ZIP Code 34772 — St. Cloud city, FL Demographics & Data

ZIP code 34772 covers St. Cloud, FL in Osceola County with a population of about 33,542.

At a glance, the area shows median age of 39.9 (near the U.S. median).

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 34772 is about $86,900 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.3%; unemployment rate near 5.1%; 32.5% of adults with a bachelor’s degree or higher (about 1.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Construction; about 12.2% of workers reporting work-from-home (about 3.0 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 $352,400 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,443 (about 24% above the U.S. median rent ($1,163)), and owner-occupancy near 83.5% (about 18.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34772 in St. Cloud, FL, a household would need roughly $97,000 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 $2,264. That is roughly in line with the local median household income ($86,900). 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 1,501 for ZIP 34772 (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.