AreaProfile

St. Cloud, Florida

Area Profile

65,130 residents. Jobs, income, climate, physical risk, development and airport access for St. Cloud, in Osceola County.

62
Area Score
Bottom 46% of 1,482 published profiles

How we calculate this

How this area ranks
OpportunityTop 43% of 1,567 published cities59
GrowthTop 13% of 1,503 published cities72
Housing affordability1050th of 1,876 published cities71
ClimateTop 22% of 1,876 published cities80
Physical resilience1584th of 1,849 published cities19
AccessTop 28% of 1,876 published cities97
Economic stability962nd of 1,876 published cities60
The quick read

Residential permitting has slowed: 1,115 units authorized over the past twelve months, 37% below the prior year.

Physical-risk exposure is above the national median, driven mainly by inland flooding, strong wind and hurricane.

A major airport is 14 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
65,130
2024 ACS 5-Year
Median household income
$83,174
Top 31% nationally
Density
2,233/sq mi
29.2 sq mi of land
Median age
36.0
2024 ACS 5-Year
County
Osceola County
Florida
Metro area
Orlando-Kissimmee-Sanford, FL
Nearest major airport
MCO
14 mi · Orlando Intl
Median home value
$356,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.1% is lower than 24% of the 1,567 measured US cities.

Employment grew 0.4% over the past year, to 32,402 employed residents.

32% of adults hold a four-year degree, higher than 72% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$5,897$83,174Top 31%2024 ACS 5-Year
Per capita income ±$1,919$31,724Bottom 43%2024 ACS 5-Year
Poverty rate10.1%Bottom 46%2024 ACS 5-Year
Average commute38.0 minTop 10%2024 ACS 5-Year
Bachelor's degree or higher31.6%Top 28%2024 ACS 5-Year
Employment32,402Top 38%June 2026
Employment change (3 years)1.8%Top 27%June 2026
Employment change (year over year)0.4%Top 18%June 2026
Labor force34,152Top 37%June 2026
Labor force participation65.3%Top 33%2024 ACS 5-Year
Mean annual wage$61,890Bottom 21%2025 OEWS
Median annual wage$46,630Bottom 12%2025 OEWS
Unemployment change (year over year)0.8%Top 15%June 2026
Unemployment rate5.1%Top 24%June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032026/012026/066.32.6
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 5.1% in June 2026.
Median household income, successive ACS releases
202120222023202483k65k
Each point is a separate five-year estimate, most recently $83,174 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Orlando-Kissimmee-Sanford, FL
OccupationPeople employedMedian annual wage
Retail Salespersons49,970$32,290
Waiters and Waitresses36,820$35,410
Customer Service Representatives35,690$40,530
Fast Food and Counter Workers34,830$28,620
Registered Nurses30,150$83,550
Cashiers29,340$31,330

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

Housing & affordability

How it’s calculated →

Median rent of $1,683 takes 24% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.3 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
24.3%
Below the 30% cost-burdened threshold
Home price to income
4.3×
median home value ÷ median income
Median gross rent
$1,683
2024 ACS 5-Year
Median home value
$356,200
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income4.28Top 23%2024 ACS 5-Year
Homeownership rate72.5%Bottom 43%2024 ACS 5-Year
Housing units ±86822,807Top 2%2024 ACS 5-Year
Median gross rent ±$122$1,683Top 16%2024 ACS 5-Year
Median home value ±$8,932$356,200Top 22%2024 ACS 5-Year
Rent as a share of income24.3%Top 20%2024 ACS 5-Year
Vacancy rate7.2%Bottom 39%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
72/ 100
Top 13% of 1,503 published city profiles
Permitting is decreasing, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 19% since 2020, reaching 71,036 in 2024.

Permitting has turned downward after moving the other way the year before.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 17.1 permitted units per 1,000 residents, building activity is above the median for measured US cities.

Units permitted
1,115
12 months ending July 2026
Per 1,000 residents
17.1
Top 4% nationally
Year over year
−37%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202471k59k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
202020222023202420252k883
Annual totals from the Census Building Permits Survey. Permitting in 2025 was higher than 2020 (+30%).

Weather & climate

8 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 92°F and January a low of 50°F.

Normal annual precipitation is 51.4 inches.

40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station ORLANDO INTL AP, 14.0 miles from this location.
Precipitation
JFMAMJJASOND8.1"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation51.4"1991-2020 Normals
Annual snowfall0.0"1991-2020 Normals
Average January low50°F1991-2020 Normals
Average July high92°F1991-2020 Normals
Comfortable months81991-2020 Normals
Seasonal temperature swing22°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

19 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, strong wind and hurricane.

Strong windHigh
LightningModerate
WildfireModerate
HurricaneElevated
TornadoModerate
Inland floodingModerate
Cold waveModerate

Low or minimal exposure: heat wave, landslide, earthquake, drought, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

7 major airports lie within 100 miles, the nearest 14 miles away.

AirportCodeDistanceLongest runway
Orlando IntlMCO14 mi10,000 ft
Orlando Sanford IntlSFB38 mi11,002 ft
Melbourne Orlando IntlMLB40 mi10,181 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
62
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Other cities in Orlando-Kissimmee-Sanford, FL

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
OrlandoOrange County319,75863vs St. Cloud
KissimmeeOsceola County81,47953vs St. Cloud
Pine HillsOrange County80,105vs St. Cloud
PoincianaOsceola County75,068vs St. Cloud
Four CornersOsceola County65,048vs St. Cloud
SanfordSeminole County63,73063vs St. Cloud
ApopkaOrange County58,23271vs St. Cloud
OcoeeOrange County49,03366vs St. Cloud
Winter GardenOrange County47,87268vs St. Cloud
Altamonte SpringsSeminole County46,11665vs St. Cloud
UniversityOrange County41,902vs St. Cloud
OviedoSeminole County40,59968vs St. Cloud

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in St. Cloud

3 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
3477235,390$97,86863
3477135,257$97,41563
3476930,204$67,14858