The median home in Saint Cloud, Florida is valued at $391,196, down 4.0% year over year. Typical monthly rent is $2,220, producing a price-to-rent ratio of 14.7x — below the national average of 18x. Saint Cloud is part of the Orlando-Kissimmee-Sanford, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Orlando-Kissimmee-Sanford, FL stress score, crash risk, and 12-month forecast →

Home Value$391,196

-4.0%

Rent$2,220/mo

AFFORDABILITY

Enter your income for Saint Cloud.

Income (annual)

Down Payment

$78,239 on $391,196

Out of reach — 41.7% of income

Need $111,771/yr to afford.

PITI$2,608

P/I41.7%

Afford$262K

Gap-$129K

P&I $1,978Tax $280Ins $350

Renting $388/mo cheaper ($2,220 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Saint Cloud with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Orlando-Kissimmee-Sanford, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Orlando-Kissimmee-Sanford, FL metro.

View Orlando-Kissimmee-Sanford, FL metro →

SAINT CLOUD, FL