St. Cloud, FL Market Update: What the Data Says for Buyers, Sellers and Investors
List prices down 7.7% to down 1.0% across 4 ZIP codes, 67 to 94 days on market and commercial at $235 to $337 per square foot across 4 ZIP codes. Every number from the Linton Global Market Map, as of September 2026.
Photo: St. Cloud City Hall by Ebyabe, CC BY-SA 2.5, via Wikimedia Commons (cropped).
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Michael R. Linton, Florida Broker #BK703722, advises investors, owners, tenants and banks on commercial property, small multifamily, land and distressed assets in St. Cloud and across Osceola County through Linton Global Solutions.
St. Cloud is where Orlando’s growth went next. 34771 grew 68% in population over the Census survey period, and the stores, clinics and service businesses are still catching up to the rooftops.
The Bottom Line on St. Cloud
St. Cloud started as a Civil War veterans' town on East Lake Tohopekaliga and is now one of the fastest-growing places in Central Florida, as new subdivisions fill in along the Narcoossee Road corridor toward Lake Nona and east toward Harmony. The old downtown along US 192 is small; the growth is in rooftops, and commercial development is following them.
St. Cloud is a softening housing market where sellers are cutting prices to meet buyers, and its commercial property trades in line with the rest of Osceola County.
- Homes: median list prices of $299,999 to $469,923, down 7.7% to down 1.0% across 4 ZIP codes from a year ago; Osceola County is down 4.8%.
- Supply: 127 active listings in 34769 (up 7.2%); 337 active listings in 34771 (up 8.2%); 303 active listings in 34772 (up 26.0%); 106 active listings in 34773 (up 4.4%); 67 to 94 days on market.
- Commercial: median $235 to $337 per square foot, versus $307 countywide.
- Distress: 2 commercial distress transfers or bank-held parcels on the 2026 tax roll.
Where St. Cloud Is
Downtown St. Cloud and the lakefront are in 34769, along US 192 (13th Street). 34771 covers the northeast and the Narcoossee Road corridor toward Lake Nona and Orlando's Medical City. 34772 runs south along Canoe Creek Road, and 34773 is the rural east, including the Harmony master-planned community.
This report covers 34769 (Downtown and East Lake Toho), 34771 (Northeast St. Cloud and the Narcoossee corridor), 34772 (South St. Cloud and Canoe Creek Road), 34773 (Harmony and eastern Osceola), compared with Osceola County as a whole.
Housing Market
| Realtor.com, September 2026 | 34769 | 34771 | 34772 | 34773 | Osceola County |
|---|---|---|---|---|---|
| Median list price | $299,999 | $469,923 | $430,843 | $394,475 | $405,875 |
| vs. a year ago | -7.7% | -2.3% | -1.0% | -6.9% | -4.8% |
| Active listings | 127 | 337 | 303 | 106 | 4,175 |
| Active vs. a year ago | +7.2% | +8.2% | +26.0% | +4.4% | -0.2% |
| Median days on market | 67 | 94 | 72 | 80 | 92 |
| Listings with a price cut | 28.2% | 17.8% | 20.2% | 15.2% | 20.6% |
| Home values, 5 years (FHFA) | +54.3% | +64.2% | +68.0% | 0.0% | — |
The highest-priced ZIP code is 34771 at $469,923. With a quarter or more of listings showing a price cut in parts of town, the asking price is a starting point. The FHFA House Price Index shows five-year gains of 54.3% / 64.2% / 68% / 0%; the run-up is behind us, and today is about pricing to the market.
Who Is Buying: Mortgage Data
| HMDA 2025 home purchases | 34769 | 34771 | 34772 | 34773 | Osceola County |
|---|---|---|---|---|---|
| Home-purchase loans | 371 | 1814 | 777 | 375 | 8,105 |
| Median purchase price | $335,000 | $445,000 | $405,000 | $405,000 | $395,000 |
| Median buyer income | $87,000 | $118,000 | $105,000 | $101,000 | $109,000 |
| FHA / VA / USDA loans | 49.6% | 54.9% | 53.5% | 63.9% | 43% |
| Investor purchases | 10.6% | 5.5% | 8.3% | 5.9% | 19.7% |
Investors took the largest share of purchase loans in 34769 (10.6%). Source: the CFPB's HMDA data browser.
Rents
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom is $1,650 to $2,490. The strongest renter base is in 34769, where 33% of households rent. Test a deal with our rental analysis and DSCR calculators, or see small multifamily.
