Side-by-side metrics and state or size-class ranks use the same Census and FBI fields shown on this profile. Results stay in the URL so you can bookmark or share them.
Place dossier plate
SheetFL-ST-CLOUD-FL · St. Cloud, FL 61,963 pop · income 57th pct · 59 tracts
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around St. Cloud
Lowest/highest poles plus peers nearest St. Cloud on median household income. Full ladder: /browse and /rankings.
median HH income
Pontiac · lowest
42,791
Pontiac · lowest
42,791 median HH income
34.6% of the leader · rank #1
Chebanse · near
76,190
Chebanse · near
76,190 median HH income
61.6% of the leader · rank #2
Pioche · near
76,194
Pioche · near
76,194 median HH income
61.7% of the leader · rank #3
St. Cloud · this city
76,196
St. Cloud · this city
76,196 median HH income
61.7% of the leader · rank #4
Pepperell · near
76,196
Pepperell · near
76,196 median HH income
61.7% of the leader · rank #5
Altamont · near
76,198
Altamont · near
76,198 median HH income
61.7% of the leader · rank #6
Horizon West · highest
123,586
Horizon West · highest
123,586 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for St. Cloud on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 61,963.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
St. Cloud - the verdict
Measured against every US city with at least 1,000 residents, St. Cloud lands in the 57th percentile for household income and the 66th percentile for safety. Source: Census ACS + FBI UCR.
57th
percentile, household income
68th
percentile, home value
73rd
percentile, median rent
66th
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: St. Cloud, FL
61,963 people live in St. Cloud, Florida - a small city by U.S. Census Bureau ACS 2023 estimates. The typical household in St. Cloud brings in $76,196 a year, above the median for U.S. cities on this measure, with a poverty rate of 7.9%. Typical homes in St. Cloud are valued around $324,100, and the median resident age is 36.6 years. About 29.5% of adults hold a bachelor's degree or higher, while 59.2% of working-age residents are in the labor force.
In 2024, 1,861 residential building permits were authorized in St. Cloud (Rapid Growth), up 49% from five years earlier, per Census BPS data. St. Cloud reports a comparatively low crime rate: per-100,000 total crime stands at 946.8 in FBI UCR data, below the national average (a voluntary reporting program, read this as reporting activity, not a definitive danger score).
Florida carries a cost-of-living premium: the state registers 103.4 on a 100-equals-national-average index (Above Average) per BEA Regional Price Parities 2024. HUD Fair Market Rent for a typical two-bedroom in this state is $1,526 per month. Monthly utility costs average around $225 across Florida, per EIA 2023 residential energy estimates. FEMA's National Risk Index rates natural-hazard exposure at 75.7 out of 100 (High).
A decision-led reading path
Useful questions to ask of St. Cloud's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from work and mobility to population change to within-city variation to reported crime to comparison shortlist to schools and households to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For St. Cloud, city-specific coverage includes FBI reported-crime rates, annual population history, local building permits, matched public-school count, within-city Census tract profiles, commute-mode shares.
All six city-specific enrichment layers used by this profile are present.
1. Work and mobility
What does the journey to work look like in St. Cloud?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Driving alone is the largest reported mode at 75.4%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Is St. Cloud growing, shrinking, or holding steady?
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Census PEP estimates show the population grew by +15,395 residents from 2020 to 2025, a +25.8% change. Separately, Census BPS recorded 1,861 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
What can 59 Census tracts reveal inside St. Cloud?
That layer breaks the citywide income, rent, and home-value medians into smaller Census geographies, which can reveal differences that one municipal median necessarily hides. A tract is a statistical area, not a locally defined neighborhood or a promise about conditions on a particular block. Start with the city profile for the broad comparison, then use the tract layer to test whether the same housing and income pattern is consistent across the city. Large within-city spreads are a reason to avoid treating any citywide median as a universal resident experience.
PlainCities matches 59 Census tracts to this city.
Which cities make useful reference points for St. Cloud?
Within Florida, the closest population matches are Horizon West (62,152 residents, $123,586 income); Sanford (62,292 residents, $62,877 income); Wellington (61,497 residents, $110,294 income). Outside the state, the closest population matches in this dataset are Pontiac, MI (61,914 residents); Richland, WA (61,912 residents); Dearborn Heights, MI (62,099 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Reported crime
What can the FBI record say about safety in St. Cloud?
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
The joined FBI UCR record reports 946.8 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 58% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Property rate
758.3
Violent rate
188.5
Total reported rate
946.8
FBI Uniform Crime Reporting, incidents per 100,000. Voluntary agency reporting; not a danger score.
What does the education layer cover for St. Cloud?
The NCES join finds 4 public schools within the city match. 29.5% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
Matched public schools
4
Bachelor's degree+
29.5%
Poverty estimate
7.9%
NCES Common Core of Data school locations plus Census ACS resident characteristics.
How far does income reach against housing in St. Cloud?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 4.3 times median household income. The ACS poverty estimate is 7.9%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
Household income
$76,196
Home value
$324,100
Value / income
4.3×
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
Above median income · poverty 7.9% (Above-median poverty)
Cost of Living Index (state)
103.4 (US=100)
Above-average cost · BEA RPP 2024, Florida average
D
City profile score · St. Cloud, FL
47/100
5 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share C
29.5%
Adults with a bachelor's degree or higher; ACS.
