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Florida / Osceola County / St. Cloud

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St. Cloud

City, Osceola County. Population 71,242 (2025), +8.0% on the prior year, +20.8% since 2020 Last updated 2026-10-04.

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St. Cloud

Boundary: US Census Bureau TIGER/Line, simplified for drawing. 29.17 square miles of land.

Population

2025
Population71,242Population, April 1, 1979 to 2025197971.2k high2025
Change since the prior year+8.0%2024 to 2025
Change since 2020+20.8%2020 to 2025
Census 202058,9642020

University of Florida Bureau of Economic and Business Research, Florida Estimates of Population, retrieved 2026-10-01 | Population estimates

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Basis of the latest figureestimate2025

Population by year

April 1 of each year. Basis is census in a census year, otherwise BEBR's estimate.

YearPopulationBasisChange
202571,242estimate+8.0%
202465,974estimate+6.4%
202361,997estimate+1.1%
202261,331estimate+0.5%
202161,033estimate+3.5%
202058,964census+23.2%
201947,874estimate+2.9%
201846,519estimate+3.2%
201745,094estimate+4.9%
201642,998estimate+4.1%
201541,316estimate+4.1%
201439,674estimate+2.1%
201338,874estimate+3.1%
201237,723estimate+5.2%
201135,844estimate+1.9%
201035,183census+7.8%
200932,630estimate-0.6%
200832,827estimate+7.2%
200730,634estimate+2.0%
200630,035estimate+21.6%
200524,700estimate+1.3%
200424,392estimate+4.1%
200323,429estimate+7.3%
200221,825estimate+5.1%
200120,770estimate+3.5%
200020,074census+9.9%
199918,263estimate+6.2%
199817,198estimate+1.3%
199716,969estimate+2.2%
199616,601estimate+4.9%
199515,829estimate+3.2%
199415,333estimate+3.7%
199314,779estimate+3.4%
199214,297estimate+13.4%
199112,604estimaten/a
198912,273estimate+4.7%
198811,720estimate+2.7%
198711,415estimate+4.8%
198610,888estimate+6.8%
198510,191estimate+3.2%
19849,872estimate+7.8%
19839,156estimate+6.4%
19828,603estimate+6.9%
19818,050estimaten/a
19797,074estimaten/a

Labor force

Aug 2026
Unemployment rate5.1%Unemployment rate, not seasonally adjusted, Aug 2016 to Aug 2026Aug 201622.0% highAug 2026
Labor force33,934Aug 2026
Employment32,199Aug 2026
Unemployed1,735Aug 2026
Rate a year earlier4.7%Aug 2025
Labor force, change on a year earlier+0.4%Aug 2026

US Bureau of Labor Statistics, Local Area Unemployment Statistics, retrieved 2026-10-01 | Labor force page

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Latest month is preliminaryyesAug 2026

Monthly, last three years

Not seasonally adjusted. The latest month may be preliminary.

MonthLabor forceEmployedUnemployedRate
Aug 202633,93432,1991,7355.1%
Jul 202633,90932,1081,8015.3%
Jun 202634,16132,4141,7475.1%
May 202633,98932,2631,7265.1%
Apr 202633,93132,1701,7615.2%
Mar 202633,74732,0981,6494.9%
Feb 202633,73431,9431,7915.3%
Jan 202633,57331,7081,8655.6%
Dec 202533,63531,9461,6895.0%
Nov 202533,76331,9601,8035.3%
Sep 202533,90132,3691,5324.5%
Aug 202533,79032,2041,5864.7%
Jul 202533,75632,2421,5144.5%
Jun 202533,72632,2711,4554.3%
May 202533,47732,1961,2813.8%
Apr 202533,53032,2851,2453.7%
Mar 202533,48832,2091,2793.8%
Feb 202533,37532,0811,2943.9%
Jan 202533,48132,1631,3183.9%
Dec 202433,39432,2091,1853.5%
Nov 202433,46632,1901,2763.8%
Oct 202433,71932,4721,2473.7%
Sep 202433,87132,6201,2513.7%
Aug 202433,82132,4731,3484.0%
Jul 202433,91832,5391,3794.1%
Jun 202433,86732,4931,3744.1%
May 202433,61032,4231,1873.5%
Apr 202433,56632,4761,0903.2%
Mar 202433,61932,4321,1873.5%
Feb 202433,42932,2391,1903.6%
Jan 202433,37732,1211,2563.8%
Dec 202332,63231,5381,0943.4%
Nov 202332,83831,7301,1083.4%
Oct 202333,09231,9121,1803.6%
Sep 202333,09231,9751,1173.4%
Aug 202333,02431,8571,1673.5%

