The typical owner-occupied home in Saint Cloud is worth about $356,200, about the same as the Florida median of $359,000 and 7% above the national median of $332,700. Owners pay a median $2,770 a year in property taxes, about 0.78% of their home's value, close to the Florida rate of 0.76%. The median household earns $83,174 a year, so the median home costs 4.3 times the median income (4.8 times for Florida). 73% of occupied homes here are lived in by their owners, and 76% of those owners still have a mortgage.
Saint Cloud at a glance
| Saint Cloud | Florida | U.S. | |
|---|---|---|---|
| Median home value | $356,200 | $359,000 | $332,700 |
| Median property tax paid per year | $2,770 | $2,730 | $3,119 |
| Property tax as a share of value | 0.78% | 0.76% | 0.94% |
| Median household income | $83,174 | $74,568 | $80,734 |
| Homes lived in by their owners | 73% | 68% | 65% |
| Owner homes with a mortgage | 76% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,874 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 23.6% | 23.6% | 21.0% |
| Median rent | $1,683 | $1,669 | $1,413 |
| Rent as a share of renters' income | 34.5% | 35.2% | 30.6% |
| Median year homes were built | 2003 | 1988 | 1980 |
| Vacant homes | 7.2% | 14.7% | 10.1% |
| Population | 65,130 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Saint Cloud
At this week's average 30-year rate of 7.11%, buying the median Saint Cloud home of $356,200 with 20% down costs about $2,297 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,890, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $98,438 for the 20%-down payment. That payment is 33% of the median Saint Cloud household income of $83,174; at that income and 20% down, the 28% guideline points to a home of about $301,000.
The median rent here is $1,683 a month, so owning the median home costs about $614 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $71,240 |
|---|---|
| Loan amount | $284,960 |
| Principal and interest | $1,917 |
| Property taxes (0.78% a year) | $232 |
| Homeowners insurance (our estimate, 0.5% a year) | $148 |
| PMI | $0 |
| Total per month | $2,297 |
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| Down payment | $12,467 |
|---|---|
| Loan amount | $349,748 |
| Principal and interest | $2,353 |
| Property taxes (0.78% a year) | $232 |
| Homeowners insurance (our estimate, 0.5% a year) | $148 |
| FHA mortgage insurance | $158 |
| Total per month | $2,890 |
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Questions about home buying in Saint Cloud
What is the median home value in Saint Cloud?
About $356,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Cloud?
Homeowners pay a median $2,770 a year, which is about 0.78% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Cloud?
For the median home with 20% down at 7.11%, the payment is about $2,297 a month. Keeping that under 28% of gross income takes about $98,438 a year.
More about Saint Cloud
- Mortgage Refinance in Saint Cloud
- Debt Relief in Saint Cloud
- Home Equity Loans in Saint Cloud
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data