What is the cost of living in St. Cloud, FL?
According to the most recent data on the cost of living, St. Cloud has an overall cost of living index of 110, which is 1.1x higher than the national index of 100.
Compared to Florida, St. Cloud has a cost of living index that's 1.1x higher than Florida's index of 104.
The standard of living in St. Cloud ranks as #223 most affordable out of the 462 places we measured in Florida. By definition, that implies St. Cloud ranks as the #239 most expensive place in the Sunshine State.
For more reading on life in St. Cloud, check out:
St. Cloud Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in St. Cloud. Here is how it fares on each of the criteria:
The Services index in St. Cloud is 104.
The Groceries index in St. Cloud is 101.
The Health index in St. Cloud is 122.
The Housing index in St. Cloud is 103.
The Transportation index in St. Cloud is 115.
The Utilities index in St. Cloud is 109.
| Living Expense | St. Cloud | Florida | National Average |
|---|---|---|---|
| Overall | 110 | 104 | 100 |
| Services | 104 | 101 | 100 |
| Groceries | 101 | 105 | 100 |
| Health | 122 | 99 | 100 |
| Housing | 103 | 104 | 100 |
| Transportation | 115 | 109 | 100 |
| Utilities | 109 | 105 | 100 |
St. Cloud Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in St. Cloud Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
St. Cloud, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in St. Cloud is $394,010.
The Median Rent in St. Cloud is $1,683.
The Median Income in St. Cloud is $83,174.
The Home Value To Income in St. Cloud is 4.7x.
The Rent To Monthly Income in St. Cloud is 0.24x.
St. Cloud, FL Costs By Category
Detailed St. Cloud Services costs vs. Florida
Detailed St. Cloud Groceries costs vs. Florida
Detailed St. Cloud Health costs vs. Florida
Detailed St. Cloud Transportation costs vs. Florida
St. Cloud SnackAbility
Cost Of Living In Cities Around St. Cloud
The cost of living varies in the cities and towns around St. Cloud. Here's a quick look at the cost of living in the most populous nearby places:
Orlando, FL has a cost of living index of 116, 1.1x St. Cloud.
Kissimmee, FL has a cost of living index of 107, 1.0x St. Cloud.
Poinciana, FL has a cost of living index of 109, 1.0x St. Cloud.
| City | Population | Cost Of Living | Vs. St. Cloud |
|---|---|---|---|
| Orlando, FL | 319,758 | 116 | 1.1x |
| Kissimmee, FL | 81,479 | 107 | 1.0x |
| Poinciana, FL | 75,068 | 109 | 1.0x |
| Meadow Woods, FL | 42,852 | 114 | 1.0x |
| Buenaventura Lakes, FL | 32,682 | 109 | 1.0x |
| Oak Ridge, FL | 23,364 | 102 | 0.9x |
| Hunters Creek, FL | 22,819 | 123 | 1.1x |
| Southchase, FL | 13,981 | 116 | 1.1x |
| Doctor Phillips, FL | 12,984 | 137 | 1.2x |
| Conway, FL | 12,928 | 118 | 1.1x |
