St. Cloud, Florida Income Statistics
St. Cloud Wealth Score
The wealth index reflects the overall economic prosperity and financial well-being of an area's residents based on income levels, employment rates, and income inequality metrics.
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C
St. Cloud Below average
Source: Map AI Methodology
Income Statistics Overview
| Metric | St. Cloud | Florida Avg | US Average |
|---|---|---|---|
| Median Household Income | $83,020 | $74,580 | $80,455 |
| Median Personal Income | $48,772 | $52,322 | $60,758 |
| Average Yearly Income Growth | 6.4% | 5.4% | 4.8% |
| Six-Figure Earners | 8.3% | 11.6% | 13.9% |
| $200k+ Households | 6.6% | 11.0% | 13.2% |
The median household income in St. Cloud is about 11% higher than in Florida. Income has been growing faster in St. Cloud (6.4%/yr) than in Florida (5.4%/yr).
About 8% of adults in St. Cloud earn six figures ($100,000 or more) a year, lower than the Florida average of 12%.
Median Household Income 2009–2024 Trend
Median Household Income Over Time
Median household income in St. Cloud, Florida grew by 68.9% from 2009 to 2024, reaching $83,020 in 2024. That's an average of about 6.4% per year.
St. Cloud stayed below the U.S. median household income from 2009 to 2023, starting 3.8% lower, and overtook it in the latest figures (2024), at 3.2% higher.
Income Distribution in St. Cloud
How incomes are spread across brackets, compared with the U.S. Pick a range to count who falls in it.
Households by income, 2024
Income range calculator
About 6,833 households (39.8% of all households) have an income of $100,000 or more.
Across the U.S.: 40.2% of all households.
In 2024, 19.9% of households in St. Cloud had an income under $35,000 and 17.2% had $150,000 or more. Across the U.S., those shares were 21.6% and 22.8%.
Compared with the U.S., St. Cloud has a larger share of households earning $100,000 to $149,999 (22.7% vs 17.4%) and a smaller share earning $200,000 or more (6.6% vs 13.2%).
| Household income | Households | Share | U.S. share |
|---|---|---|---|
| Under $10,000 | 549 | 3.2% | 5.1% |
| $10,000 to $14,999 | 485 | 2.8% | 3.5% |
| $15,000 to $24,999 | 940 | 5.5% | 6.4% |
| $25,000 to $34,999 | 1,442 | 8.4% | 6.7% |
| $35,000 to $49,999 | 1,522 | 8.9% | 10.1% |
| $50,000 to $74,999 | 2,815 | 16.4% | 15.5% |
| $75,000 to $99,999 | 2,567 | 15.0% | 12.6% |
| $100,000 to $149,999 | 3,888 | 22.7% | 17.4% |
| $150,000 to $199,999 | 1,815 | 10.6% | 9.5% |
| $200,000 or more | 1,129 | 6.6% | 13.2% |
Shares are of all 17,153 households, one per occupied home whatever its size. Households with zero or negative income are counted in the lowest bracket. Source: ACS 5-year estimates ending 2024 (table B19001).
Residents 15+ by personal income, 2024
Income range calculator
About 3,442 residents (8.3% of residents aged 15 and over) have a personal income of $100,000 or more.
Across the U.S.: 13.9% of residents aged 15 and over.
That is 9.7% of residents who have any income.
In 2024, 14.7% of St. Cloud residents aged 15 and over reported no personal income, 29.1% had some income but less than $25,000, and 14.6% had $75,000 or more. Across the U.S., those shares were 12.8%, 28.7% and 22.0%.
Compared with the U.S., St. Cloud has a larger share of residents earning $35,000 to $49,999 (15.3% vs 12.6%) and a smaller share earning $100,000 or more (8.3% vs 13.9%).
| Personal income | Residents | Share | U.S. share |
|---|---|---|---|
| No income | 6,128 | 14.7% | 12.8% |
| $1 to $9,999 | 4,536 | 10.9% | 11.2% |
| $10,000 to $14,999 | 2,869 | 6.9% | 7.0% |
| $15,000 to $24,999 | 4,715 | 11.3% | 10.5% |
| $25,000 to $34,999 | 4,495 | 10.8% | 9.5% |
| $35,000 to $49,999 | 6,361 | 15.3% | 12.6% |
| $50,000 to $74,999 | 6,512 | 15.6% | 14.3% |
| $75,000 to $99,999 | 2,644 | 6.3% | 8.2% |
| $100,000 or more | 3,442 | 8.3% | 13.9% |
Shares are of the 41,703 residents aged 15 and over, the only people the Census Bureau asks about income, and include those who reported none. A share of the whole population would count children as people without income, while a share of earners alone would hide the 14.7% with no income; the calculator adds that second share whenever your range leaves out people with no income. Source: ACS 5-year estimates ending 2024 (table B19325).
