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Market Intelligence · FL / Osceola County

St. Cloud, FL home prices and housing market

4 ZIP markets liveData updated September 2026Typical value$387K1-yr changeDown2.6%

The typical home value in St. Cloud, FL is $387K as of September 2026, down 2.6% from a year ago, based on the Zillow Home Value Index. In the typical St. Cloud ZIP code, the median list price is $413K and homes spend a median of 76 days on market as of September 2026 (Realtor.com).

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The coverage

St. Cloud, by the numbers.

Typical home valueZillow ZHVI, September 2026
$387K
1-yr changeMedian across St. Cloud ZIPs
-2.6%
ZIP markets live5 tracked in St. Cloud
4
County
Osceola County

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12-month value trend

-2.6% over 12 months

Typical home value in St. Cloud over the last 12 months: $397K in Sep 2025 to $387K in Sep 2026 (-2.6%).

Sep 2025$397K

Sep 2026$387K

Median Zillow home value index across St. Cloud's ZIP codes.

Context

The St. Cloud housing market has cooled compared to last year. The typical home value in the city is $386,504 as of September 2026, down 2.6% over the past year. Sellers are still aiming higher than that, with a median list price of $412,659. Homes are taking time to sell, sitting a median of 76 days on the market. Inventory is substantial, with 873 homes for sale and 244 new listings added in September 2026. About 19.0% of listings have had a price cut, a sign that some sellers are adjusting to what buyers will pay. For a homeowner thinking about selling, pricing realistically from day one matters more than it did a year ago.

The numbers

What is the housing market like in St. Cloud, FL?

Typical home value

$387K

Down2.6%YoY

Median list price

$413K

Days on market

76

Homes for sale

873

Price cuts

19.0%

New listings

244

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026)

Figures reflect St. Cloud's ZIP codes with market data: values and listing medians take the median across ZIPs; inventory and new listings are summed.

Prices over time

St. Cloud, FL home prices over time

Typical home values in St. Cloud, FL are down 2.6% over the past year, from $397K in September 2025 to $387K in September 2026.

Typical home value in St. Cloud, FL, September of each year
MonthTypical value1-yr change
September 2026$386,504-2.6%
September 2025$396,704No prior year

Typical value is the median Zillow Home Value Index across St. Cloud ZIP codes, taken in September of each year so every row compares the same month.

Market balance

Is St. Cloud, FL a buyer's or seller's market?

St. Cloud, FL leans toward a buyer's market.

Homes are taking longer to sell and homes for sale are building up relative to new listings, which gives buyers more room to negotiate.

Based on a median of 76 days on market and 19% of listings with a price cut in the typical St. Cloud ZIP code, and 244 new listings against 873 active listings across St. Cloud, as of September 2026 (Realtor.com).

The outlook

St. Cloud housing market forecast 2027

-0.7%

Weighted average of Zillow's ZIP forecasts, 12 months to September 2027

A weighted average of Zillow's ZIP forecasts, across 4 St. Cloud ZIP codes, points to typical home values falling 0.7% by September 2027.

Over the 12 months through September 2026, typical home values in St. Cloud fell 2.6%, per the Zillow Home Value Index.

Will home prices drop in St. Cloud?

The forecasts point that way: a weighted average of Zillow's ZIP forecasts for St. Cloud shows typical home values falling 0.7% by September 2027, after a 2.6% decline over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

How this is calculated: each ZIP code's 12-month Zillow forecast is weighted by its typical home value (Zillow Home Value Index, September 2026). 4 St. Cloud ZIP codes have both figures.

Forecast: a weighted average of Zillow's ZIP forecasts (Zillow Home Value Forecast, published October 2026), calculated by Home Value Pros. A forecast, not a guarantee.

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Live markets

What ZIP codes are live in St. Cloud?

Typical value is the Zillow home value index (ZHVI) for each ZIP, as of September 2026. 1-yr change compares it to the same ZIP a year earlier. We track 5 St. Cloud ZIP codes in total; the remaining 1 publish as their data clears editorial QA.

Zillow ZHVI, September 2026

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Common questions

Questions about St. Cloud, FL home prices.

How much is a home in St. Cloud worth?

The typical home value in St. Cloud is $386,504 as of September 2026. That figure is down 2.6% over the past year.

How long does it take to sell a home in St. Cloud?

Homes in St. Cloud spend a median of 76 days on the market as of September 2026. Sellers should expect a slower process and plan their timeline accordingly.

Are St. Cloud sellers cutting prices?

Yes, 19.0% of listings in St. Cloud had a price cut as of September 2026. With 873 homes for sale, buyers have room to negotiate.

Are home prices going up or down in St. Cloud, FL?

Typical home values in St. Cloud, FL are down 2.6% over the past year, based on the Zillow Home Value Index as of September 2026.

Is St. Cloud, FL a buyer's or seller's market?

St. Cloud, FL leans toward a buyer's market. Homes are taking longer to sell and homes for sale are building up relative to new listings, which gives buyers more room to negotiate. Based on a median of 76 days on market and 19% of listings with a price cut in the typical St. Cloud ZIP code, and 244 new listings against 873 active listings across St. Cloud, as of September 2026 (Realtor.com).

Nearby markets

More Florida housing markets.

The market is moving

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