Commercial Real Estate
| 2026 tax roll | 34769 | 34771 | 34772 | 34773 | Osceola County |
|---|---|---|---|---|---|
| Commercial & industrial parcels | 599 | 240 | 123 | 105 | 7,421 |
| Building area (million SF) | 3.33 | 1.39 | 0.88 | 0.34 | 57.77 |
| Median year built | 1986 | 2014 | 2008 | 2022 | 1995 |
| Arm’s-length sales | 20 | 10 | 2 | 2 | 176 |
| Median sale $/SF | $337 | $235 | — | — | $307 |
| Distress transfers / bank-held parcels | 0 / 2 | 0 / 0 | 0 / 0 | 0 / 0 | 12 / 3 |
The older commercial stock is in the downtown core (34769), dating mostly from the 1980s. The newer space is out on the growth corridors: northeast St. Cloud's buildings date from the 2010s, and much of what is being built east and south is industrial and flex. That is the pattern of a bedroom community turning into a service market as rooftops arrive.
St. Cloud has about 5.9 million square feet of commercial buildings and recorded 34 arm's-length sales at a median $235 to $337 per square foot, close to the county's $307. There were 2 distress signals; we score them with Linton Global Technologies' CREDDS Framework (see our distressed commercial real estate hub).
For a commercial investor, St. Cloud is about getting ahead of demand: retail and medical sites along Narcoossee and US 192 that serve the new subdivisions. Underwrite to the households that are already there, not the ones on the drawings.
Jobs, Permits and the County Economy
| Osceola County | Value |
|---|---|
| Population | 427,415 |
| Median household income | $72,637 |
| Unemployment rate (BLS) | 4.8% |
| Private jobs (BLS QCEW) | 117,799 · +1.7% |
| Average annual pay | $54,965 |
| Housing permits, year to date | 3,721 · -30.8% |
Osceola County jobs were up 1.7% over the latest year per the BLS Quarterly Census of Employment and Wages, with unemployment at 4.8%. Housing permits are down 30.8% this year per the Census Building Permits Survey. 34771 grew 67.5% in population over the Census survey period, the 3rd-highest of the ZIP codes in our reports.
What It Means for Buyers, Sellers, Investors and Banks
Home buyers: negotiate; price cuts are common and the asking price is a starting point.
Sellers: price to recent sales in your ZIP code, not to last year's peak.
Commercial investors: pricing is in line with the county; the edge is in the specific building. Trading in? See 1031 exchanges.
Banks and servicers: refresh collateral values before maturities; see our commercial BPO services.
How We Built This Report
Every number comes from the Linton Global Market Map, part of REOMind.ai from Linton Global Technologies, which joins listing, Census, HUD, HMDA, tax roll, BLS, permit and FDIC data for every Florida county and ZIP code and names the source of every figure. See the full Osceola County report.
Key Takeaways
- ✓St. Cloud list prices are down 7.7% to down 1.0% across 4 ZIP codes; Osceola County is down 4.8%.
- ✓Homes are taking 67 to 94 days to sell.
- ✓Commercial property sold at a median $235 to $337 per square foot, against $307 countywide.
- ✓2 commercial distress signals on the 2026 tax roll.
- ✓Every figure comes from the Linton Global Market Map, with sources named, and updates automatically.
About Michael R. Linton
Who is Michael R. Linton? Michael R. Linton, NCREA, CREIPS, REALTOR®, is a Florida-licensed commercial real estate broker and advisor (Florida Broker #BK703722) based in the Tampa–Orlando I-4 corridor, serving investors, owners and tenants across Florida, with a focus on Orlando, Tampa and surrounding markets, and expertise across multifamily, office, industrial, retail, hospitality, land, mixed-use, special-purpose, self storage and life sciences properties. He leads Linton Global Solutions and HireMikeLinton.com, works with a growing team of agents who specialize by asset class, and founded Linton Global Technologies, the company behind REOMind.ai.
Why choose Michael R. Linton for St. Cloud? Thirty-nine years in commercial real estate, deep experience with distressed and bank-owned property, and market data published openly so clients can check every number. See the Florida commercial broker profile.
