The Town FilesSt. Cloud, Florida
City in Osceola County · population 58,964 (2020 Census)
- Median home
- $356,200
- Household income
- $83,174
- Jan low / Jul high
- 48° / 92°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 25
- Median age
- 36.0
St. Cloud is a city of 58,964 people in Osceola County, Florida. The median home is worth $356,200, above the typical Florida town ($331,600). It ranks more of a college town than 85% of Florida towns, better for families than 78% of Florida towns, better for cycling than 77% of Florida towns.
How St. Cloud ranks
Percentile among Florida towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Florida towns.
Homes and cost of living
The median home in St. Cloud is worth $356,200, above the typical Florida town ($331,600). Homes cost about 4.3 times the median household income of $83,174, which is more affordable than 58% of Florida towns. Median rent is $1,683 a month. 72.5% of households own their home.
| Housing | St. Cloud | Typical Florida town |
|---|---|---|
| Median home value | $356,200 | $331,600 |
| Median rent | $1,683 | $1,569 |
| Median household income | $83,174 | $71,140 |
| Home value ÷ income | 4.3× | 4.5× |
| Homeownership | 72.5% | 73.5% |
| Median year built | 2003 | 1985 |
| Seasonal / vacation homes | 1.5% | — |
Who lives in St. Cloud
| People | St. Cloud | Typical Florida town |
|---|---|---|
| Median age | 36.0 | 42.8 |
| Age 65 and over | 12.3% | 20.2% |
| Under 18 | 26.5% | — |
| Bachelor's degree or higher | 31.6% | 28.8% |
| Below the poverty line | 10.1% | 11.3% |
| Veterans | 8.0% | — |
| Born outside the U.S. | 15.7% | — |
| Work from home | 13.4% | 13.5% |
| Average commute | 35.9 min | 27.5 min |
| Homes with broadband | 95.0% | 92.4% |
Weather in St. Cloud
July highs average 91.5°F and January lows 48.3°F. About 52.6 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical Florida town: 0.0 in). Expect about 109 days a year at 90°F or hotter and 3 nights at or below freezing.
Tornadoes, storms and disasters
25 tornadoes have passed within 10 miles of St. Cloud since 1950, compared with 35 for the typical Florida town. 5 rated (E)F2 or stronger. The strongest, an F4, struck on April 4, 1966 about 3.1 miles from the town center. Tornadoes within 10 miles have caused 25 deaths and 164 injuries since 1950. The most recent was on August 4, 2025.
Hail of 1 inch or larger has been reported within 10 miles 41 times; the largest was 2.00 inches on May 6, 1999.
Severe weather in Osceola County since 1996
Osceola County has been included in 39 federal disaster or emergency declarations since 1953, most often for fire, freezing, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| October 11, 2024 | Hurricane | DR-4834: Hurricane Milton |
| October 7, 2024 | Hurricane | EM-3622: Hurricane Milton |
| August 10, 2024 | Tropical Storm | DR-4806: Hurricane Debby |
| August 3, 2024 | Tropical Storm | EM-3605: Tropical Storm Debby |
| August 31, 2023 | Hurricane | DR-4734: Hurricane Idalia |
Jobs and pay in Osceola County
Osceola County had 115,837 jobs in 2024, paying an average of $52,525 a year. Unemployment was 3.4% in 2023; in St. Cloud itself the ACS puts it at 5.9%.
Public schools in St. Cloud
14 public schools with 12,111 students, about 18.9 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| ST. CLOUD HIGH SCHOOL | 9-12 | 2,369 | 22.8 |
| ST. CLOUD MIDDLE SCHOOL | 6-8 | 1,200 | 18.5 |
| CANOE CREEK K-8 | PK-8 | 1,197 | 16.9 |
| HARMONY MIDDLE SCHOOL | 6-8 | 1,077 | 18.9 |
| HICKORY TREE ELEMENTARY SCHOOL | PK-5 | 984 | 16.7 |
| NEPTUNE ELEMENTARY SCHOOL | PK-5 | 978 | 18.8 |
| MICHIGAN AVENUE ELEMENTARY SCHOOL | PK-5 | 904 | 17.1 |
| LAKEVIEW ELEMENTARY SCHOOL | PK-5 | 773 | 15.8 |
| ST. CLOUD ELEMENTARY SCHOOL | PK-5 | 763 | 15.9 |
| BRIDGEPREP ACADEMY OF ST.CLOUD (charter) | K-8 | 669 | 25.7 |
| MATER ACADEMY AT ST CLOUD (charter) | K-8 | 607 | 40.5 |
| CREATIVE INSPIRATION JOURNEY SCHOOL OF ST CLOUD (charter) | PK-8 | 590 | 15.5 |
Towns near St. Cloud
- Buenaventura Lakes, FL8.2 mi · 30,251 people · home $327,500
- Kissimmee, FL9.6 mi · 79,226 people · home $304,400
- Meadow Woods, FL10.2 mi · 43,790 people · home $401,000
- Campbell, FL10.5 mi · 2,610 people · home $77,200
- Southchase, FL12.1 mi · 16,276 people · home $388,800
- Hunters Creek, FL12.9 mi · 24,433 people · home $450,100
- Poinciana, FL14.5 mi · 69,309 people · home $290,700
- Williamsburg, FL15.4 mi · 7,908 people · home $327,700
St. Cloud questions
Is St. Cloud, Florida a good place to retire?
On The Town Files lifestyle rankings, St. Cloud scores better for retirees than 17% of Florida towns and quieter than 19%. 12.3% of residents are 65 or older (median age 36.0).
How much does a house cost in St. Cloud?
The median owner-occupied home in St. Cloud is valued at $356,200 (Census ACS 2020–2024), against a median household income of $83,174, so homes cost about 4.3 times income. Median rent is $1,683 a month.
What is the weather like in St. Cloud?
July highs average 91.5°F and January lows 48.3°F (NOAA 1991–2020 normals). It gets about 52.6 inches of precipitation a year and 0.0 inches of snow.
Does St. Cloud get tornadoes?
25 tornadoes have passed within 10 miles of St. Cloud since 1950 (NOAA Storm Events); the strongest was a F4 on April 4, 1966. The typical Florida town has had 35.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)