Census tract · Osceola County
Census Tract 432.03, Osceola County, Florida
Census Tract 432.03, GEOID 12097043203, in Osceola County, Florida, mostly within St. Cloud (90% of its census blocks). 5,024 residents in the ACS 2020-2024 5-year estimates (±563); the 2020 Census counted 5,082.
Residents, 2020-2024
5,024
±563 (90% margin)
2020 Census count: 5,082
Median household income
$53,250
±$14,564 (90% margin)
Osceola County: $72,637
Median home value
$204,100
±$51,682 (90% margin)
Osceola County: $353,300
Median gross rent
$1,796
±$151 (90% margin)
Osceola County: $1,746
Where is Census Tract 432.03?
Census Tract 432.03 is one of 59 census tracts in Osceola County, Florida. It covers 1.56 square miles of land, 3,251 residents per square mile in 2020. Its GEOID, 12097043203, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. Cloud | 90% |
4 census tracts border Census Tract 432.03: Tract 429.04 ($82,004), Tract 432.08 ($76,678), Tract 434 ($61,117) and Tract 436 ($124,107). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 432.03?
The 2020-2024 American Community Survey puts Census Tract 432.03's population at 5,024 (±563) in 1,850 households; the 2020 Census counted 5,082 residents and 2,132 housing units.
| Measure | Tract 432.03 | St. Cloud |
|---|---|---|
| Total population | 5,024 ±563 | 65,130 |
| Households | 1,850 ±192 | 21,164 |
| Average household size | 2.55 ±0.23 | 3.05 |
| Housing units | 2,082 ±173 | 22,807 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 432.03?
The median resident of Census Tract 432.03 is 39.3 years old; 18.5% are under 18 and 21.5% are 65 or older. The largest group is Hispanic or Latino residents (of any race) at 50.5%, then non-Hispanic white residents at 40.3%. 12.3% of residents were born outside the United States.
| Measure | Tract 432.03 | St. Cloud |
|---|---|---|
| Median age | 39.3 ±8.4 | 36.0 |
| Under 18 years | 18.5% ±3.4 pts | 26.5% |
| 65 years and over | 21.5% ±3.8 pts | 12.3% |
| Hispanic or Latino (any race) | 50.5% ±6.8 pts | 52.0% |
| White alone, not Hispanic | 40.3% ±7.1 pts | 36.3% |
| Black or African American alone, not Hispanic | 4.2% ±2.7 pts | 4.8% |
| Asian alone, not Hispanic | 0.9% ±0.8 pts | 1.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.0 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.5% ±0.9 pts | 0.0% |
| Two or more races, not Hispanic | 3.5% ±2.9 pts | 3.6% |
| Some other race alone, not Hispanic | 0.0% ±1.0 pts | 1.8% |
| Born outside the United States | 12.3% ±3.8 pts | 15.7% |
| Speak a language other than English at home (age 5+) | 39.7% ±7.4 pts | 44.4% |
| Civilian veterans (age 18+) | 8.4% ±3.0 pts | 8.0% |
| With a disability | 16.9% ±5.3 pts | 13.9% |
| No health insurance coverage | 8.5% ±4.1 pts | 8.9% |
| High school graduate or higher (age 25+) | 86.0% ±4.3 pts | 92.4% |
| Bachelor's degree or higher (age 25+) | 25.4% ±6.2 pts | 31.6% |
| Graduate or professional degree (age 25+) | 5.6% ±3.2 pts | 8.1% |
| Lived in the same house a year earlier | 82.1% ±5.4 pts | 87.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 432.03 earn?
Half of the 1,850 households in Census Tract 432.03 earn less than $53,250 a year (±$14,564), against $72,637 across Osceola County: 48th highest of the county's 58 tracts with a reliable estimate. 18.0% of residents live below the poverty line.
| Measure | Tract 432.03 | St. Cloud |
|---|---|---|
| Median household income | $53,250 ±$14,564 | $83,174 |
| Mean household income | $69,428 ±$8,466 | $95,578 |
| Per capita income | $26,616 ±$3,196 | $31,724 |
| People below the poverty line | 18.0% ±6.3 pts | 10.1% |
| Children under 18 below the poverty line | 31.2% ±15.2 pts | 13.1% |
| Households receiving SNAP | 23.0% ±7.2 pts | 16.1% |
| Households with a computer | 96.1% ±3.7 pts | 98.7% |
| Households with a broadband subscription | 87.8% ±5.8 pts | 95.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 432.03?