Annual averages

YearLabor forceEmployedUnemployedRate
202533,62932,1751,4544.3%
202433,63932,3911,2483.7%
202332,69831,6311,0673.3%
202231,08330,0511,0323.3%
202128,81127,2371,5745.5%
202027,46824,4982,97010.8%
201927,38326,4839003.3%
201826,94826,0049443.5%
201725,74324,6831,0604.1%
201624,20923,0741,1354.7%
201521,50120,3091,1925.5%
201420,33519,2181,1175.5%
201319,43418,1561,2786.6%
201218,78817,3381,4507.7%
201118,22116,5811,6409.0%

Sales and visitor spending

12 months to Mar 2026
BusinessFlare® estimate, last 12 months$1,343.7M

Monthly series, visitor, resident and big ticket groups, chart and workbook with the pass. Get the pass / Sign in

Pass holders: once signed in on the pass page, the monthly estimate loads here.

Economic Census geographic area series, retail trade and accommodation and food services, 2017 and 2022, retrieved 2026-10-01; BusinessFlare® city-level sales and visitor spending estimate (method and error; the figures are Street Economics Pass data), retrieved 2026-10-04 | How the estimate is made

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BusinessFlare® estimate from public sources. The estimate anchors on the sales the US Census Bureau published for this place in the 2017 and 2022 Economic Census, for retail trade and for accommodation and food services, and moves them month by month with the county's sales tax returns by kind of business (Florida Department of Revenue Form 10). After the 2022 anchor the place's share of the county moves with the growth of its commercial property on the Department's 2026 tax roll, as submitted by the county property appraiser, by use code: stores, shopping centers, supermarkets and auto dealers for retail; restaurants, bars and hotels for accommodation and food. The three spending groups follow the county's kind code mix within each sector. Every place with both anchors was carried from 2017 to 2022 the same way and the landing on the 2022 Census figure is the published error.

A landing error over 25% carries a wide error flag. The error is published with every figure; an estimate is never shown without it. Rounded to the nearest hundred thousand dollars; the monthly series is pass data.

Statewide median error, 2017 to 2022 back-test15.7%2017 to 2022
Retail trade (NAICS 44-45): Census sales 2017$612M2017
Retail trade (NAICS 44-45): Census sales 2022$1.06B2022
Retail trade (NAICS 44-45): 2022 landing error16.1%2022
Accommodation and food services (NAICS 72): Census sales 2017$84.7M2017
Accommodation and food services (NAICS 72): Census sales 2022$141M2022
Accommodation and food services (NAICS 72): 2022 landing error2.1%2022

Economic Census anchors and the back-test

SectorCensus sales 2017Census sales 20222017 carried to 2022Landing error
Retail trade (NAICS 44-45)$612M$1.06B$888M16.1%
Accommodation and food services (NAICS 72)$84.7M$141M$138M2.1%

Business base

Aug 2026
Licensed food service, lodging and alcohol businesses332New licenses by month, Sep 2016 to Aug 2026Sep 20165 highAug 2026
Food service licenses186Aug 2026
Lodging licenses47Aug 2026
Alcoholic beverage licenses99Aug 2026
New licenses, last 12 months35Aug 2026
New business filings, last 12 months (postal city)3,419Sep 2026
Change on the 12 months before+6.8%Sep 2026
New filings, latest month183Sep 2026

County Business Patterns and ZIP Code Business Patterns, complete data files, retrieved 2026-10-01; Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses, retrieved 2026-10-01; Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month, retrieved 2026-10-01 | Licenses Business formations

Licenses are placed inside the city limits by their geocoded address.

