Investor market data · Florida

Saint Cloud, FL Rental Market for Investors

An estimated 16% of Saint Cloud's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

See what pencils →Run a DSCR

$439,900Median list price1,189 active listings

$36,929Median STR revenue / yrprojected, gross

Homes in Saint Cloud that pencil right now

A sample of active Saint Cloud listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

$250,000DSCR 1.92
4 bed · 2 bath · 1,248 sqft
House in 34769 · built 1998
STR revenue
$44,168/yr
Est. interest-only payment
$1,533/mo
On the market 10 days · Listed by EXP REALTY LLC
Scout this home & market: 4-bed house in Saint Cloud
$274,900DSCR 1.39
4 bed · 2 bath · 1,542 sqft
House in 34769 · built 1908
STR revenue
$40,511/yr
Est. interest-only payment
$1,937/mo
On the market 30 days · Listed by MERIDIAN RESIDE
Scout this home & market: 4-bed house in Saint Cloud
$285,000DSCR 1.61
4 bed · 2 bath · 1,558 sqft
House in 34769 · built 1936
STR revenue
$43,863/yr
Est. interest-only payment
$1,816/mo
On the market 152 days · Listed by Opendoor Brokerage, LLC
Scout this home & market: 4-bed house in Saint Cloud
$309,900DSCR 1.32
3 bed · 2 bath · 1,604 sqft
House in 34769 · built 1930
STR revenue
$40,582/yr
Est. interest-only payment
$2,057/mo
On the market 123 days · Listed by Real Broker, LLC
Scout this home & market: 3-bed house in Saint Cloud

Ask about Saint Cloud deals →Run any address yourself

As of August 2026, we analyzed 1,189 active for-sale homes in Saint Cloud, Florida. The typical listing is priced at $439,900 and is projected to generate about $36,929 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 16.1% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Saint Cloud #191 of 200 for cash-flow potential.

On market momentum: homes in Saint Cloud sit a median of 68 days on the market, and 23% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Saint Cloud runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.

What actually works in Saint Cloud

Cash-flow is the exception rather than the rule in Saint Cloud right now: 42 of the 1,057 Saint Cloud homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $396,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	2 bed	3 bed	4 bed	5 bed
$250k–$350k	12%0.76	12%0.97	38%1.13	—
$350k–$500k	0%0.53	2%0.78	1%0.88	6%0.95
$500k+	—	0%0.54	0%0.64	0%0.69

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Saint Cloud in full

Active for-sale homes analyzed	1,189
Median list price	$439,900
Median projected STR revenue (annual, gross)	$36,929
Median average daily rate (ADR)	$170
Median occupancy	58%
Median beds	4
Median size	2,047 sqft
Estimated cash-flow-positive share	16.1%
Median days on market	68 days
New listings (last 30 days)	23.0% of active