ZIP Code 34769 — St. Cloud city, FL Demographics & Data

ZIP code 34769 covers St. Cloud, FL in Osceola County with a population of about 29,247.

At a glance, the area shows median age of 36.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 321, 407, 689; U.S. House district FL-9; the ORLANDO - DAYTONA BCH - MELBRN media market.

St. Cloud, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 34769 is about $58,764 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.1%; unemployment rate near 7.2%; 24.0% of adults with a bachelor’s degree or higher (about 9.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Education; about 9.3% of workers reporting work-from-home (about 5.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $271,800 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,196 (about 3% above the U.S. median rent ($1,163)), and owner-occupancy near 65.5% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34769 in St. Cloud, FL, a household would need roughly $75,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,746. That is about 28% above the local median household income ($58,764), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Cloud city, FL as Relatively Moderate (composite score 92.0), which is among the highest nationally. The strongest component scores on US5 are wildfire (94.8) and hurricane (94.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Cloud city, FL show little to no average snow and around 52.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,309 for ZIP 34769 (St. Cloud city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.