Business formations are by postal city: Saint Cloud, which is not the city limits.

Establishments, employment and payroll are a ZIP code basis: ZIP codes 34769.

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Establishments (ZIP basis)7522023
Employees, mid March (ZIP basis)8,1932023
Annual payroll (ZIP basis)$338M2023

Licenses by type

Counted licenses in DBPR's food service, lodging and alcoholic beverage files, placed by geocoded address.

License typeFileActive
2010-SEATfood114
2APSalcohol39
2003-NAPTlodging30
2COPalcohol29
2014-MFDVfood26
2010-NOSTfood24
4COP-SFSalcohol14
2013-CATRfood11
2014-HTDGfood11
2007-DWEL-SNGLlodging9
3PSalcohol7
2002-MOTLlodging5
4COPalcohol4
11Calcohol3
2007-DWEL-CLCTlodging2
1COPalcohol1
2COP-SFSalcohol1
4COP-SHalcohol1
2001-HOTLlodging1

Filings by entity type, last 12 months

Sunbiz new entity filings by the ZIP code of the principal address, grouped to the USPS postal city (postal city: Saint Cloud)

Entity typeLast 12 months12 months before
Florida limited liability companies3,1012,829
Florida profit corporations223271
Florida non-profit corporations8582
Out of state entities registering in Florida819
Partnerships, trusts and other filings20

ZIP Code Business Patterns, 2023

ZIP codes 34769: the ZIP codes whose Census internal point falls inside the city limits. A ZIP code crosses the limits, so this is a ZIP basis, not the city.

ZIP codeEstablishmentsEmployeesAnnual payroll
347697528,193$338M

Building permits

Aug 2026
Housing units permitted, last 12 months1,123Housing units permitted by month, Sep 2016 to Aug 2026Sep 2016473 highAug 2026
Change on the 12 months before-31.2%Aug 2026
Permit valuation, last 12 months$568MAug 2026
Units, latest month84Aug 2026
Single family units, last 12 months1,123Aug 2026
Units in buildings of 5 or more, last 12 months0Aug 2026
Units, latest annual table1,4302025

US Census Bureau, Building Permits Survey, place and county residential permits, retrieved 2026-10-01 | Building permits

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Monthly, last three years

Residential permits as the Bureau publishes them; imputed months are the Bureau's imputations.

MonthUnits1 unit5 or moreValuation
Aug 202684840$43.6M
Jul 20261201200$64.6M
Jun 20261211210$62.2M
May 202672720$38.6M
Apr 202696960$51.2M
Mar 202695950$46.5M
Feb 202681810$39.2M
Jan 202662620$33.7M
Dec 202591910$44.8M
Nov 202571710$34.2M
Oct 20251351350$65.3M
Sep 202595950$43.5M
Aug 202571710$35.2M
Jul 20251661660$79.8M
Jun 20251781780$85M
May 20251221220$60.1M
Apr 20251331330$65.6M
Mar 20251441440$74.4M
Feb 202587870$43.6M
Jan 20251371370$65.3M
Dec 20241331330$62.6M
Nov 20241741740$80.1M
Oct 20241481480$70.8M
Sep 20241391390$62.3M
Aug 20242162160$105M
Jul 20241341340$60.1M
Jun 202415814414$37.8M
May 2024473169304$128M
Apr 202480800$35.1M
Mar 202451510$23.2M
Feb 202440400$17M
Jan 20241151150$50M
Dec 202370700$30.6M
Nov 202398980$40.2M
Oct 202366660$27.6M
Sep 202360600$23.5M

Annual table

YearUnits1 unit5 or moreValuation
20251,4301,4300$697M
20241,8611,543318$732M
20231,1311,1310$467M
20228838830$363M
20211,2091,2090$442M
20201,0971,0970$365M
20191,2461,2460$414M
20189609600$293M
20177397390$213M
20168868860$209M
20157407400$207M
20145545540$82.9M
20135065060$70.3M
20122482480$48.8M
20112082080$45.2M

