Cost of Living in St. Cloud, FL
Population 61,963 · Florida · Data vintage 2023
(100 = US avg)
One of the defining characteristics of St. Cloud is a long average commute — 40 minutes one way, compared to a national median of 27. The city's housing pricing is difficult to evaluate without factoring in that daily time cost. At 6.3%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Geographically, St. Cloud sits roughly 12 miles south of Orlando. Median home values run roughly 10% lower than Orlando's $359,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in St. Cloud
The median home value in St. Cloud is $324,100 — 6% above the national median of $305,000. Median rent runs $1,528/month, 16% higher than the national median of $1,314/month. The median household income of $76,196/year is 2% higher than the US median of $74,580. The local unemployment rate is 6.3%, above the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. Overall, St. Cloud has a cost of living index of 110 versus the US average of 100, meaning it is 10% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in St. Cloud, FL?
St. Cloud has a cost index of 110 (100 = national average). It is 10% above the national average.
What is average rent in St. Cloud, FL?
The median gross rent in St. Cloud is $1,528 per month based on 2023 Census data.
What is the average home price in St. Cloud?
The median home value in St. Cloud is $324,100 according to 2023 Census ACS data.
What is the median income in St. Cloud?
The median household income in St. Cloud is $76,196 per year (2023 ACS 5-year estimates).
What is the sales tax in St. Cloud, FL?
The combined state and local sales tax rate in St. Cloud is 7.0%. Florida has no state income tax.
Is St. Cloud, FL affordable?
St. Cloud is near the national average in terms of cost of living, with an index of 110 (100 = US average).
St. Cloud at a Glance
- Population
- 61,963
- Median Income
- $76,196
- Home Value
- $324,100
- Median Rent
- $1,528/mo
- Unemployment
- 6.3%
- Sales Tax
- 7.0%
Nearby Cities
Explore county-level cost of living data
Florida Rankings
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