New Build
7
$348,860
322 Chesapeake Dr
St. Cloud, FL 34771
3 bd2 ba1,730 sqft$202/ft²
Townhouse
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Compass Real Estate · St. Cloud, FL
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St. Cloud, FL Housing Market
Leaning buyer's-9.5% YoY
Redfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The last median sale price Redfin published was $379,000, -9.5% year over year (through May 2026). With 4.7 months of supply and homes going under contract in about 72 days, St. Cloud is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $379,000 home is about $2,023/mo in principal and interest.
Key numbers for St. Cloud, FL
Median sale price
$379,000
-9.5% year over year
Redfin, through May 2026
Days on market
72
Slow-moving
Redfin, through May 2026
Active listings
504
4.7 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$76,196
Home costs 5.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.2%
Selling below asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is St. Cloud a buyer's or seller's market?
Leaning buyer's4.7 months of supply72 days on market98.2% of asking
St. Cloud, FL is a leaning buyer's, based on 4.7 months of supply and homes selling in about 72 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the St. Cloud housing market data show?
Every row below is Redfin's final published month for St. Cloud, FL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $379,000 |
| Median list price | $390,945 |
| Year-over-year price change | -9.5% |
| Median price per sq ft | $197/sq ft |
| Median days on market | 72 days |
| Active inventory | 504 listings |
| Months of supply | 4.7 months |
| Sale-to-list price ratio | 98.2% |
| Homes sold (that month) | 107 |
| New listings (that month) | 164 |
| Listings with a price cut | 31.6% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for St. Cloud is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in St. Cloud is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have St. Cloud home prices moved?
Over the last three years the median sale price in St. Cloud, FL fell 4.1%, from $395,000 to $379,000. 31.6% of St. Cloud listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 4.7 months while the sale-to-list ratio slips below its current 98.2%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in St. Cloud?
Priced off the median sale price of $379,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $75,800 | $303,200 | $2,023/mo |
| 5% | $18,950 | $360,050 | $2,403/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,023, that implies roughly $86,713 a year before you add taxes and insurance. The median household in St. Cloud earns $76,196, about $10,517 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 5.0x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in St. Cloud in the next 12 months?
Tell us your timeline. We send the St. Cloud market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in St. Cloud?
Zillow does not publish a rent index (ZORI) for St. Cloud, FL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in St. Cloud?
Active listings in St. Cloud, FL went from 531 in May 2025 to 504 in May 2026, a -5.1% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 527 | 157 |
| July 2025 | 570 | 205 |
| August 2025 | 524 | 141 |
| September 2025 | 495 | 143 |
| October 2025 | 528 | 177 |
| November 2025 | 531 | 124 |
| December 2025 | 515 | 103 |
| January 2026 | 534 | 148 |
| February 2026 | 547 | 140 |
| March 2026 | 545 | 162 |
| April 2026 | 529 | 161 |
| May 2026 | 504 | 164 |
Redfin, through May 2026
How does St. Cloud compare to Florida and the U.S.?
St. Cloud homes sell for $379,000 — 10% below the Florida median of $421,500. Against the national median of $410,700, St. Cloud runs 8% lower. Year-over-year, St. Cloud moved -9.5% against Florida's +2.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| St. Cloud, FL | $379,000 | -9.5% | 72 days |
| Florida statewide | $421,500 | +2.6% | 66 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in St. Cloud
What buyers should watch
- Months of supply, currently 4.7. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 31.6%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $379 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $379,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median St. Cloud listing goes under contract in 72 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.2% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month St. Cloud added 164 new listings against 107 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside St. Cloud varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in St. Cloud
There are currently 504 homes listed for sale in St. Cloud, Florida. The median listing price is $391K. Featured listings range from $348,860 to $850,000.
