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St. Cloud, FL Utility & Living Guide
St. Cloud or Saint Cloud is a city in northern Osceola County, Florida, United States.
Monthly Utility Costs
$120/mo
—
$45/mo
$25/mo
$65/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1200/mo |
| 2 Bedrooms | $1600/mo |
| 3 Bedrooms | $2100/mo |
| Median Home Price | $320,000 |
| Property Tax Rate | 1.2% |
| Avg Childcare/mo | $1000 |
St. Cloud’s housing market is competitive, with steady demand due to its proximity to Orlando. Home prices have risen but remain more affordable than nearby metropolitan areas.
Cost of Living
105
+5% above national average
102
98
100
$1000
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 7.5% |
| Property Tax Rate | 1.2% |
| <p>State 6% + County 1% + City 0.5%</p> | |
Florida has no state income tax.
Family & Relocation
50
6.5/10
$1000/mo
City Pulse
Limited public transit options; car-dependent but sidewalks are improving in newer developments.
- Lakefront Park
- St. Cloud Splash Pad
- Forever Florida
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in St. Cloud based on your household profile.
📰 Live Local News
Residents must adhere to local zoning laws and water restrictions during droughts.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
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📊 St. Cloud — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Summer AC usage spikes electric bills, while mild winters keep heating costs minimal.
🏛️ Local Tax Details
Key ZIP code level tax info: Osceola County millage rate ~1.2%, no local surtaxes.
👶 Family & Stroller Friendliness
7/10: Decent sidewalk coverage in newer areas, good park access, but limited transit elevators.
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