Homes for Sale Under 400K in St Cloud, FL

426 Homes for Sale

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St Cloud, FL Housing Market Overview

St. Cloud is a balanced market, giving buyers and sellers room to negotiate. With 5 months of supply and homes averaging 70 days on the market, you can make decisions without the pressure of a highly competitive market.

Status

Balanced Market

Days on Market

70

Inventory

503

Median Home Price

$395,000Up 0.00%

In Mar 2026 · YoY

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
503 Down 0.10%
Newly Listed Homes
160 Down 0.23%
Months of Supply
5 Up 0.60%

Housing Demand

Homes Sold
101 Down 0.00%
Sale-to-List Ratio
97.9% Down 0.98%
Homes Sold Above List
9.9% Down 7.56%

30-yr fixed rate 6.23% · Data as of Mar 2026 · Source: Houzeo Research.

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  • mls-img
    Based on information from Stellar MLS® through Oct 8, 2026, 9:00 AM as submitted to and distributed by MLS GRID. All data is obtained from various sources and may not have been verified by the broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers’ personal non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end-user license agreement prescribed by the Member Participant’s applicable MLS, if any, and as amended from time to time. © 2026 Stellar MLS. All Rights Reserved.
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    Based on information from the Southeast Florida Multiple Listing Service (SEFMLS) or from MIAMI Association of REALTORS® through Oct 8, 2026, 9:00 AM. The MLS Data is deemed reliable, but is not guaranteed accurate by MIAMI REALTORS®. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited and may be a violation of federal and state law. Copyright Southeast Florida MLS a/k/a SEFMLS © 2026. All rights reserved.
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    Based on information from the Space Coast MLS through Oct 8, 2026, 9:00 AM. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information provided is deemed reliable but is not guaranteed and should be independently verified. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Space Coast Association of Realtors®. All Rights Reserved.

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