St. Cloud, FL is showing cooling conditions based on live Census ACS and macroeconomic data. Median household income is $83,174 with a price-to-income ratio of 4.3x — elevated relative to the national median. ACS median home value—an owner-estimated value, not a live sale or listing price—stands at $356,200, vacancy rate at 7.2%, and 31.6% of residents hold a bachelor's degree or higher. On the macro side, the 30-year mortgage rate is 7.28%, national unemployment is 4.2%, and CPI inflation is running 3.7% YoY. State per-capita income grew 4.6% YoY per BEA data. The Market Score of 53 reflects rate pressure, with stretched affordability and loosening inventory.
Weekly composite Market Score snapshots — not a price chart
Similar housing and demographic profiles — not individual sales
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| Market | Similarity | ACS home value | Median income | Price / income | Vacancy | Market score |
|---|---|---|---|---|---|---|
| Charlotte, NC | 89% | $385,700 | $82,068 | 4.7x | 7.6% | 55 |
| Phoenix, AZ | 87% | $420,700 | $81,332 | 5.2x | 6.5% | 52 |
| Dallas, TX | 86% | $320,700 | $70,518 | 4.5x | 9.5% | 52 |
| Raleigh, NC | 85% | $415,800 | $85,395 | 4.9x | 9.5% | 56 |
Owner-estimated value from the U.S. Census ACS; not a live sale or listing price. Similarity also uses household income, affordability, vacancy, owner occupancy, and education metrics. Market scores use the existing ACS, FRED, BEA, and Metro Analytics model inputs.
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Market Score narrative bands are not ML forecasts. Read the methodology.