Kissimmee vs St. Cloud FL: Prices, Commutes and Costs, November 2026

Kissimmee is the less expensive of the two Osceola County cities in November 2026, with a median price roughly $15,000 to $34,000 below St. Cloud depending on the source. Redfin's median sale price for the three months ending September 2026 was $349,833 in Kissimmee and $369,434 in St. Cloud. Realtor.com's October 2026 median sold prices were $354,900 and $369,990, and Zillow's home value index, updated September 30, 2026, put the typical home at $355,424 in Kissimmee and $389,582 in St. Cloud. Drive distances to Lake Nona and Orlando International Airport are close to even from both downtowns, while Kissimmee sits closer to Disney and downtown Orlando and has SunRail stations.

St. Cloud homes are selling closer to asking. Redfin's sale-to-list ratio was 98.5% in St. Cloud against 97.2% in Kissimmee for the three months ending September 2026, and 27.6% of St. Cloud homes sold above list price compared with 15.1% in Kissimmee. Redfin's Compete Score, as of October 2026, rated St. Cloud 45 and Kissimmee 35 out of 100, both in the "somewhat competitive" band.

Kissimmee and St. Cloud Price Gap in November 2026

The two cities share a county, a lake system and a stretch of US 192, yet they price differently. Every major aggregator puts St. Cloud higher, and the size of the gap depends on the method each one uses.

• Redfin, three months ending September 2026: Kissimmee $349,833 (up 2.0% year over year), St. Cloud $369,434 (down 2.9%). Gap: about $19,600.
• Realtor.com median sold price, October 2026: Kissimmee $354,900, St. Cloud $369,990. Gap: about $15,100.
• Zillow Home Value Index, September 30, 2026: Kissimmee $355,424 (down 2.8%), St. Cloud $389,582 (down 3.2%). Gap: about $34,200.

Price per square foot narrows the comparison. Redfin shows a median of $187 per square foot in Kissimmee and $200 in St. Cloud. Realtor.com's October 2026 listing figures are $204 and $213. On a per-foot basis St. Cloud runs about 4% to 7% higher, in line with the 4% to 10% gap in the headline medians.

Asking prices sit higher than sale prices in both cities. Realtor.com's October 2026 median listing price was $380,000 in Kissimmee, down 5% from a year earlier, and $429,500 in St. Cloud, down 1.7%. Those list prices are where negotiations start, and the sold figures above show where many of them end.

Inventory, Pace and Negotiating Room in Each City

Kissimmee has more homes for sale, and its inventory is shrinking. Realtor.com counted 3,729 active listings in Kissimmee in October 2026, down 7.1% from a year earlier. St. Cloud had 2,362 active listings, up 11.5%. St. Cloud also closed more homes: Redfin recorded 386 sales in St. Cloud in September 2026 against 202 in Kissimmee.

Pace is similar. Zillow's September 2026 data shows homes going pending in about 55 days in Kissimmee and 63 days in St. Cloud, and Redfin's sold-home medians for the three months ending September were in the same two-month range for both cities. Realtor.com's October median for active listings was 93 days in Kissimmee and 79 days in St. Cloud.

Price cuts are common in both. Redfin shows 42.2% of St. Cloud homes and 36.5% of Kissimmee homes with a price drop. For buyers, that means room to ask for closing cost help, repairs or a rate buydown on a home that has already been reduced. For sellers, St. Cloud's higher sale-to-list ratio suggests a well-priced home there can still sell near asking, while Kissimmee sellers typically give up more off list. Realtor.com reported Kissimmee homes selling about 2% below asking in October 2026 and St. Cloud homes selling at roughly 100% of asking.

Commute Distances From Kissimmee and St. Cloud

Downtown Kissimmee and downtown St. Cloud are about 10 miles apart along US 192. That shared corridor means both cities reach the same job centers, with different trade-offs. The distances below are road miles from each historic downtown, calculated with OpenStreetMap routing this month. Travel times change with traffic, toll road choices and where in each city you live, so treat them as a starting point and test the drive at your actual commute hour.

• Lake Nona Medical City: about 14 miles from downtown Kissimmee and 15 miles from downtown St. Cloud.
• Orlando International Airport: about 16.5 miles from Kissimmee and 17.5 miles from St. Cloud.
• Downtown Orlando: about 22 miles from Kissimmee and 28 miles from St. Cloud.
• Walt Disney World's EPCOT area: about 14 miles from Kissimmee and 24 miles from St. Cloud.

Without traffic, routing estimates put downtown Kissimmee about 20 to 31 minutes from Lake Nona, the airport, Disney and downtown Orlando, and downtown St. Cloud about 27 to 39 minutes from the same places. Rush hour on US 192 and the toll roads can add meaningfully to both.

Kissimmee has a transit option St. Cloud lacks. SunRail lists three Osceola County stations, all in Kissimmee: Kissimmee/Amtrak on Pleasant Street downtown, Tupperware on Orange Avenue and Poinciana. Riders can take the line north to Church Street in downtown Orlando. St. Cloud has no SunRail station. Both cities are car-dependent day to day, with Redfin Walk Scores of 30 in Kissimmee and 25 in St. Cloud.

Neighborhoods and Price Points in Kissimmee and St. Cloud

The city median hides a wide spread. Realtor.com's October 2026 neighborhood data shows how much price depends on the pocket you choose. These are median listing prices for active homes, which are asking prices and not closed sales. Realtor.com groups some communities by mailing address, so a few sit outside city limits.