Income Inequality and the Gender Pay Gap in St. Cloud
| Metric | St. Cloud | Florida Avg | US Average |
|---|---|---|---|
| Gini Coefficient | 0.540 | 0.551 | 0.552 |
| Male Median Income | $54,581 | $60,595 | $69,667 |
| Female Median Income | $50,144 | $50,762 | $56,850 |
| Gender Pay Gap | 8.1% | 16.2% | 18.4% |
The Gini coefficient measures how evenly income is shared between richer and poorer households, from 0 (everyone earns the same) to 1 (one household earns nearly everything). The lower the number, the more equally income is distributed. In St. Cloud, it is 0.540, lower than Florida's 0.551, so income is more evenly distributed here than there, and lower than the US's 0.552, so income is more evenly distributed here than there.
Men's income is about 9% more than women's income in St. Cloud, Florida. Over a 35-year career, a 9% wage gap accumulates to roughly $155,295 in unearned income for female workers in the area.
Income by Sex Over Time
Since 2009, the income gap between men and women in St. Cloud, Florida has narrowed from about 21% to 8% in 2024. Over that period the gap was widest at 23% in 2016, and was narrowest at 7% in 2020. In dollar terms, the gap has narrowed by $4,610 since 2009.
Employment
| Metric | St. Cloud | Florida Avg | US Average |
|---|---|---|---|
| Unemployment Rate | 5.7% | 4.8% | 5.2% |
| Working from Home | 13.4% | 15.7% | 15.0% |
| Commute time (minutes) | 33 | 23 | 22 |
Approximately 1,492 people are unemployed in St. Cloud, Florida.
The average commute time in St. Cloud is 33 minutes, longer than the 23 minutes in Florida.
Unemployment Rate Over Time
Since 2011, the unemployment rate in St. Cloud, Florida has fallen from 12.4% to 5.7% in 2024. Over that period the rate peaked at 14.2% in 2013 and fell as low as 5.1% in 2021.
St. Cloud has been above the U.S. unemployment rate in most years since 2011, but briefly dipped below it in 2021 (0.4 points lower). In 2024 its rate was 0.5 points higher.
St. Cloud, FL Wealth Compared With Nearby Cities
St. Cloud, FL is the 2nd largest of the 4 cities compared here, 52,202 residents against a local median of 37,671. The measure that sets St. Cloud, FL apart most is median household income: $83,020, 18% above the local median of $70,383. That is the better end of the local range on this measure.
The cities themselves spread $30,041 on median household income, so St. Cloud, FL sits at one end of an already wide local range rather than apart from it. St. Cloud, FL has the 2nd highest median household income of the 4 areas compared here.
| Area | Population | Median household income | Income growthAverage yearly change in median household income since 2016. Each year is measured in its own dollars, so this is growth before inflation. | Unemployment | Income inequalityGini coefficient: 0 would mean every household earns the same, 1 that a single household earns everything. The lower the number, the more equally income is shared here. |
|---|---|---|---|---|---|
| St. Cloud, FL | 52,202 | $83,020 #2/4 | 6.4%/yr #2/4 | 5.7% #2/4 | 0.540 #4/4 |
| Buenaventura Lakes, FL | 32,549 | $70,383 | 6.9%/yr | 6.3% | 0.532 |
| Meadow Woods, FL | 37,671 | $85,777 | 6.1%/yr | 4.4% | 0.511 |
| Kissimmee, FL | 71,948 | $55,736 | 4.9%/yr | 7.9% | 0.539 |
Conclusion
Considering all these factors, St. Cloud, Florida has an overall wealth index grade of C, making it about on par with Florida, and about on par with the country as a whole.
Frequently Asked Questions
Common questions about income and wealth in St. Cloud, Florida.
How Rich Is St. Cloud, Florida?
St. Cloud has a wealth index grade of C. The wealth index grades areas from A+ (best) to F- by combining income levels, employment rates, and income inequality; a C grade means residents are close to the U.S. average. The median household income is $83,020, about 11% higher than the Florida average of $74,580.
Are incomes growing in St. Cloud, Florida?
Between 2009 and 2024, the median household income in St. Cloud, Florida rose 69%, from $49,166 to $83,020. Over the same years, income here outpaced Florida as a whole: +69% against +57%.
What was the median household income in St. Cloud in 2023?
In 2023, the median household income in St. Cloud, Florida was $75,245, up 7% from $70,484 in 2022. The Florida median that year was $71,864.
What was the median household income in St. Cloud in 2020?
In 2020, the median household income in St. Cloud, Florida was $59,784. By 2024 it had risen 39% to $83,020.
What is the Gini coefficient in St. Cloud, Florida?
The Gini coefficient in St. Cloud is 0.540. It measures income inequality on a scale from 0 (everyone earns the same) to 1 (one household earns everything). That is lower than the US average of 0.552, so income is distributed more equally than in the country overall.
How has the income gap between men and women changed in St. Cloud, Florida?
Since 2009, the income gap between men and women in St. Cloud, Florida has narrowed from about 21% to 8% in 2024. Over that period the gap was widest at 23% in 2016, and was narrowest at 7% in 2020. In dollar terms, the gap has narrowed by $4,610 since 2009.
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