Property roll

2026 preliminary
Total just value$7.66B
Total taxable value (non school)$4.94B2026 preliminary
Total taxable value (school)$5.45B2026 preliminary
Just value, change on the prior roll+1.1%2025 final roll to 2026 preliminary
Taxable value (non school), change on the prior roll+6.9%2025 final roll to 2026 preliminary
Total just value, prior roll$7.58B2025 final roll
New construction value$155M2026 preliminary
Parcels24,3912026 preliminary

Florida Department of Revenue, NAL tax roll, 2026 preliminary and final as posted, retrieved 2026-10-03

Parcels are placed by Census block group through the Census Bureau's block assignment file; a parcel in a block group that straddles the limits is apportioned. Census 2020 block groups; 51% of the county's just value lies in a place. Medians are over the parcels whose block group lies mostly in the place. Qualified sales: the roll's own sale fields, qualification codes 01 and 02, improved, single parcel.

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Median single family just value$306K2026 preliminary
Qualified sales, last 12 months686Jun 2025 to May 2026
Median qualified sale price$349KJun 2025 to May 2026
Just value, residential$6.48B2026 preliminary
Just value, commercial$520M2026 preliminary
Just value, industrial$124M2026 preliminary
Just value, agricultural$84.6M2026 preliminary
Just value, vacant$154M2026 preliminary
Just value, institutional$105M2026 preliminary
Just value, government$185M2026 preliminary
Just value, other$11.2M2026 preliminary

Just value by use group

Department of Revenue land use codes grouped: residential 001 to 009, commercial 011 to 039, industrial 041 to 049, agricultural 050 to 069, vacant 000, 010, 040 and 070, institutional 071 to 079, government 080 to 089, other 090 to 099. Taxable is the non school taxable value. Just value change compares with the 2025 final roll, summed the same way.

Use groupParcelsJust valueTaxable (non school)New constructionResidential unitsJust value change
Residential21,476$6.48B$4.21B$150M22,590+0.9%
Commercial443$520M$439M$4.16Mn/a+4.4%
Industrial85$124M$110M$149Kn/a+3.8%
Agricultural89$84.6M$8.61M$52.3Kn/a-3.2%
Vacant1,862$154M$129M$42.6Kn/a-0.2%
Institutional86$105M$32M$48.2Kn/a+2.9%
Government277$185M$560K$442Kn/a+0.8%
Other73$11.2M$7.96M$83.1Kn/a-1.2%

Housing

2020 to 2024 ACS
Housing unitsn/aHomeownership rate, 1990 to 2024199073.2% high2024
Occupied units21,1642020 to 2024 ACS
Vacant units1,6432020 to 2024 ACS
Owner occupied households18,2002024 1-Year
Renter occupied households4,8922024 1-Year
Homeownership rate78.8%2020 to 2024 ACS
Cost burdened households, all tenures (over 30% of income)33.9%2025
Cost burdened renter households54.2%2025

Shimberg Center for Housing Studies, Florida Housing Data Clearinghouse, retrieved 2026-10-01 | Housing data

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Severely cost burdened renters (over 50%)21.7%2025
Assisted housing developments11Assisted Housing Inventory
Assisted units848Assisted Housing Inventory
Median gross rent$2.15K2020 to 2024 ACS
Median single family sale price$395K2024

Cost burden by income, 2025

Households by the share of income spent on housing, Shimberg Center estimates for 2025.

TenureIncome (share of area median)30% or less30.1 to 50%Over 50%
All households30% AMI or less2965441,227
All households30.01-50% AMI5975652,000
All households50.01-80% AMI2,4351,814392
All households80.01-120% AMI2,19486729
All householdsGreater than 120% AMI10,68185914
Renters30% AMI or less89266649
Renters30.01-50% AMI76331593
Renters50.01-80% AMI593986178
Renters80.01-120% AMI6953820
RentersGreater than 120% AMI1,5421660
Owners30% AMI or less207278578
Owners30.01-50% AMI5212341,407
Owners50.01-80% AMI1,842828214
Owners80.01-120% AMI1,49948529
OwnersGreater than 120% AMI9,13969314

Single family sales by year

YearMedian priceSales
1996$79.9K397
1997$84.9K426
1998$88.5K520
1999$92K661
2000$95.8K712
2001$109K715
2002$120K812
2003$133K952
2004$147K1,198
2005$213K1,523
2006$268K1,620
2007$240K964
2008$182K621
2009$135K640
2010$130K625
2011$130K631
2012$135K518
2013$162K734
2014$163K642
2015$189K1,099

Assisted housing developments

Shimberg Center Assisted Housing Inventory.

DevelopmentAddressCityUnitsAssisted
Crestwood3121 Crestwood CircleSt. Cloud216216
Sawyer Estates4201 Sawyer CircleSt. Cloud192192
Summer Cove200 Pine Valley RoadSt. Cloud19296
Madison Grove3400 Progress LaneSt. Cloud8080
Inglewood Meadows4037 W New Nolte RoadSt. Cloud5151
Woodland Terrace4309 W New Nolte RoadSt. Cloud5151
St. Cloud Villas II1601 Kissimmee Park RoadSt. Cloud5050
Hickory Glen833 Dori CourtSt. Cloud3434
Southwind Apartment1801 MICHIGAN AVESt. Cloud3434
St. Cloud Apartments1761 MICHIGAN AVESt. Cloud3030
Tracey Manor656 19th StreetSt. Cloud1414

Fiscal

Sep 2026
Half-cent sales tax, latest month$419KHalf-cent sales tax distributions by month, Oct 2016 to Sep 2026Oct 2016$520K highSep 2026
Half-cent sales tax, fiscal year to date$4.95MFY2026 to Sep 2026
Half-cent sales tax, last 12 months$4.95MSep 2026
Half-cent sales tax, change on the 12 months before+0.3%Sep 2026
State revenue sharing, latest month$246KSep 2026
State revenue sharing, fiscal year to date$2.95MFY2026 to Sep 2026
State revenue sharing, last 12 months$2.95MSep 2026
State revenue sharing, change on the 12 months before+5.6%Sep 2026

Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments, retrieved 2026-10-01; Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments, retrieved 2026-10-01; Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding, retrieved 2026-10-04 | Distributions Annual financial report

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Total revenues$258MFY2024
Revenues, change on the year before+1.7%FY2024
Total expenditures$186MFY2024
Expenditures, change on the year before-62.9%FY2024
Revenues per resident$3.91KFY2024
Long-term debt outstanding at year end$104MFY2025
Long-term debt, change on the year before+109.0%FY2025

Half-cent sales tax, monthly distributions

As the Department of Revenue's ledger prints them; a blank month is a month with no line.

MonthDistributed
Sep 2026$419K
Aug 2026$423K
Jul 2026$408K
Jun 2026$441K
May 2026$486K
Apr 2026$419K
Mar 2026$414K
Feb 2026$461K
Jan 2026$386K
Dec 2025$380K
Nov 2025$369K
Oct 2025$340K
Sep 2025$425K
Aug 2025$420K
Jul 2025$407K
Jun 2025$442K
May 2025$465K
Apr 2025$411K
Mar 2025$400K
Feb 2025$449K
Jan 2025$407K
Dec 2024$373K
Nov 2024$364K
Oct 2024$366K
Sep 2024$410K
Aug 2024$415K
Jul 2024$417K
Jun 2024$428K
May 2024$497K
Apr 2024$434K
Mar 2024$415K
Feb 2024$475K
Jan 2024$400K
Dec 2023$398K
Nov 2023$399K
Oct 2023$371K

State revenue sharing, monthly distributions

As the Department of Revenue's ledger prints them; a blank month is a month with no line.

MonthDistributed
Sep 2026$246K
Aug 2026$246K
Jul 2026$246K
Jun 2026$240K
May 2026$240K
Apr 2026$240K
Mar 2026$240K
Feb 2026$240K
Jan 2026$240K
Dec 2025$258K
Nov 2025$258K
Oct 2025$258K
Sep 2025$267K
Aug 2025$267K
Jul 2025$267K
Jun 2025$216K
May 2025$216K
Apr 2025$216K
Mar 2025$216K
Feb 2025$216K
Jan 2025$216K
Dec 2024$216K
Nov 2024$241K
Oct 2024$241K
Sep 2024$241K
Aug 2024$241K
Jul 2024$241K
Jun 2024$253K
May 2024$253K
Apr 2024$253K
Mar 2024$253K
Feb 2024$253K
Jan 2024$253K
Dec 2023$253K
Nov 2023$253K
Oct 2023$253K

Long-term debt by fiscal year

Total long-term debt outstanding at fiscal year end, all funds, as the government reported it to the Department of Financial Services in its Annual Financial Report.

