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Living in
St. Cloud.
About
Life in St. Cloud
St. Cloud has experienced rapid growth—nearly doubling in population since 2010—which means you're moving into an expanding area with both opportunity and growing pains. The median household income sits around $83,000 and median home values near $356,000, making it moderately affordable compared to much of Florida and definitely cheaper than Orlando proper, though you'll want to factor in that 37-minute average commute if you're working in the metro area.
St. Cloud at a Glance
Population, income, housing and more
Median Age
36.0 yrs
Poverty Rate
10.1%
Foreign-Born
15.7%
Broadband Internet
95.0%
of households
Population Growth
+26.9%
recent change · Census Bureau
Median household income
Demographics15.7% foreign-born, most often from Dominican Republic
Who lives in St. Cloud: race and ethnicity, ages, households, languages and countries of origin
In St. Cloud, the largest foreign-born group is from Dominican Republic (17.4%), and 40.9% of residents speak Spanish at home.
Under 18
26.5%
of residents
65 and Older
12.3%
of residents
Households with Kids
39.7%
anyone under 18
Living Alone
20.0%
of households
Married Couples
52.7%
of households
Avg Household Size
3.05
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent about average for FL
Rent, home values, and income in St. Cloud
Rent and home values here are close to the FL average.
Median rent (per month)
Median home value
Rent Burdened
59.0%
spending 30%+ of income on rent
Severely Rent Burdened
28.9%
spending 50%+
Cost of Living Index
101.4
metro area (BEA) · US avg = 100
Median Property Tax
$2,770
per year, owner-occupied homes
Homeowners
72.5%
of occupied homes are owned
Typical Home Built
2003
median year built
Vacant Homes
7.2%
of housing units
Jobs & Economyunemployment 0.4 pts above FL average
Unemployment in St. Cloud and typical pay across the metro area
Unemployment in St. Cloud is 0.4 percentage points higher than the FL average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What St. Cloud Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
Orlando-Kissimmee-Sanford, FL metro area
Commute35.9 min avg
How St. Cloud residents get to work, and the nearest airports
In St. Cloud, most residents drive alone to work (73%), and 34% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 12 mi
Orlando International Airport (MCO)
Major hub28.0M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 57% below national average
Crime rates for 2025
Violent crime in St. Cloud runs 57% below the national average.
Violent Crime Rate
141.4
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
663.8
per 100,000 residents
Below average (1,552 national, 2025)
St. Cloud Police Department
Natural DisastersHail most common — 2 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
92.0 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Osceola County, county-wide · FEMA NRI December 2025
In Osceola County, which includes St. Cloud, the most common type is hail, with 2 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 2 | Flash Flood | None reported |
| 2024 | 6 | Tropical Storm | $2.0M |
| 2023 | 7 | Hail | None reported |
| 2022 | 7 | Thunderstorm Wind | $245.0M |
| 2021 | 2 | Strong Wind | $2,500 |
| 2020 | 5 | Hail | None reported |
| 2019 | 4 | Thunderstorm Wind | $10,000 |
| 2018 | 1 | Thunderstorm Wind | None reported |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
1 earthquake of magnitude 2.5+ within 100 miles in the past year
Osceola County, county-wide
Air Quality40 median AQI — Good
Days by air quality category (2025)
Air quality in Osceola County, which includes St. Cloud, is typically good — 305 good-air days per year.
Median AQI
40
Good Days
305
per year
Moderate Days
59
per year
Unhealthy Days
0
per year
Osceola County, county-wide
Climate91°F summers, 50°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
St. Cloud has hot summers (avg high 91°F) and warm winters (avg low 50°F).
Spring (Mar–May)
83°/60°F
avg high / low
Summer (Jun–Aug)
91°/73°F
avg high / low
Fall (Sep–Nov)
84°/65°F
avg high / low
Winter (Dec–Feb)
73°/50°F
avg high / low
Annual Precipitation
52.6"
Annual Snowfall
0.0"
Hot Days/Year
109
days above 90°F
Freeze Days/Year
3
days below 32°F
Rainy Days/Year
119
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 72°F | 48°F | 2.67" |
| Feb | 74°F | 51°F | 2.37" |
| Mar | 78°F | 54°F | 3.07" |
| Apr | 83°F | 60°F | 2.43" |
| May | 87°F | 66°F | 4.17" |
| Jun | 90°F | 72°F | 9.18" |
| Jul | 92°F | 74°F | 7.21" |
| Aug | 91°F | 74°F | 8.38" |
| Sep | 90°F | 73°F | 5.88" |
| Oct | 85°F | 66°F | 3.07" |
| Nov | 79°F | 57°F | 1.99" |
| Dec | 74°F | 52°F | 2.15" |
Healthcare2 hospitals, avg 2.0/5
Hospitals, ratings, and health insurance in St. Cloud
St. Cloud has 2 hospitals, averaging 2.0 out of 5 on CMS's quality rating — below-average care.
Hospitals
2
within city limits
Uninsured
8.9%
of residents
Avg Hospital Rating
2.0 / 5
Orlando Health St Cloud Hospital
Acute Care Hospitals · ER available
Blackberry Center - Oglethorpe of Orlando
Psychiatric
Nearby hospitals · within 15 miles
Orlando VA Medical Center
Acute Care - Veterans Administration · ER available · 9.1 mi away · Orlando
HCA Florida Osceola Hospital
Acute Care Hospitals · ER available · 9.2 mi away · Kissimmee
Ucf Lake Nona Hospital
Acute Care Hospitals · ER available · 9.4 mi away · Orlando
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education18.3:1 student/teacher ratio
Schools and degree attainment in St. Cloud
St. Cloud's student/teacher ratio is 18.3:1 (higher than the national average of 16:1), and 31.6% of adults 25+ hold a bachelor's degree or higher.
Public Schools
14
within city limits
Private Schools
4
within city limits
College Degree Rate
31.6%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
18.3:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Parks & Recreationclosest: Canaveral National Seashore, 50 mi
Nearby national parks, recreation areas and public libraries for St. Cloud
St. Cloud has 2 nearby national parks or recreation areas, closest being Canaveral National Seashore (50 mi away).
Nearby National Parks & Recreation Areas
Canaveral National Seashore
National Seashore
50 mi awayDe Soto National Memorial
National Memorial
97 mi awayPublic Libraries in St. Cloud
Veterans Memorial Library-St. Cloud Branch
810 13th Street, St. Cloud
Cities Near St. Cloud
The closest cities within 60 miles
Planning a move to St. Cloud?
Read our full moving guide — what it's really like to live here.
St. Cloud FAQ
Is St. Cloud, Florida affordable?⌄
St. Cloud's median rent is $1,683/month, which is above the national average. The median household income is $83,174/year. Median home value is $356,200.
Is St. Cloud, Florida safe?⌄
St. Cloud's violent crime rate was 141 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 664 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in St. Cloud, Florida?⌄
St. Cloud has an unemployment rate of 4.3%, which is close to the national average of 4.3%.
What is the cost of living in St. Cloud, Florida?⌄
The cost of living in St. Cloud is primarily driven by housing. Median rent is $1,683/month and median household income is $83,174/year. The median home value is $356,200. About 59% of renters spend more than 30% of their income on housing.
How is the commute in St. Cloud, Florida?⌄
The average commute in St. Cloud is 36 minutes, which is longer than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from