Household income C
$76,196
Median household income vs U.S. cities (pop ≥1,000); ACS.
Violent crime D
189 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Poverty rate D
7.9%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living F
103.4 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
St. Cloud profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 57/100 (C) · 29.5%
Household income: 56/100 (C) · $76,196
Violent crime: 49/100 (D) · 189 /100k
Poverty rate: 48/100 (D) · 7.9%
Cost of living: 25/100 (F) · 103.4 index
Where St. Cloud sits on home value vs crime among peer cities
St. Cloud's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - St. Cloud highlighted among 8 peers.Read the chart values
St. Cloud, FL (this city): home $324,100, crime 947/100k
Pontiac, MI : home $110,600, crime 2,626/100k
Richland, WA : home $401,800, crime 2,190/100k
Dearborn Heights, MI : home $174,900, crime 1,698/100k
Marietta, GA : home $401,100, crime 2,109/100k
La Habra, CA : home $716,700, crime 2,523/100k
Sanford, FL : home $272,900, crime 2,795/100k
Wellington, FL : home $557,100, crime 925/100k
How does St. Cloud compare to other US cities?
St. Cloud measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.
Household income57% higher than other cities
Home value68% pricier than other cities
Median rent73% pricier than other cities
Safety66% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
A national percentile can hide a lot of local variation: narrowed to Florida alone, St. Cloud ranks #31 of 120 Florida cities by lowest crime rate - a different, more locally useful comparison than stacking it against the entire country.
How we calculate these percentiles & ranks
Each percentile compares St. Cloud against every qualifying US city; each in-state rank narrows that to Florida only. Full formula and direction notes: methodology.
Florida-relative analysis
Median Gross Rent places St. Cloud near the bottom of Florida's cities
Among the 930 Florida cities PlainCities tracks with reported median gross rent data, St. Cloud ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares St. Cloud only against its own state's cities, not the full US field.
Median Household Income
#359 of 903
60th percentile in Florida
Median Gross Rent
#1 of 930
0th percentile in Florida
Median Home Value
#380 of 894
57th percentile in Florida
Poverty Rate
#462 of 930
50th percentile in Florida
Bachelor's Degree or Higher
#427 of 930
54th percentile in Florida
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Florida only, not a livability score. See the methodology for the source and calculation.
Gauge source note
57th percentile nationally for median household income · 66th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
St. Cloud's profile vs. every US city
Income, affordability, and safety percentile
St. Cloud's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How St. Cloud's home value compares nationally
Median home value vs. every US city (population 1,000+)
$324,10032nd percentilemore affordable than 32% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
St. Cloud's home-value-to-income ratio: 4.3×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#11,403 of 15,516
More affordable than 27% of tracked cities (pop. 1,000+)
Size class
#352 of 750
Mid-size cities (50,000–199,999)
At 4.3×, St. Cloud sits in the moderate band:
national rank #11,403 of 15,516 and #352 of 750mid-size cities (50,000–199,999).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$76,196St. Cloud, FL median household income (Census ACS)
Show U.S. national quintile / Lorenz context St. Cloud, FL median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for St. Cloud, FL.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)29.5%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)7.9%
Census ACS S1701, poverty status
Labor force participation (adults 16+)59.2%
Census ACS S2301, share of working-age residents in the labor force
Population
61,963
Median Income
$76,196
Median Home Value
$324,100
Median Age
36.6
Poverty Rate
7.9%
Labor force participation
59.2%
Bachelor's Degree+
29.5%
Safety & Crime
Total Crime Rate
946.8
per 100,000 residents
Violent Crime
188.5
per 100,000 residents
Property Crime
758.3
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Schools
Total Schools
4
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
St. Cloud's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
59,565 residents
2021
62,279 residents
2022
65,466 residents
2023
68,164 residents
2024
70,885 residents
2025
74,960 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
📈 Rapid Growth
Total Permits (2024)
1,861
housing units authorized
Single-Family
1,543
detached homes
Multifamily
318
apartments & condos
Supply Intensity
30
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
1,246
1,246
0
$413.7M
2020
1,097
1,097
0
$365.3M
2021
1,209
1,209
0
$442.3M
2022
883
883
0
$363.2M
2023
1,131
1,131
0
$467.3M
2024
1,861
1,543
318
$732.4M
Permit volume increased 49% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
75.4%
Carpool
11.2%
Public Transit
0.1%
Walk
0.7%
Work from Home
11.3%
Other
1.3%
Based on 27,526 workers 16 and over.
Monthly Utility Costs
Florida statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Florida at $225 (electricity about $145 , water and sewer about $55 ).
These are Florida statewide averages, not a meter reading for St. Cloud. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Florida's BEA cost-of-living index is 103.4 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around St. Cloud is $1,526/mo. FEMA's National Risk Index, averaged to Florida statewide on PlainCities, rates natural-hazard exposure at 75.7 / 100 (High).
Cost/risk geography note
Cost of living is a Florida statewide BEA average; rent is a county-level HUD Fair Market Rent for the county St. Cloud sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How St. Cloud compares to similar-size Florida cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.