Fiscal yearDebt outstandingChange
FY2025$104M+109.0%
FY2024$50M+48.5%
FY2023$33.7M-39.7%
FY2022$55.9M-16.6%
FY2021$67M-10.9%
FY2020$75.1M-7.3%
FY2019$81M-7.7%
FY2018$87.8M-6.9%
FY2017$94.3M-6.6%
FY2016$101M-5.6%
FY2015$107M-5.8%
FY2014$114M-5.1%
FY2013$120Mn/a

Revenues by category, FY2024

Sum of the fund columns in EDR's workbook for this government.

CategoryFY2024FY2023Change
General Government Taxes$38.3M$33.7M+13.4%
Permits, Fees, and Special Assessments$22.7M$36.3M-37.4%
Intergovernmental Revenues$14.8M$18.2M-18.9%
Charges for Services$52.8M$46.8M+12.9%
Judgments, Fines, and Forfeits$195K$189K+3.1%
Miscellaneous Revenues$51M$28.5M+79.2%
Other Sources$78.4M$90.1M-13.0%
Taxesn/an/an/a
Intergovernmental Revenuen/an/an/a
Permits and Franchise Feesn/an/an/a

Expenditures by category, FY2024

Sum of the fund columns in EDR's workbook for this government.

CategoryFY2024FY2023Change
General Government Services (Not Court-Related)$45.1M$37.3M+20.8%
Public Safety$52.8M$37.6M+40.4%
Physical Environment$19.2M$22.8M-15.6%
Transportation$5.86M$13.6M-56.8%
Economic Environment$1.05M$1.18M-11.4%
Culture / Recreation$13.7M$11.2M+22.5%
Other Uses and Non-Operating$48.4M$378M-87.2%
Other Usesn/an/an/a

Bank deposits

June 30, 2026
Deposits (offices reporting this city)$1.21BDeposits, June 30 each year, 1994 to 20261994$1.21B high2026
Change on a year earlier+2.4%June 30, 2026
Change, real-0.8%June 30, 2026
Branches11June 30, 2026
Institutions9June 30, 2026
Branches opened since the survey a year earlier0June 30, 2026
Branches closed since the survey a year earlier0June 30, 2026

FDIC Summary of Deposits, Florida offices, every June 30 since 1994, retrieved 2026-10-01 | Bank deposits

Offices whose reported city is St. Cloud.

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Offices, June 30, 2026

Deposits as each office reports them to the FDIC; the city is the one the bank reports, not a municipal boundary.

InstitutionBranchAddressCityDeposits
Bank of America, National AssociationSt. Cloud Branch4300 13th StSt. Cloud$230M
JPMorgan Chase Bank, National AssociationSaint Cloud Branch4355 13th StSt. Cloud$205M
Truist BankOld Canoe Creek Road Branch4291 13th StSt. Cloud$187M
SouthState Bank, National AssociationAshton Branch4898 E Irlo Bronson Memorial HwySt. Cloud$133M
SouthState Bank, National AssociationSt. Cloud Branch2819 13th StSt. Cloud$111M
Truist BankEast St. Cloud Branch4935 E Irlo Bronson Memorial HwySt. Cloud$86.1M
PNC Bank, National AssociationSt Cloud-13Th Street Branch2500 13th StSt. Cloud$84.5M
BankFloridaSt. Cloud Branch1150 E Irlo Bronson Memorial HighwaySt. Cloud$53.3M
Regions BankSt Cloud Branch4459 13th StSt. Cloud$50.2M
Axiom Bank, National AssociationSaint Cloud Branch4409 13th Street, Suite ASt. Cloud$36.9M
Centennial BankSaint Cloud Branch3552 13th StSt. Cloud$31.8M

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