HomeFloridaOsceola CountySt. Cloud
St. Cloud, Florida: commercial real estate data.
St. Cloud 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in St. Cloud, in any county, FY2020 to FY2026. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
Counted by borrower city: approvals to borrowers whose address is in St. Cloud, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
- NFIP communityCity of St. Cloud
- NFIP community number120191
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date06/18/13
The City of St. Cloud participates in the National Flood Insurance Program as community 120191 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Osceola County, not St. Cloud
Osceola County context, not St. Cloud figures
- Establishments in Osceola County8,617
- Covered employment, Osceola County115,837
- Average annual pay, Osceola County$52,525
- Housing units permitted, Osceola County8,813
Every figure in this section is published for Osceola County as a whole and is not a measurement of St. Cloud.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $43.9 m since FY2020, across 37 lenders, median approval $150,000, plus 25 504 approvals worth $27.1 m since FY2010. 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?
No rate is published for St. Cloud. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is St. Cloud in the National Flood Insurance Program?
Yes. St. Cloud appears in the FEMA Community Status Book as St. Cloud, city of, community 120191, carrying Community Rating System class 5, which is a premium discount for exceeding the program 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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