud) housing market FAQ
How is the housing market in 34772 right now?
As of October 5, 2026, the 34772 housing market favors sellers: the median sale price is $409,990 (down 1.0% year over year), 321 homes are for sale against 1,035 sales in the last 12 months, which is 3.7 months of supply, and the typical home goes under contract in about 43 days.
How much is a house in 34772?
The median home sold for $409,990 in 34772 over the last 12 months, about $206 per square foot; asking prices on the 321 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 34772?
By the numbers, sellers in 34772 are getting 97.0% of asking price and going under contract in about 43 days with 3.7 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 34772 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 34772 median sale prices are down 1.0% year over year, inventory stands at 3.7 months of supply, and 42% 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 34772?
The median sale price in 34772 is currently $409,990, down 1.0% from a year ago, based on MLS sales data updated October 5, 2026.
Is 34772 a buyer's or seller's market right now?
The data currently favors sellers. 34772 scores 67 of 100 on the Momentum Score, with 3.7 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in 34772?
The typical home in 34772 goes under contract in about 43 days, per current MLS data.
How many homes are for sale in 34772?
There are approximately 321 active listings in 34772 as of October 5, 2026.
Are home prices in 34772 rising or falling?
Median sale prices are down 1.0% 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 34772 (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 5, 2026 at 1:44 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.