HomeFloridaOsceola CountySt. Cloud city
St. Cloud city, Florida: commercial real estate data.
St. Cloud city is a Census city of 65,130 people across 29.17 square miles of land, in Osceola County. Median household income is $83,174, 72.5 percent of occupied homes are owned, and the SBA record carries 101 7(a) approvals to borrowers here worth $43.9 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
St. Cloud
What St. Cloud is
- Census place typecity
- Land area29.17 sq mi
- Water area0.07 sq mi
- Population per square mile of land2,233
- County holding the largest share of its areaOsceola County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
How many people live in St. Cloud
- Population65,130
- Median age36.0
- Population under 1817,285
- Share under 1826.5 percent
- Population 65 and over8,014
- Share 65 and over12.3 percent
- Households21,164
- Family households15,878
- Share of households that are families75.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
Income and work in St. Cloud
- Median household income$83,174
- Per capita income$31,724
- Civilian labor force32,787
- Employed30,841
- Unemployed1,946 plus or minus 527
- Unemployment rate5.9 percent plus or minus 1.6
- Adults 25 and over42,517
- Adults 25 and over with a high school diploma or higher92.4 percent
- Adults 25 and over with a bachelor degree or higher31.6 percent
- Adults 25 and over with a graduate degree8.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
Housing in St. Cloud
- Housing units22,807
- Occupied units21,164
- Vacant units1,643 plus or minus 506
- Vacancy rate7.2 percent plus or minus 2.2
- Owner occupied15,350
- Renter occupied5,814
- Ownership rate72.5 percent
- Median owner-occupied home value$356,200
- Median gross rent, monthly$1,683
- Annual rent as a share of median income24.3 percent
- Single family units18,723
- Share single family82.1 percent
- Units in buildings of two or more2,603
- Share in buildings of two or more11.4 percent
- Mobile homes1,459 plus or minus 362
- Median year structure built2003
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
How St. Cloud gets to work
- Workers 16 and over who commute25,981
- Commuting under 15 minutes4,271
- Share commuting under 15 minutes16.4 percent
- Commuting 30 minutes or more17,137
- Share commuting 30 minutes or more66.0 percent
- Drove alone73.3 percent
- Carpooled11.3 percent
- Public transport0.1 percent plus or minus 0.1
- Walked0.7 percent plus or minus 0.4
- Worked from home13.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Cloud
SBA loans in St. Cloud (7(a))
- Approvals101
- Gross approval$43,881,200
- Average approval$434,467
- Median approval$150,000
- Ninetieth percentile approval$1,053,000
- Largest approval$4,370,000
- Jobs supported751
- Jobs per approval7.4
- Loans with a final outcome14
- Paid in full12
- Charged off2
- Charge-off rate over resolved loans14.3 percent
- Median term120 months
- Share on real estate terms of 20 years or more8.9 percent
- Share to franchises14.9 percent
- Distinct lenders37
- Distinct industries by NAICS66
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Cloud
SBA loans in St. Cloud (504)
- Approvals25
- Gross approval$27,057,000
- Average approval$1,082,280
- Median approval$981,000
- Largest approval$2,537,000
- Jobs supported248
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Cloud
Flood risk in St. Cloud
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 5
- NFIP community number120191
- Currently effective map date06/18/13
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Osceola County, not St. Cloud
Osceola County context, not St. Cloud figures
These are Osceola County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. Cloud measurements.
- Establishments in Osceola County8,617
- Employment at those establishments, Osceola County100,837
- Covered employment, Osceola County115,837
- Average annual pay, Osceola County$52,525
- Average weekly wage, Osceola County$1,010
- Housing units permitted, Osceola County8,813
- Of those, single family, Osceola County5,643
- County product, 2024, Osceola County$20,398,326,000
- County product change over the prior year, Osceola County10.3 percent
- Average income of an arriving household, Osceola County$57,385
Every figure in this section is published for Osceola County as a whole and is not a measurement of St. Cloud. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
St. Cloud questions, answered from the record.
How many people live in St. Cloud, Florida?
65,130, in 21,164 households. St. Cloud city covers 29.17 square miles of land, which is 2,233 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Cloud in?
Osceola County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. Cloud?
$83,174. The median owner-occupied home is valued at $356,200. Median gross rent is $1,683 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Cloud businesses?
101 7(a) approvals totalling $43.9 m, across 37 lenders, median approval $150,000, plus 25 504 approvals worth $27.1 m. These count approvals to borrowers whose address is in St. Cloud, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Cloud borrowers get paid back?
Of the 14 loans that have reached a final outcome, 12 were paid in full and 2 charged off, a charge off rate of 14.3 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is St. Cloud in the National Flood Insurance Program?
Yes. St. Cloud appears in the FEMA Community Status Book as community 120191, carrying Community Rating System class 5, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. Cloud figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Osceola County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. Cloud.
Is zoning published for St. Cloud?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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