Kissimmee:

• Bellalago: $493,000 median listing price, $182 per square foot. The highest Kissimmee neighborhood median on Realtor.com's list.
• The Oaks: $427,498, $186 per square foot.
• Remington: $397,250, $201 per square foot.
• Reunion: $389,000, $220 per square foot.
• Lake Berkley: $250,000, $191 per square foot, one of the lower entry points on the list.

St. Cloud:

• Bay Lake Ranch: $744,999, $308 per square foot, the high end of the city's neighborhood list.
• Country Meadow: $599,950, $211 per square foot.
• Esprit: $415,000, $199 per square foot.
• Gramercy Farms: $360,000, $206 per square foot.
• Anthem Park: $277,900, $180 per square foot, among the lower asking prices in St. Cloud.

ZIP codes tell a similar story. In St. Cloud, Realtor.com shows a $469,923 median listing price in 34771 and $430,843 in 34772, compared with $299,999 in 34769. In Kissimmee, 34747 lists at $448,450, 34744 at $415,000 and 34741 at $310,000. Buyers who want a lower entry price tend to find it in Kissimmee's 34741 and 34758 or St. Cloud's 34769. Buyers who want newer construction and larger lots look at St. Cloud's 34771 and 34772 or Kissimmee's 34744 and 34747.

Lifestyle differs too. Kissimmee is the county seat, with Lakefront Park on Lake Toho, a historic downtown along Broadway and quick access to the tourism corridor on US 192. St. Cloud sits on the southern shore of East Lake Tohopekaliga, about 10 miles east of downtown Kissimmee by road. It was founded in 1909 as a retirement community for Union Civil War veterans and is still known as the Friendly Soldier City.

Monthly Costs: Payments, Rent, Taxes and Fees

The price gap shows up in the payment, but only modestly. Freddie Mac's survey put the average 30-year fixed rate at 7.18% as of November 5, 2026. With 20% down on Redfin's medians, principal and interest come to about $1,896 a month in Kissimmee and $2,002 in St. Cloud, a difference of roughly $106 a month before taxes, insurance and association fees.

Rents run higher in St. Cloud. Realtor.com's October 2026 median rent was $2,100 in Kissimmee, down 4.6% from a year earlier, and $2,295 in St. Cloud, flat over the year. Kissimmee had 1,691 rentals listed against 538 in St. Cloud, so renters testing the area first have more choice in Kissimmee.

Property taxes depend on the address. Both cities are in Osceola County, and homes inside each city's limits pay a municipal millage on top of county and school rates, while homes with a Kissimmee or St. Cloud mailing address outside city limits generally do not. Use the Osceola County Property Appraiser's records and estimator for the specific parcel. Florida's homestead exemption can lower the taxable value for owner-occupants; our guide to homestead timing for Kissimmee closings covers the January 1 deadline.

Association fees vary more than taxes. Many newer master-planned communities in both cities carry an HOA fee, and some add a Community Development District assessment that appears on the property tax bill. Two homes at the same price can differ by hundreds of dollars a month once those are added. Ask for the HOA budget and the CDD assessment amount and payoff schedule before you write an offer.

Flood exposure is low in both, by Redfin's First Street figures: about 4% of Kissimmee properties and 3% of St. Cloud properties face severe flood risk over the next 30 years. Lakefront and low-lying lots still deserve a flood zone check and an insurance quote before closing.

Kissimmee vs St. Cloud FAQ

Is Kissimmee or St. Cloud cheaper in November 2026?

Kissimmee is cheaper. Redfin's median sale price for the three months ending September 2026 was $349,833 in Kissimmee and $369,434 in St. Cloud. Realtor.com's October 2026 median sold prices were $354,900 and $369,990, and Zillow's September 30, 2026 index put typical values at $355,424 and $389,582.

Which city has the shorter commute to Lake Nona and the airport?

The distances are close. Downtown Kissimmee is about 14 miles from Lake Nona Medical City and 16.5 miles from Orlando International Airport by road, and downtown St. Cloud is about 15 and 17.5 miles. Kissimmee is noticeably closer to Disney and downtown Orlando, and it has SunRail stations.

Do homes sell faster in St. Cloud or Kissimmee?

Pace is similar, with homes taking roughly two months. St. Cloud homes sold closer to asking, with a 98.5% Redfin sale-to-list ratio against 97.2% in Kissimmee for the three months ending September 2026.

Is rent higher in St. Cloud or Kissimmee?

Rent is higher in St. Cloud. Realtor.com's October 2026 median rent was $2,295 in St. Cloud and $2,100 in Kissimmee, and Kissimmee had about three times as many rentals listed.

Do Kissimmee and St. Cloud homes have CDD fees?

Some do. Many newer communities in both cities have HOA fees, and some also carry a Community Development District assessment billed with property taxes. Check the specific community's HOA budget and CDD amount before making an offer.

Sources: Redfin Kissimmee and St. Cloud housing market pages (three months ending September 2026, pages titled as of October 2026, including Compete Score, Walk Score and First Street flood data); Realtor.com Kissimmee and St. Cloud market pages (key indicators as of October 2026); Zillow Home Value Index (updated September 30, 2026); Freddie Mac PMMS (November 5, 2026); SunRail station list; OpenStreetMap routing via OSRM (November 2026).

Contact Bella Trae Realty today to compare specific homes in Kissimmee and St. Cloud side by side, including taxes, HOA and CDD costs for each address.

Rebecca Redman-Hamaoui is the broker and owner of Bella Trae Realty, specializing in residential real estate sales and property management across Winter Garden, Windermere, Clermont, Davenport, and Kissimmee. Contact Bella Trae Realty at bellatraerealty.com for expert guidance.