St. Cloud
Housing Market
Median sale price $414,990, with homes going under contract in about 46 days, 597 homes on the market.
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Housing Market Analyst
Inventory sits at 3.2 months of supply — balanced by the 3-to-6-month balanced benchmark, and 36% of listed homes are already under contract. Prices are up 0.0% versus the prior year and 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 — pressure remains upward while supply stays this thin.
- 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 St. Cloud 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 St. Cloud is hot — and where it isn't
Each dot is a community (231 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.
The read on St. Cloud
The median sale price across St. Cloud currently stands at $414,990, essentially flat year over year. Buyers are paying a median of $205 per square foot. The typical home goes under contract in about 46 days. Sellers are capturing 97.0% of their original asking price on average.
There are 597 active listings on the market, with 283 more already under contract. At the current sales pace that works out to 3.2 months of supply — a seller-leaning market by the standard six-month benchmark. 2,190 homes closed here over the trailing 12 months.
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 St. Cloud 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 September 16, 2026.
St. Cloud since 2012 — and where it’s heading
A median home here sold for $107,818 in 2012 and $422,897 over the last recorded year — 292% appreciation across 14 years of recorded sales. Cash buyers took 8% of recent sales, down from a 33% peak.
Median sale price · 2012–2026 (15,711 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 St. 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.
The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in St. Cloud 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.
How it stacks up across Osceola County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| St. Cloud ← this page | $415K | 597 | 67 | |
| Kissimmee | $388K | 1,223 | 44 | Open → |
| Davenport | $382K | 157 | 36 | Open → |
| Reunion | $408K | 55 | 20 | Open → |
| Celebration | $839K | 38 | 62 | Open → |
| Harmony | $415K | 8 | 65 | Open → |
Neighborhoods on the move
| esplanade at center lake ranchSt. Cloud | $518K | ▲ 52% |
| Del Webb Twin LakesSt. Cloud | $438K | ▲ 29% |
| EDEN AT CROSSPRAIRIESt. Cloud | $493K | ▲ 22% |
| Turtle Creek Ph 1BSt. Cloud | $470K | ▲ 13% |
| Del Webb Sunbridge Ph 2CSt. Cloud | $500K | ▲ 12% |
| Narcoossee New Map OfSt. Cloud | $415K | ▼ 31% |
| Eden At Cross Prairie Ph 2St. Cloud | $415K | ▼ 28% |
| ST CLOUD MANOR ESTATES UNIT 2St. Cloud | $440K | ▼ 20% |
| Preserve At Turtle Creek Ph 5St. Cloud | $402K | ▼ 20% |
| eden at cross prairieSt. Cloud | $480K | ▼ 15% |
| S L & I CSt. Cloud | $560K | 34 |
| HARMONY WEST PH 1ASt. Cloud | $415K | 32 |
| Harmony Central HarmonySt. Cloud | $412K | 28 |
| St Cloud 2Nd Town OfSt. Cloud | $297K | 28 |
| Center Lake On The ParkSt. Cloud | $436K | 20 |
| Estates At Hickory CoveSt. Cloud | $377K | 2 days |
| Bridge PointeSt. Cloud | $339K | 9 days |
| Crossprairie 32S St CloudSt. Cloud | $369K | 9 days |
| THE CROSSINGS PH 1St. Cloud | $395K | 10 days |
| the crossingsSt. Cloud | $398K | 11 days |
St. Cloud ZIP codes
Most active communities
More on St. Cloud
Put this data to work
The questions people actually ask
Should I buy a house in St. Cloud right now?
The data says conditions currently favor sellers in St. Cloud — the Momentum Score reads 67/100 with 3.2 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 St. Cloud becoming more affordable?
No — the median sale price in St. Cloud is $414,990, up 0.0% versus the prior year, while sellers still capture 97.0% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in St. Cloud?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Narcoossee New Map Of (-31%); Eden At Cross Prairie Ph 2 (-28%); ST CLOUD MANOR ESTATES UNIT 2 (-20%). 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 St. Cloud neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Estates At Hickory Cove (2 days); Bridge Pointe (9 days); Crossprairie 32S St Cloud (9 days) — homes there go under contract well ahead of the market-wide pace of 46 days.
How does St. Cloud compare to the rest of Osceola County?
St. Cloud's median of $414,990 runs 1% above the county-wide median of $410,990, and homes here take 46 days to go under contract versus 57 county-wide.
St. Cloud housing market FAQ
How is the housing market in St. Cloud right now?
As of September 16, 2026, the St. Cloud housing market favors sellers: the median sale price is $414,990, 597 homes are for sale against 2,190 sales in the last 12 months, which is 3.2 months of supply, and the typical home goes under contract in about 46 days.
How much is a house in St. Cloud?
The median home sold for $414,990 in St. Cloud over the last 12 months, about $205 per square foot; asking prices on the 597 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 St. Cloud?
By the numbers, sellers in St. Cloud are getting 97.0% of asking price and going under contract in about 46 days with 3.2 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 St. Cloud housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: St. Cloud median sale prices are flat 0.0% year over year, inventory stands at 3.2 months of supply, and 36% 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 St. Cloud?
The median sale price in St. Cloud is currently $414,990, based on MLS sales data updated September 16, 2026.
Is St. Cloud a buyer's or seller's market right now?
The data currently favors sellers. St. Cloud scores 67 of 100 on the Momentum Score, with 3.2 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in St. Cloud?
The typical home in St. Cloud goes under contract in about 46 days, per current MLS data.
How many homes are for sale in St. Cloud?
There are approximately 597 active listings in St. Cloud as of September 16, 2026.
Are home prices in St. Cloud rising or falling?
Median sale prices are flat 0.0% 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 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: September 16, 2026 at 7:48 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.