PlainZIP

Saint Cloud, FL · standard

ZIP Code 34772

Osceola County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

22,770
91/sq mi
$97,868
Median income
$390,900
Median home value
32.7%
Bachelor's or higher

The verdict

Saint Cloud pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 20%
household income, US ZIPs
Top 22%
home value, US ZIPs
91
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34772 against every reporting US ZIP.

ZIP code 34772 is classified by USPS as a standard delivery area and covers roughly 250.5 square miles in Saint Cloud, Osceola County, Florida. The area is home to 22,770 residents, producing a population density of 91 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 34772 against Florida and the nation.

On the economic side, the median household income for ZIP 34772 sits at $97,868 (27% above the Florida average), while per-capita income is $35,415. The poverty rate stands at 6.2% and the unemployment rate at 4.5%. On housing, the median home value is $390,900 (4% above the state average) with median rent at $2,016 per month, and 82.8% of occupied units are owner-occupied, a direct signal of whether 34772 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 32.7% of adults hold a bachelor's degree or higher, the median age is 40.3, and the average commute is 39 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Osceola County, so you can benchmark 34772 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 34772

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 34772.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 34772, Saint Cloud, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

22,770

Population

250.5

Area (sq mi)

91

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 34772?

40.3

Median Age

50.5%

Male

49.5%

Female

20.1%

Foreign-Born

White 46.8%
African American 6.4%
Asian 2.1%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 25.0%
Hispanic or Latino 48.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$97,868

Median Household Income

+27% vs state

$35,415

Per Capita Income

6.2%

Poverty Rate

4.5%

Unemployment Rate

39.3 min

Mean Commute Time

How ZIP 34772 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$97,868 Top 20% higher than 80% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. 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 · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 59.0%
Bachelor's Degree or Higher 32.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,439

Total Housing Units

11,784

Occupied Units

655

Vacant Units

2.99

Avg Household Size

Occupancy Type

Owner 82.8%
Renter 17.2%

$390,900

Median Home Value

+4% vs state

$2,016

Median Rent

2007

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+7.4%

YoY Change (2024)

328

HPI Index (2000 = 100)

+228%

Total Change Since 2000

Home values in ZIP 34772 have increased 7.4% over the past year (2024). Since 2000, this ZIP has seen +228% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 217
2021 +13.4% 246
2022 +24.2% 305
2023 +0.2% 306
2024 +7.4% 328

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 458 business establishments in ZIP 34772, employing approximately 2,669 people with a combined annual payroll of $99,970,000.

458

Businesses

2,669

Employees

$100.0M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 132 28.8%
Administrative and support and waste management and remediation services 51 11.1%
Other services (except public administration) 41 8.9%
Professional, scientific, and technical services 37 8.1%
Retail trade 33 7.2%
Transportation and warehousing 33 7.2%
Real estate and rental and leasing 33 7.2%
Health care and social assistance 26 5.7%
Accommodation and food services 20 4.4%
Manufacturing 13 2.8%
Finance and insurance 13 2.8%
Wholesale trade 9 2.0%
Arts, entertainment, and recreation 7 1.5%
Information 5 1.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 34772 vs 34769 →

ZIP 34772 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 34772 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 34772 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 34772 ranks the highest of 4 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
34769 Saint Cloud, FL 21,399 5.8 mi
34744 Kissimmee, FL 44,142 10.3 mi
34771 Saint Cloud, FL 14,280 10.1 mi

More ZIP Codes in Osceola County

34744 standard
Kissimmee, FL
Pop: 44,142
34741 standard
Kissimmee, FL
Pop: 40,828
34746 standard
Kissimmee, FL
Pop: 35,022
34743 standard
Kissimmee, FL
Pop: 33,632
34758 standard
Kissimmee, FL
Pop: 30,879
34769 standard
Saint Cloud, FL
Pop: 21,399

Related Areas

Osceola County Saint Cloud, FL Florida

Frequently Asked Questions

What county is ZIP code 34772 in? ▼
ZIP code 34772 (Saint Cloud) is located in Osceola County, Florida. Osceola County contains multiple ZIP codes, see the full list at /counties/osceola-fl.
What is the population of ZIP code 34772? ▼
ZIP code 34772 in Saint Cloud, FL has a population of 22,770 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34772? ▼
The median household income in ZIP 34772 is $97,868, which is 28% above the national average of $76,288.
What is the average home value in ZIP 34772? ▼
The median home value in ZIP 34772 is $390,900, which is 41% above the national average of $278,155.
What is the demographic makeup of ZIP 34772? ▼
The largest racial group in ZIP 34772 is White at 46.8%. Hispanic or Latino residents make up 48.3% of the population.
How many businesses are in ZIP code 34772? ▼
ZIP code 34772 has 458 business establishments employing approximately 2,669 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34772? ▼
The top industries by establishment count in ZIP 34772 are: Construction (132), Administrative and support and waste management and remediation services (51), Other services (except public administration) (41). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 34772? ▼
According to the FHFA House Price Index, home values in ZIP 34772 increased by 7.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 228%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 34772? ▼
In ZIP code 34772, 59.0% of residents aged 25+ have a high school diploma or higher, and 32.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 34772? ▼
The mean commute time for workers in ZIP code 34772 is 39.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 34772? ▼
In ZIP code 34772, approximately 82.8% of occupied housing units are owner-occupied and 17.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34772? ▼
The poverty rate in ZIP code 34772 is 6.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Saint Cloud, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.