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St. Cloud city, FL

ZIP 34769 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34769

Median Home Value
$271,800
Median Rent
$1,196
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,746/mo PITI).

24%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34769 in St. Cloud city, FL, a household would need roughly $75,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,746. That is about 28% above the local median household income ($58,764), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.5%+0% vs US avg
x
Vacancy Rate
11.5%+11% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
33.8%-12% vs US avg
x
$271,800
Home Value
$1,196
Rent
1986
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached58.9%
  • 1-unit attached13.4%
  • 2-9 units13.4%
  • 10+ units4.0%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$271,800
Median rent$1,196
Owner-occupied65.5%
Vacant11.5%
Price-to-income4.6x
Est. income to buy$75,000