Real Estate Investing in Saint Cloud, Florida (34772)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 34772 (Saint Cloud, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Elevated vacancy: 11.8% vacancy may signal weakening demand.
What’s happening in Saint Cloud, FL (34772)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 34772 Saint Cloud
ZIP 34772 inside Osceola County looks affordable on the surface — median value of $399K — but the discount exists for reasons that a careful buyer should understand before committing.
The 34772 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
In the broader FL picture, 34772 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
From an investor standpoint, 33,542 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
Experienced landlords with local relationships tend to find 34772 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Saint Cloud:
Property Strategy for 34772
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $317,713 | $2,210 | 5.0% | +5.5% | $158,856 |
| 3BR | $365,649 | $2,770 | 5.5% | +7.2% | $121,883 |
| 4BR | $412,473 | $3,280 | 5.7% | +7.5% | $103,118 |
| 5BR | $519,865 | — | — | +8.3% | $103,973 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 34772 Compare?
| Metric | 34772 | Saint Cloud | Orlando-Kissimmee-Sanford, FL | Florida |
|---|---|---|---|---|
| Home Value | $398,991 | $384,454 | N/A | $374,697 |
| 5-Year CAGR | 4.2% | 3.6% | N/A | 7.4% |
| Avg Rent | $2,301 | $2,230 | N/A | - |
| Cap Rate | 4.5% | 4.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 34772 (Saint Cloud, FL). Anonymous, moderated, never written by AI.
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Property managers serving Osceola County
Manage rentals here? List your business →Towers Property Management provides community association management services to homeowners associations and condominium associations in Central Florida, including Orlando, Altamonte Springs, Oviedo, summary from their website
Paragon Property Services, LLC offers full-service home inspection services in Central Florida, including Lake, Sumter, Seminole, Orange, Osceola, Polk, Pasco, Hernando, Hillsborough, Volusia, and Cit summary from their website
Park Avenue Property Management provides property management services in Orlando and Central Florida. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $398,991 |
| Monthly Rent | $2,301 |
| Price-to-Rent | 14.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.9% |
| Cap Rate | 4.5% |
| 5-Year IRR | 8.7% |
📈 Home Appreciation
| 1-Year | -1.2% ▼ |
| 3-Year CAGR | -1.2% ▼ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +6.1% ▲ |
🏠 Rent Trends
| 1-Year | +0.8% ▲ |
| 3-Year CAGR | +2.8% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 34772
Population: 33,542
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 34772
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How much do tenants pay in Saint Cloud, FL?
Expect rents around $2,301/mo per month in Saint Cloud, FL. With home values at $399K, the yield math works out to reasonable levels for rental investors.
How do experienced investors play Saint Cloud, FL?
The best-fit strategy in Saint Cloud, FL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Do rentals sit vacant long in Saint Cloud, FL?
Expect elevated vacancy in Saint Cloud, FL. Rents at $2,301/mo are absorbed by the tenant base without meaningful lag.
Is Saint Cloud, FL a good market for FHA house hackers?
Saint Cloud, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $2,301/mo rent level.
How does Saint Cloud, FL rate as a rental market?
Saint Cloud, FL rates 3.0/5 for investability. With median values at $399K and rents near $2,301/mo, the market offers reasonable fundamentals for rental investors.
You know 34772 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 34772 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 34772 ranks in Orlando-Kissimmee-Sanford, FL
Every ZIP in this metro, ranked. Free.
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