ZIP Code 34769 — Saint Cloud, FL Home Prices (2026)
The typical home in ZIP 34769 (Saint Cloud, Florida) is worth about $319,000 at roughly $223 per square foot — 19% more affordable than the Saint Cloud median and 9% more expensive than the typical U.S. home.
How 34769 compares
ZIP 34769 is one of the more affordable ZIP codes in Saint Cloud: its typical home value of $319,000 ranks #4 of the 4 Saint Cloud ZIP codes we track (the citywide range runs from $319,000 in 34769 to $437,000 in 34771). Per square foot it costs about $223, against $216 for Saint Cloud as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 34769 | $319,000 | $223 |
| Saint Cloud, FL | $391,500 | $216 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 34769
Using this ZIP’s rate of about $223 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $223,000 |
| 1,500 sq ft | $334,500 |
| 2,000 sq ft | $446,000 |
| 2,500 sq ft | $557,500 |
| 3,000 sq ft | $669,000 |
Salary needed to buy a home in ZIP 34769
To buy the typical $319,000 home in ZIP 34769 with 20% down, you need a household income of roughly $87,000 a year (about $2,030 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $103,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,000 | $2,520/mo | $108,000/yr |
| 10% (+PMI) | $31,900 | $2,410/mo | $103,000/yr |
| 20% | $63,800 | $2,030/mo | $87,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 34769
At about $223 per square foot, here is roughly how much home different budgets get you in ZIP 34769:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 670 sq ft | below the local median — condos, smaller or older homes |
| $200k | 900 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1120 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1350 sq ft | around the typical home here |
| $400k | 1790 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 34769 home.
Estimate a specific home in 34769
The estimator below is pre-set to ZIP 34769 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Saint Cloud ZIP codes by home value
Where 34769 sits among Saint Cloud’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 34771 | $437,000 | $222 |
| 2 | 34772 | $399,000 | $209 |
| 3 | 34773 | $384,000 | $205 |
| 4 | 34769 (this page) | $319,000 | $223 |
ZIP 34769 home prices: frequently asked
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See the full Saint Cloud home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.