St. Cloud, Florida rent by ZIP (HUD Small Area FMRs, FY2027)
HUD's FY2027 Small Area Fair Market Rent for a 2-bedroom in St. Cloud is $2,040 a month, the median of its 3 ZIP codes (HUD, effective Oct 1, 2026; verified Oct 22, 2026). Its ZIP codes range from $1,650 (34769) to $2,260 (34772).
Last updated Oct 22, 2026 · Last verified Oct 22, 2026
Data: HUD FY2027 (effective Oct 1, 2026)
How much is rent for a 2-bedroom in St. Cloud?
HUD's FY2027 Small Area Fair Market Rent for a 2-bedroom in St. Cloud, Florida is $2,040 a month, including utilities (median of 3 ZIP codes: 34769, 34771, 34772).
| Unit size | FY2027 rent | FY2026 rent | Change |
|---|---|---|---|
| Studio (0-bedroom) | $1,730 | $1,700 | +$30 (+1.8%) |
| 1-bedroom | $1,800 | $1,780 | +$20 (+1.1%) |
| 2-bedroom | $2,040 | $2,030 | +$10 (+0.5%) |
| 3-bedroom | $2,550 | $2,550 | $0 (+0.0%) |
| 4-bedroom | $2,970 | $3,010 | −$40 (-1.3%) |
What is rent by ZIP code in St. Cloud?
HUD sets a separate Small Area FMR for each ZIP code. Its ZIP codes range from $1,650 (34769) to $2,260 (34772).
| ZIP | Studio | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| 34769 | $1,400 | $1,450 | $1,650 | $2,060 | $2,410 |
| 34771 | $1,730 | $1,800 | $2,040 | $2,550 | $2,970 |
| 34772 | $1,910 | $1,990 | $2,260 | $2,820 | $3,290 |
Is rent in St. Cloud higher than in Osceola County overall?
St. Cloud's 2-bedroom figure is $81 above Osceola County's FY2027 Fair Market Rent of $1,959.
How does St. Cloud compare with Osceola County?
St. Cloud's figures are HUD Small Area FMRs; the county column is HUD's countywide Fair Market Rent.
| Unit size | St. Cloud | Osceola County | Difference |
|---|---|---|---|
| Studio (0-bedroom) | $1,730 | $1,658 | +$72 |
| 1-bedroom | $1,800 | $1,726 | +$74 |
| 2-bedroom | $2,040 | $1,959 | +$81 |
| 3-bedroom | $2,550 | $2,445 | +$105 |
| 4-bedroom | $2,970 | $2,856 | +$114 |
Compare St. Cloud with another place →
What is a Small Area Fair Market Rent?
A Small Area Fair Market Rent (SAFMR) is the same estimate calculated for a single ZIP code, so it shows how rents differ inside a metro area.
Osceola County rent → · More about Osceola County →
Sources
- HUD FY2027 Small Area Fair Market Rents data file (effective Oct 1, 2026) (verified Oct 22, 2026)
- Federal Register notice of FY2027 FMRs (91 FR 56156): effective October 1, 2026 (verified Oct 22, 2026)
- HUD: FY2027 FMR reevaluation requests (no Florida areas listed) (verified Oct 22, 2026)
- HUD FY2027 Fair Market Rents, county-level data file (effective Oct 1, 2026) (verified Oct 22, 2026)
- HUD USER: Fair Market Rents (definitions and documentation) (verified Oct 22, 2026)
- HUD FY2026 Small Area FMRs data file (revised; prior-year column) (verified Oct 22, 2026)
- Census 2020 ZCTA-to-place relationship file (verified Oct 22, 2026)
Last updated: Oct 22, 2026 · Next review: Jan 15, 2027 · Download CSV (county FMRs) · Download CSV (ZIP and city SAFMRs) · Methodology