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

St. Cloud$83,174
Florida avg$74,568
US$80,734

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 Latino52.0%
White36.3%
Black4.8%
Two or more races3.6%
Other1.8%
Asian1.5%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

Dominican Republic17.4%
Venezuela17.3%
Colombia9.7%
Jamaica6.2%
Cuba4.0%
Brazil3.9%
Mexico3.6%
Honduras2.8%
Panama2.8%
Peru2.5%

Languages Spoken at Home

English only55.6%
Spanish40.9%
French/Haitian0.8%
Other Indo-European0.7%
Vietnamese0.4%
German/Germanic0.4%
Other0.4%
Other Asian/Pacific0.3%

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)

St. Cloud$1,683
Florida avg$1,669
US$1,413

Median home value

St. Cloud$356,200
Florida avg$359,000
US$332,700

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

St. Cloud4.3%
Florida avg3.9%
US4.3%

City-level rate · BLS annual average

Unemployment Rate — 10 Year Trend

4.7%
4.1%
3.5%
3.3%
10.8%
5.5%
3.3%
3.3%
3.7%
4.3%
2016201720182019202020212022202320242025

City-level (BLS) · Annual averages

What St. Cloud Residents Do for Work · share of employed residents by industry

Education & health care20.3%
Arts, hospitality & food service14.1%
Retail12.8%
Professional & business services10.4%
Transportation & utilities9.3%
Construction8.1%
Manufacturing5.8%
Finance & real estate5.6%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$104,090
Healthcare$77,230
Business & Finance$73,450
Education$52,050
Repair & Maintenance$47,930
Construction$47,430
Office & Admin$39,680
Transportation$36,790

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

Drive alone73.3%
Carpool11.3%
Public transit0.1%
Walk0.7%
Work from home13.4%
Other1.2%

Commute Time Distribution

Under 15 min16.4%
15–29 min17.6%
30–44 min32.4%
45–59 min20.4%
60+ min13.2%

Nearest airports · with airline service

  • Orlando International Airport (MCO)

    Major hub28.0M passengers boarded in 2025

    12 mi

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).

Lightning · Very HighStrong wind · Very HighHurricane · HighTornado · HighInland flooding · Moderate

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:

HailThunderstorm WindTropical StormFlash FloodFunnel Cloud

Storm events by year

YearEventsTop TypeProperty Damage
20252Flash FloodNone reported
20246Tropical Storm$2.0M
20237HailNone reported
20227Thunderstorm Wind$245.0M
20212Strong Wind$2,500
20205HailNone reported
20194Thunderstorm Wind$10,000
20181Thunderstorm WindNone 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

High °FLow °FPrecip (in)
40°50°60°70°80°90°100°9.5"Jan: 2.67" precipitationFeb: 2.37" precipitationMar: 3.07" precipitationApr: 2.43" precipitationMay: 4.17" precipitationJun: 9.18" precipitationJul: 7.21" precipitationAug: 8.38" precipitationSep: 5.88" precipitationOct: 3.07" precipitationNov: 1.99" precipitationDec: 2.15" precipitation48°JJan: high 72°F, low 48°FFFeb: high 74°F, low 51°FMMar: high 78°F, low 54°FAApr: high 83°F, low 60°FMMay: high 87°F, low 66°FJJun: high 90°F, low 72°F92°JJul: high 92°F, low 74°FAAug: high 91°F, low 74°FSSep: high 90°F, low 73°FOOct: high 85°F, low 66°FNNov: high 79°F, low 57°FDDec: high 74°F, low 52°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan72°F48°F2.67"
Feb74°F51°F2.37"
Mar78°F54°F3.07"
Apr83°F60°F2.43"
May87°F66°F4.17"
Jun90°F72°F9.18"
Jul92°F74°F7.21"
Aug91°F74°F8.38"
Sep90°F73°F5.88"
Oct85°F66°F3.07"
Nov79°F57°F1.99"
Dec74°F52°F2.15"

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

Not rated

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

Obesity38.3%US 36.8%
Diabetes12.4%US 12.6%
High blood pressure34.3%US 37.1%
Current smoking11.7%US 15.0%
No leisure-time physical activity26.1%US 26.6%
Depression18.2%US 23.0%
Asthma9.2%US 10.7%
Routine checkup in past year76.0%US 78.2%

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 away

De Soto National Memorial

National Memorial

97 mi away

Public Libraries in St. Cloud

Veterans Memorial Library-St. Cloud Branch

810 13th Street, St. Cloud

Branch~69 hrs/week

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.

Moving to St. Cloud →

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