Owners occupy 62.8% of Census Tract 432.03's occupied homes and renters 37.2%. The median owner-occupied home is valued at $204,100 by its owner (±$51,682). The median renter pays $1,796 a month including utilities, and 54.8% of renters pay 35% or more of their income on rent.
| Measure | Tract 432.03 | St. Cloud |
|---|---|---|
| Median home value (owner-occupied) | $204,100 ±$51,682 | $356,200 |
| Median gross rent | $1,796 ±$151 | $1,683 |
| Renters paying 35% or more of income on rent | 54.8% ±14.1 pts | 48.6% |
| Median monthly owner costs, with a mortgage | $1,568 ±$108 | $1,874 |
| Owner-occupied homes | 62.8% ±8.8 pts | 72.5% |
| Renter-occupied homes | 37.2% ±8.8 pts | 27.5% |
| Housing units | 2,082 ±173 | 22,807 |
| Single-family detached homes | 21.8% ±5.8 pts | 71.9% |
| Mobile homes | 34.4% ±7.6 pts | 6.4% |
| Built 2020 or later | 5.9% ±3.9 pts | 8.2% |
| Built 2010 to 2019 | 11.8% ±5.3 pts | 24.4% |
| Built 1939 or earlier | 0.0% ±2.5 pts | 4.3% |
| Households with no vehicle | 4.6% ±3.3 pts | 4.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 432.03 get to work?
74.4% of Census Tract 432.03's workers drive alone and 10.2% work from home. The average trip to work takes 31.9 minutes.
| Measure | Tract 432.03 | St. Cloud |
|---|---|---|
| In the labor force (age 16+) | 50.2% ±6.0 pts | 65.3% |
| Unemployment rate | 2.0% ±2.0 pts | 5.9% |
| Drove alone to work | 74.4% ±8.5 pts | 73.3% |
| Carpooled | 10.0% ±6.3 pts | 11.3% |
| Public transportation | 1.1% ±1.5 pts | 0.1% |
| Walked | 4.3% ±3.5 pts | 0.7% |
| Worked from home | 10.2% ±6.0 pts | 13.4% |
| Mean travel time to work | 31.9 min ±3.5 | 35.9 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 432.03 compare with the other tracts in Osceola County?
Among Osceola County's tracts with a reliable estimate, Census Tract 432.03 ranks as shown below (1 = highest).
| Measure | In Osceola County | In St. Cloud |
|---|---|---|
| Population | 42nd of 59 | 11th of 13 |
| Residents per square mile | 19th of 59 | 4th of 13 |
| Median household income | 48th of 58 | 13th of 13 |
| Per capita income | 41st of 58 | 13th of 13 |
| Median home value | 54th of 57 | 13th of 13 |
| Median gross rent | 29th of 58 | 7th of 12 |
| Poverty rate | 19th of 43 | 2nd of 10 |
| Bachelor's degree or higher | 36th of 59 | 13th of 13 |
| Median age | 21st of 59 | 4th of 13 |
| Owner-occupied share | 34th of 59 | 12th of 13 |
The tracts next to it on Osceola County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 420 | 45th | $57,025±$8,719 · within the margin of this tract |
| Tract 411.01 | 46th | $53,770±$9,392 · within the margin of this tract |
| Tract 418 | 47th | $53,750±$16,736 · within the margin of this tract |
| Tract 432.03 | 48th | $53,250±$14,564 |
| Tract 429.01 | 49th | $50,794±$16,000 · within the margin of this tract |
| Tract 409.03 | 50th | $50,211±$14,959 · within the margin of this tract |
| Tract 427.01 | 51st | $49,013±$8,325 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 432.03?
1 of the 18 figures for Census Tract 432.03 on this page carries a coefficient of variation over 40% and is marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections