Saint Cloud
Housing Market
Median sale price $440,000, down 2.3% year over year, with homes going under contract in about 53 days.
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Housing Market Analyst
Inventory sits at 5.8 months of supply — balanced by the 3-to-6-month balanced benchmark, and 42% of listed homes are already under contract. Prices are down 2.3% versus the prior year, but sellers are still collecting 96.1% 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 neither side decisively.
- Prices — balanced supply argues for a sideways market; condition and pricing decide individual outcomes.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 42% 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 Saint Cloud data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
Where Saint Cloud is hot — and where it isn't
Each dot is a community (45 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on Saint Cloud
The median sale price across Saint Cloud currently stands at $440,000, down 2.3% from a year ago. Buyers are paying a median of $208 per square foot. The typical home goes under contract in about 53 days. Sellers are capturing 96.1% of their original asking price on average.
At the current sales pace that works out to 5.8 months of supply — roughly balanced conditions by the standard six-month benchmark.
Saint Cloud prices sit above the Osceola County median by roughly 7%. Zillow's home value index for Osceola County stands at $363,472. 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 Saint Cloud is 56 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 15, 2026.
Saint Cloud since 2013 — and where it’s heading
A median home here sold for $152,300 in 2013 and $451,156 over the last recorded year — 196% appreciation across 13 years of recorded sales. Cash buyers took 14% of recent sales, down from a 29% peak.
Median sale price · 2013–2026 (4,552 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 Saint Cloud
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.
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.
How it stacks up across Osceola County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Saint Cloud ← this page | $440K | — | 56 | |
| Kissimmee | $388K | 1,223 | 44 | Open → |
| St. Cloud | $415K | 597 | 67 | Open → |
| Davenport | $382K | 157 | 36 | Open → |
| Reunion | $408K | 55 | 20 | Open → |
| Celebration | $839K | 38 | 62 | Open → |
Neighborhoods on the move
| HANOVER LAKES PH 1Saint Cloud | $602K | ▲ 20% |
| MALLARD POND PH 01Saint Cloud | $388K | ▲ 8% |
| ESPRIT PH 01Saint Cloud | $420K | ▲ 8% |
| LAKESHORE AT NARCOOSSEE PH 1Saint Cloud | $458K | ▲ 4% |
| HICKORY GROVE PH 1Saint Cloud | $398K | ▲ 3% |
| TWIN LAKES PH 1Saint Cloud | $450K | ▼ 15% |
| ANTHEM PARK PH 3ASaint Cloud | $350K | ▼ 10% |
| SUNBROOKE PH 2Saint Cloud | $445K | ▼ 8% |
| AMELIA GROVES PH 1Saint Cloud | $440K | ▼ 6% |
| GRAMERCY FARMS PH 4Saint Cloud | $355K | ▼ 5% |
| WESLYN PARKSaint Cloud | $544K | 38 |
| LANCASTER PARK EAST PH 2Saint Cloud | $462K | 11 days |
| BRIDGEWALK PH 1ASaint Cloud | $581K | 12 days |
| PINE LAKE ESTATES UNIT 1Saint Cloud | $375K | 24 days |
| AMELIA GROVES PH 1Saint Cloud | $440K | 26 days |
| ESPRIT PH 01Saint Cloud | $420K | 26 days |
Saint Cloud ZIP codes
Most active communities
More on Saint Cloud
Put this data to work
The questions people actually ask
Should I buy a house in Saint Cloud right now?
The data says conditions currently favor neither side decisively in Saint Cloud — the Momentum Score reads 56/100 with 5.8 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 Saint Cloud becoming more affordable?
Yes, modestly — the median sale price in Saint Cloud is $440,000, down 2.3% versus the prior year, while sellers still capture 96.1% 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 Saint Cloud?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are TWIN LAKES PH 1 (-15%); ANTHEM PARK PH 3A (-10%); SUNBROOKE PH 2 (-8%). 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 Saint Cloud neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are LANCASTER PARK EAST PH 2 (11 days); BRIDGEWALK PH 1A (12 days); PINE LAKE ESTATES UNIT 1 (24 days) — homes there go under contract well ahead of the market-wide pace of 53 days.
How does Saint Cloud compare to the rest of Osceola County?
Saint Cloud's median of $440,000 runs 7% above the county-wide median of $410,990, and homes here take 53 days to go under contract versus 57 county-wide.
Saint Cloud housing market FAQ
Is it a good time to sell a house in Saint Cloud?
By the numbers, sellers in Saint Cloud are getting 96.1% of asking price and going under contract in about 53 days with 5.8 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 Saint Cloud housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Saint Cloud median sale prices are down 2.3% year over year, inventory stands at 5.8 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 Saint Cloud?
The median sale price in Saint Cloud is currently $440,000, down 2.3% from a year ago, based on MLS sales data updated September 15, 2026.
Is Saint Cloud a buyer's or seller's market right now?
The data currently is roughly balanced. Saint Cloud scores 56 of 100 on the Momentum Score, with 5.8 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Saint Cloud?
The typical home in Saint Cloud goes under contract in about 53 days, per current MLS data.
Are home prices in Saint Cloud rising or falling?
Median sale prices are down 2.3% 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 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: September 15, 2026 at 7:33 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.