St. Cloud, FL

Average · 106

Florida · Population 61,963 · Updated March 2026

$1,528
Median Rent / Month
$76,196
Median Income
$324,100
Median Home Value
$1,513
Owner Costs / Month

Affordability

How far your income goes in St. Cloud

24.1%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Florida

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.0%
Sales Tax
0.86%
Property Tax Rate

Estimated Annual Costs

$18,336
Annual Rent
$0
State Income Tax
$2,787
Property Tax (est.)

Cost of Living Overview

St. Cloud is more expensive than the national average. Higher housing costs are typically the primary driver. With a cost index of 106 (where 100 equals the national median), St. Cloud residents can expect to pay median rent of $1,528/month while earning a median household income of $76,196/year.

The median home value in St. Cloud, FL is $324,100, with typical monthly owner costs around $1,513 including mortgage, insurance, and taxes. The median rent-to-income ratio of 24.1% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Florida has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.0% sales tax rate and 0.86% effective property tax rate, the overall tax environment helps keep costs manageable in St. Cloud.

Frequently Asked Questions

Common questions about living costs in St. Cloud

What is the cost of living in St. Cloud, FL?
The cost of living index in St. Cloud, FL is 106 (US average = 100). Median monthly rent is $1,528, median household income is $76,196/year, and the median home value is $324,100.
Is St. Cloud, FL affordable?
No, St. Cloud is more expensive than the national average with a cost index of 106. The rent-to-income ratio is 24.1%—below the 30%% threshold considered affordable by HUD.
What is the average rent in St. Cloud, FL?
The median gross rent in St. Cloud, FL is $1,528 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $18,336.
What is the median household income in St. Cloud?
The median household income in St. Cloud, FL is $76,196 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Florida?
Florida has a top income tax rate of 0%, a sales tax of 6.0%, and an effective property tax rate of 0.86%. Notably, there is no state income tax.