Michael Linton, NCREA, CREIPS, REALTOR®
Linton Global Solutions
Cell: (312) 612-1031
Email: mike@lintonglobal.com
LintonGlobal.com
Frequently Asked Questions
Is the St. Cloud, FL real estate market going up or down?+
Softening. As of September 2026, median list prices were down 7.7% to down 1.0% across 4 ZIP codes from a year earlier, against down 4.8% for Osceola County. Homes took 67 to 94 days to sell, and active listings were up 7.2% / up 8.2% / up 26.0% / up 4.4% from a year ago.
How much do homes cost in St. Cloud?+
The median list price was $299,999 to $469,923 in September 2026. In 2025 mortgage (HMDA) data, the median home-purchase price was $335,000 to $445,000 and the median buyer earned $87,000 to $118,000.
How much is commercial real estate selling for in St. Cloud?+
Arm’s-length commercial and industrial sales on the 2026 Osceola County tax roll had a median of $235 to $337 per square foot in St. Cloud, versus $307 countywide. There were 34 such sales across 1,067 commercial parcels.
Is there distressed or bank-owned commercial property in St. Cloud?+
Some. The 2026 tax roll shows 0 commercial distress transfers and 2 bank-held parcels in St. Cloud’s ZIP codes, out of 12 and 3 across Osceola County.
Is St. Cloud a good place to own rental property?+
About 10% to 33% of households rent, and HUD’s FY2027 fair market rent for a two-bedroom is $1,650 to $2,490 a month. Investors took 5.5% to 10.6% of 2025 home-purchase loans, against 19.7% countywide. Underwrite to today’s prices, insurance and taxes, not to past appreciation.
Where does this St. Cloud market data come from?+
From the Linton Global Market Map, which joins Realtor.com listing data, the Census American Community Survey, HUD fair market rents, the FHFA House Price Index, HMDA mortgage data, Florida Department of Revenue tax roll data, BLS employment data, Census building permits and FDIC bank call reports. The figures on this page update automatically when the Market Map refreshes.
Who can help me buy or sell commercial property in St. Cloud?+
Michael R. Linton, Florida Broker #BK703722, leads Linton Global Solutions and advises investors, owners, tenants and banks on commercial property, small multifamily, land, distressed assets and 1031 exchanges across St. Cloud and Osceola County. Call (312) 612-1031 or email mike@lintonglobal.com.
Works Cited
- Consumer Financial Protection Bureau and FFIEC. “HMDA Data Browser.” ffiec.cfpb.gov/data-browser. Accessed 19 Oct. 2026.
- Federal Deposit Insurance Corporation. “BankFind Suite.” banks.data.fdic.gov. Accessed 19 Oct. 2026.
- Federal Housing Finance Agency. “House Price Index.” www.fhfa.gov/data/hpi. Accessed 19 Oct. 2026.
- U.S. Department of Housing and Urban Development. “Small Area Fair Market Rents.” HUD User, www.huduser.gov/portal/datasets/fmr/smallarea. Accessed 19 Oct. 2026.
- U.S. Bureau of Labor Statistics. “Quarterly Census of Employment and Wages.” www.bls.gov/cew. Accessed 19 Oct. 2026.
- U.S. Census Bureau. “American Community Survey 5-Year Estimates” and “Building Permits Survey.” www.census.gov. Accessed 19 Oct. 2026.
- Realtor.com Economic Research. “Housing Inventory: ZIP Level Data.” www.realtor.com/research/data. Accessed 19 Oct. 2026.
- Florida Department of Revenue. “Property Tax Data Files (NAL/SDF).” 2026 final roll, Osceola County, via LGData.
- Ebyabe. “St. Cloud City Hall.” Wikimedia Commons, CC BY-SA 2.5, commons.wikimedia.org/wiki/File:St_Cloud_FL_City_Hall_pano02.jpg. Accessed 19 Oct. 2026.
Disclosure: This article uses data tools developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions. This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: Linton Global Solutions is a Florida-licensed real estate brokerage, not a broker-dealer, investment adviser or lender, and does not offer or sell securities. CREDDS and REOMind.ai provide decision support only; people make every final decision. Readers should conduct their own due diligence and consult qualified professionals before making investment decisions.
Distress definitions: distress transfers count transactions the state flags as lender/deed-in-lieu, bankruptcy/receiver or forced/pre-foreclosure (a multi-parcel deed counts once); bank-held parcels are commercial parcels owned by a bank whose use is not a branch, likely REO, though some may be bank operations property.
Data notes: listing data covers single-family and condo listings; commercial figures cover DOR property-use codes 010–049 excluding hotels and motels, with medians from fewer than five sales suppressed; HMDA figures are home-purchase originations.