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St. Cloud city, FL

ZIP 34772 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34772

Median Home Value
$352,400
Median Rent
$1,443
Affordability Snapshot
$97,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,264/mo PITI).

20%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

20.4 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 34772 in St. Cloud city, FL, a household would need roughly $97,000 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 $2,264. That is roughly in line with the local median household income ($86,900). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
5.3%-24% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
24.4%-36% vs US avg
x
$352,400
Home Value
$1,443
Rent
2006
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached82.1%
  • 1-unit attached6.8%
  • 2-9 units2.9%
  • 10+ units0.5%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$352,400
Median rent$1,443
Owner-occupied83.5%
Vacant6.1%
Price-to-income4.1x
Est. income to buy$97,000