St. Cloud
Housing Market
Median sale price $412,500, down 1.4% year over year, with homes going under contract in about 47 days, 379 homes on the market.
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Housing Market Analyst
Inventory sits at 5.2 months of supply — balanced by the 3-to-6-month balanced benchmark, and 32% of listed homes are already under contract. Prices are down 1.4% versus the prior year, but sellers are still collecting 97.0% 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 32% 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 (200 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 $412,500, down 1.4% from a year ago. Buyers are paying a median of $207 per square foot. The typical home goes under contract in about 47 days. Sellers are capturing 97.0% of their original asking price on average.
There are 379 active listings on the market, with 232 more already under contract. At the current sales pace that works out to 5.2 months of supply — roughly balanced conditions by the standard six-month benchmark. 1,395 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 St. Cloud is 57 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
St. Cloud since 2012 — and where it’s heading
A median home here sold for $115,268 in 2012 and $424,831 over the last recorded year — 269% appreciation across 14 years of recorded sales. Cash buyers took 11% of recent sales, down from a 28% peak.
Median sale price · 2012–2026 (11,446 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 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.
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 | |
|---|---|---|---|---|
| St. Cloud ← this page | $412K | 379 | 57 | |
| Kissimmee | $392K | 873 | 45 | Open → |
| Davenport | $383K | 81 | 40 | Open → |
| Harmony | $325K | 27 | 51 | Open → |
Neighborhoods on the move
| DEL WEBB TWIN LAKESSt. Cloud | $465K | ▲ 39% |
| Hanover Lakes Ph 5St. Cloud | $602K | ▲ 21% |
| lake pointeSt. Cloud | $685K | ▲ 15% |
| Lakeshore At Narcoossee St CloudSt. Cloud | $458K | ▲ 12% |
| Mallard Pond Ph 4BSt. Cloud | $388K | ▲ 9% |
| Eden At Cross Prairie Ph 2St. Cloud | $415K | ▼ 28% |
| Stevens Plantation St CloudSt. Cloud | $458K | ▼ 22% |
| ST CLOUD MANOR ESTATES UNIT 2St. Cloud | $440K | ▼ 20% |
| Twin Lakes Phase 4ASt. Cloud | $450K | ▼ 17% |
| EDEN AT CROSS PRAIRIESt. Cloud | $480K | ▼ 16% |
| Harmony Central HarmonySt. Cloud | $412K | 28 |
| ST CLOUD 2ND TOWN OFSt. Cloud | $295K | 27 |
| Gramercy Farms St CloudSt. Cloud | $355K | 20 |
| Lakeshore At Narcoossee St CloudSt. Cloud | $458K | 15 |
| BRACK RANCHSt. Cloud | $448K | 14 |
| ESTATES AT HICKORY COVESt. Cloud | $378K | 6 days |
| BRIDGE POINTESt. Cloud | $339K | 8 days |
| CROSSPRAIRIE 32SSt. Cloud | $371K | 9 days |
| Lancaster Park East Ph 3St. Cloud | $455K | 10 days |
| the crossingsSt. Cloud | $395K | 10 days |
St. Cloud ZIP codes
Most active communities
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 neither side decisively in St. Cloud — the Momentum Score reads 57/100 with 5.2 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 St. Cloud becoming more affordable?
Yes, modestly — the median sale price in St. Cloud is $412,500, down 1.4% 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 St. Cloud?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Eden At Cross Prairie Ph 2 (-28%); Stevens Plantation St Cloud (-22%); 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 (6 days); BRIDGE POINTE (8 days); CROSSPRAIRIE 32S (9 days) — homes there go under contract well ahead of the market-wide pace of 47 days.
How does St. Cloud compare to the rest of Osceola County?
St. Cloud's median of $412,500 runs 1% above the county-wide median of $409,990, and homes here take 47 days to go under contract versus 58 county-wide.
St. Cloud housing market FAQ
What is the median home price in St. Cloud?
The median sale price in St. Cloud is currently $412,500, down 1.4% from a year ago, based on MLS sales data updated August 6, 2026.
Is St. Cloud a buyer's or seller's market right now?
The data currently is roughly balanced. St. Cloud scores 57 of 100 on the Momentum Score, with 5.2 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 47 days, per current MLS data.
How many homes are for sale in St. Cloud?
There are approximately 379 active listings in St. Cloud as of August 6, 2026.
Are home prices in St. Cloud rising or falling?
Median sale prices are down 1.4% 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: 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.