New BuildPrice Drop −$10K
9
$367,900
4023 Kindling Wood Way
St. Cloud, FL 34772
4 bd2 ba2,066 sqft$178/ft²
House
View photos & details
New Listing
47
$389,000
2196 Bur Oak Blvd
St. Cloud, FL 34771
3 bd2 ba2,144 sqft$181/ft²
House8,276 sqft lot
CORCORAN CONNECT LLC
View photos & details
New BuildPrice Drop −$6K
40
$389,999
5205 Luisa Ct
St. Cloud, FL 34771
4 bd4 ba2,010 sqft$194/ft²
House
View photos & details
New Build
9
$399,900
5521 Buckeye Bend Dr
St. Cloud, FL 34772
3 bd2 ba2,005 sqft$199/ft²
House
View photos & details
New BuildPrice Drop −$18K
5
$401,400
4024 Waving Hickory Blvd
St. Cloud, FL 34772
5 bd4 ba2,335 sqft$172/ft²
House
View photos & details
New BuildPrice Drop −$15K
4
$415,860
42 Sunset Haven Loop
St. Cloud, FL 34771
4 bd2 ba2,336 sqft$178/ft²
Townhouse
View photos & details
New BuildPrice Drop −$8K
3
$424,990
5245 Masser Rd
St. Cloud, FL 34772
4 bd3 ba2,432 sqft$175/ft²
House
View photos & details
New BuildPrice Drop −$5K
12
$424,990
4513 Sidesaddle Trl
St. Cloud, FL 34772
4 bd3 ba1,988 sqft$214/ft²
House
View photos & details
New Build
8
$492,115
4499 Eagle Perch Ct
St. Cloud, FL 34772
5 bd4 ba2,828 sqft$174/ft²
House
View photos & details
New Listing
34
$539,900
3174 Burberry Pl
St. Cloud, FL 34772
4 bd3 ba2,820 sqft$191/ft²
House16,117 sqft lot
KELLER WILLIAMS HERITAGE REALTY
View photos & details
New Listing
49
$850,000
3524 Hickory Tree Rd
St. Cloud, FL 34772
Land4.78 acres
CHARLES RUTENBERG REALTY ORLANDO
View photos & details
Looking to buy in St. Cloud?
Get connected with a local real estate expert — free, no obligation.
Active listings
504
Homes on market
Median list price
$391K
Avg. days on market
72
Days until sale
New this week
164
Newly listed
Price drops:31.6%of listings
Sale-to-list:98.2%
How much do homes cost in St. Cloud by property type?
How the St. Cloud, FL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $414,000 | $198/sq ft | 85 | 83 days |
| Condo / co-op | $105,000 | $134/sq ft | 1 | 153 days |
| Townhouse | $326,000 | $192/sq ft | 21 | 54 days |
Who lives in St. Cloud?
American Community Survey estimates for St. Cloud. U.S. Census ACS, 2023
Population
61,963
Households
19,588
Median income
$76,196/yr
Median age
36.6 years
Owner-occupied
71.9%
Median home value
$324,100
Median gross rent
$1,528/mo
Mean commute
37 min
71.9% of occupied homes in St. Cloud are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which public schools serve St. Cloud?
3 schools tracked · 2,274 students
The largest public schools serving St. Cloud, FL by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
CANOE CREEK K-8
Grades PK-8 · 1,197 students
HARMONY MIDDLE SCHOOL
Grades 6-8 · 1,077 students
OSCEOLA TECHNICAL COLLEGE ST CLOUD CAMPUS
Grades 11-12
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near St. Cloud, FL?
Ordered by distance from St. Cloud, not by size. Compare St. Cloud side by side with any of them.
Which ZIP codes are in St. Cloud?
These are the ZIP codes we see on active St. Cloud listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
St. Cloud housing market FAQ
Is St. Cloud a buyer's or seller's market?
St. Cloud, FL is currently a leaning buyer's. That read comes from 4.7 months of supply, homes going under contract in about 72 days, and sellers getting 98.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in St. Cloud?
The median sale price in the last month Redfin published was $379,000, about $197 per square foot.
Is St. Cloud cheaper than the rest of Florida?
St. Cloud's median sale price of $379,000 is 10% lower than the Florida statewide median of $421,500, and 8% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in St. Cloud?
Homes in St. Cloud, FL spent a median of 72 days on market before going under contract, versus 66 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in St. Cloud?
At the current 30-year fixed rate of 7.03%, 20% down on a $379,000 home is about $2,023 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $86,713 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $76,196.
Are home prices rising in St. Cloud?
Redfin's last published year-over-year change for St. Cloud, FL was -9.5%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in St. Cloud?
St. Cloud ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in St. Cloud?
That depends on your timeline, not on a headline. What the data says today: St. Cloud, FL is a leaning buyer's with 4.7 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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