Moving to St. Cloud, Florida: The 2026 Data Guide
As of 2026-09-11, the median home sold in St. Cloud, Florida over the last 12 months went for $440,000 (225 closings across 15 communities in Momentum’s MLS record), about $212 per square foot for a median 2,103-sq-ft home built around 2025. Homes currently listed have been on the market a median of 57 days, and with 135 active listings against that sales pace the city is carrying roughly 7.2 months of supply. Sellers have been getting about 98% of their original asking price. That median is 9% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in St. Cloud
Three price points from 103 recent St. Cloud closings in our record, each showing what actually closed within 10% of that price:
- Around $389,075: the typical sale in this band was a 4-bed, 2-bath home of about 1,828 sq ft, built around 2025 (37 sales).
- Around $440,000: the typical sale in this band was a 4-bed, 3-bath home of about 2,119 sq ft, built around 2025 (42 sales).
- Around $540,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,199 sq ft, built around 2026 (11 sales).
The real monthly cost of owning in St. Cloud
Take the median $440,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $2,274/month. Osceola County’s typical total millage is 15.23 mills, so after the $50,000 homestead exemption the property tax is roughly $5,941/year ($495/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Osceola County is about $1,735/year; private-market quotes vary with roof age and wind mitigation. 100% of current St. Cloud listings carry an HOA, with a median of $110/month where one applies. All in, budget on the order of $3,023/month to own the median St. Cloud home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Osceola County property tax guide and our home insurance by county map.
Where people are buying: St. Cloud’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Buena Lago | 70 | $410,990 | 53 |
| The Waters at Center Lake Ranch | 62 | $517,500 | 57 |
| Trinity Place | 51 | $439,990 | 62 |
| The Meadow at Crossprairie | 21 | $421,165 | 98 |
| Bridgewalk | 12 | $539,995 | 30 |
| Del Webb Sunbridge | 12 | $575,000 | 25 |
| Pine Glen | 7 | $410,000 | 82 |
| Live Oak Lake | 6 | $386,500 | 69 |
St. Cloud by ZIP code
Sales and medians by ZIP over the same 12 months: 34771 (67 sales, median $426,000), 34772 (36 sales, median $434,990).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 90% were single-family homes, 10% townhomes or villas. New construction accounted for 89% of closings, led by Buena Lago, The Waters at Center Lake Ranch, Trinity Place, The Meadow at Crossprairie.
Getting around from St. Cloud
Measured from the center of St. Cloud’s recent sales: Orlando International Airport (MCO) is about 14 miles; Downtown Orlando is about 22 miles; Melbourne is about 39 miles; Lakeland is about 46 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Osceola County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Osceola County’s typical millage of 15.23; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Osceola County average of $1,735/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
St. Cloud: the case for and against
What works in St. Cloud’s favor
- about 7.2 months of supply gives buyers room to negotiate
- 89% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,735/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- 100% of listings carry an HOA (median $110/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your St. Cloud relocation toolkit
- Homes for sale in St. Cloud right now
- Cost of living in St. Cloud
- Best neighborhoods in St. Cloud
- New construction in St. Cloud
- Find an agent in St. Cloud
- St. Cloud ZIP codes with prices
- Search every St. Cloud community
Common questions about moving to St. Cloud
How much does a house cost in St. Cloud, FL?
What does it cost per month to own a home in St. Cloud?
What are property taxes like in St. Cloud?
Is St. Cloud a buyer's or seller's market right now?
Is there a lot of new construction in St. Cloud?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in St. Cloud communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Osceola County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.