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 Moderate-density area
- $97,868
- Median income Above-median income area
- $390,900
- Median home value Above-median home value
- 32.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 34772 (Saint Cloud, FL) rose +7.4% from 2023 to 2024. The all-transactions index moved from 305.7 in 2023 to 328.4 in 2024 (2000 = 100).
ZIP code 34772 is a densely settled ZIP (a standard USPS delivery area) in Saint Cloud, Osceola County, Florida, with 22,770 residents across 250.5 square miles, a density of 91 people per square mile, in the New York time zone.
ZIP 34772 lands in the middle-income range, with a median household income of $97,868 (27% above the average Florida ZIP), while per-capita income is $35,415. The poverty rate is 6.2%, with unemployment at 4.5%; those measures add context to the income figure. Median home value is $390,900 (4% above the average Florida ZIP) and median rent is $2,016; 82.8% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 32.7% of adults hold a bachelor's degree or higher, the median age is 40.3, and the average commute is 39 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Osceola County, so 34772 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 34772
Top 5 sectors by establishment count in Saint Cloud, FL
Which industries have the most business establishments in ZIP 34772.
- Construction
Construction
132 establishments
- Administrative and support and waste management and remediation services 51
Administrative and support and waste management and remediation services
51 establishments
- Other services (except public administration) 41
Other services (except public administration)
41 establishments
- Professional, scientific, and technical services 37
Professional, scientific, and technical services
37 establishments
- Retail trade 33
Retail trade
33 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 34772?
40.3
Median Age
50.5%
Male
49.5%
Female
20.1%
Foreign-Born
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 ZIP avg
$35,415
Per Capita Income
6.2%
Poverty Rate
4.5%
Unemployment Rate
39.3 min
Mean Commute Time
How ZIP 34772 ranks among Florida ZIPs
Saint Cloud, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$97,868 Top 18% higher than 82% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
12,439housing units
12,439
Total Housing Units
11,784
Occupied Units
655
Vacant Units
2.99
Avg Household Size
Occupancy Type
$390,900
Median Home Value
+4% vs state ZIP avg
$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.
- 34744
Kissimmee (34744)
44,142 residents
- 34772
Saint Cloud (34772)
22,770 residents
- 34769
Saint Cloud (34769)
21,399 residents
- 34771 14,280
Saint Cloud (34771)
14,280 residents
What this shows Among its immediate neighbors, ZIP 34772 ranks #2 by population - useful context the national average alone can't give.
ZIP 34772 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34772
Saint Cloud (34772)
$97,868 median income
- 34771
Saint Cloud (34771)
$97,415 median income
- 34744
Kissimmee (34744)
$74,537 median income
- 34769
Saint Cloud (34769)
$67,148 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 34772, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (22,770 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Osceola County
Related Areas
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.
Related
Take this with you
What to do with ZIP 34772's numbers, next.
- See how ZIP 34772 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Saint Cloud, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.