Salary & Cost of Living in St. Cloud, FL
St. Cloud, FL: $48,039 median salary, cost of living index 103.6, $13.00/hr minimum wage. Calculate your take-home pay with our free paycheck calculator.
Median Salary
$48,039
$23/hr
Cost of Living
103.6
US avg = 100
Minimum Wage
$13.00
per hour
Unemployment
3.4%
rate
St. Cloud, FL Overview
Population
58,511
Median Salary
$48,039
Average Salary
$53,804
Avg Commute
20 min
Median Home Price
$427,000
Median Rent
$1,737/mo
Job Growth
+0.7%
Sales Tax
6%
St. Cloud is located in Florida with a population of 58,511. The median household salary is $48,039 per year ($23/hour), which is $11,345 below the national median of $59,384. The average commute time is 20 minutes, and the city has a job growth rate of +0.7%.
St. Cloud Salary by Experience Level (2026)
Wage distribution in St. Cloud, FL based on BLS percentile breakdown of the $48,039 median salary. Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $29,784 | $14.32/hr | 0–2 years |
| Mid-Level (Median) | $48,039 | $23.10/hr | 3–7 years |
| Senior-Level | $68,215 | $32.80/hr | 8–15 years |
| Top 10% (90th Percentile) | $85,509 | $41.12/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) derived from 2024 BLS Occupational Employment and Wage Statistics distribution across all occupations in metro areas. Specific roles vary; see jobs by city for role-specific data.
St. Cloud Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in St. Cloud, FL, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$40,638
$3,386.49/month · $1,562.99/biweekly · Effective Rate: 15.4%
Gross Pay
$48,039
Federal Tax
-$3,726
State Tax
$0
Local Tax
$0
FICA
-$3,675
Net Pay
$40,638
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $4,003.25 | $48,039.00 |
| Federal Income Tax | -$310.52 | -$3,726.18 |
| Florida State Tax (0%) | $0.00 | $0.00 |
| Social Security (6.2%) | -$248.20 | -$2,978.42 |
| Medicare (1.45%) | -$58.05 | -$696.57 |
| Net Take-Home Pay | $3,386.49 | $40,637.84 |
Salary Comparison: St. Cloud vs Other Cities
See how St. Cloud's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| St. Cloud, FL | $48,039 | 103.6 | $46,370 |
| National Average | $59,384 | 100 | $59,384 |
| Williamsport, PA | $48,073 | 94.8 | $50,710 |
| Panama City, FL | $48,003 | 93.3 | $51,450 |
| Golden Gate, FL | $48,076 | 100.5 | $47,837 |
| Decatur, AL | $48,000 | 84 | $57,143 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in St. Cloud
St. Cloud's cost of living index is 103.6 (national average = 100). Living in St. Cloud is 3.5999999999999943% more expensive than the national average.
Median Home Price
$427,000
Median Monthly Rent
$1,737
Annual Rent Cost
$20,844
Your Salary's Purchasing Power
Your $40,638 annual take-home pay in St. Cloud has the purchasing power of approximately $39,226 in an average-cost US area. You would need to earn $49,768 in St. Cloud to match a $48,039 salary in an average-cost city.
Top Industries in St. Cloud
St. Cloud's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $48,039.
Salary Tips for St. Cloud Workers
- No state income tax advantage. Florida has no state income tax, which means more of your paycheck stays in your pocket. Invest the savings in a Roth IRA or 401(k) for long-term growth.
- Research top industries. St. Cloud's top industries include Tourism, Agriculture, Aerospace. Targeting roles in these sectors can help you earn above the $48,039 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
Methodology & Local Economy Data Sources
How we calculate St. Cloud salary data: Our citywide compensation figures aggregate occupation-specific salary data from BLS Occupational Employment and Wage Statistics for the St. Cloud-FL metropolitan statistical area (MSA), weighted by local employment counts. Cost-of-living adjustments use the C2ER Cost of Living Index baseline of 100 (national average), with St. Cloud indexed at 103.6.
- Median salary calculation: weighted average of St. Cloud's occupation-specific medians from BLS OEWS, adjusted for local cost of living. Net result: $48,039 annual median.
- Tax burden reflects Florida state income tax (0%) (no local income tax), sales tax (6%), and federal taxes per IRS 2026 brackets.
- Unemployment rate for St. Cloud: 3.4%, sourced from BLS Local Area Unemployment Statistics (LAUS).
- Top industries: Tourism, Agriculture, Aerospace — based on QCEW employment concentration data.
- Job growth: 0.7% projected through 2034, derived from BLS Employment Projections program for Florida.
- Housing context: median home price $427,000, median rent $1,737/mo, sourced from Census American Community Survey 5-year estimates.
Authoritative US data sources for St. Cloud, FL:
- BLS Occupational Employment and Wage Statistics (OEWS) — metropolitan area salary data
- BLS Local Area Unemployment Statistics — St. Cloud unemployment rate
- U.S. Census Bureau — St. Cloud QuickFacts — population, housing, demographics
- BLS Quarterly Census of Employment and Wages (QCEW) — county-level industry employment
- BLS Economy at a Glance — Florida — state economic indicators
- U.S. Bureau of Economic Analysis (BEA) — local GDP and personal income data
- BLS Consumer Price Index (CPI-U) — regional inflation tracking
Disclaimer: Salary and cost data are estimates for general guidance. Individual compensation varies by employer, experience, education, negotiation, and skills. St. Cloud's rapidly changing economy can shift these baselines — always verify with current job listings, employer offers, and recent Florida labor market reports for the most current figures.
Reviewed by Brazora Monk· Last updated 2026 · BLS & Census data current as of latest releases
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Frequently Asked Questions
What is the median salary in St. Cloud, FL?
The median salary in St. Cloud, FL is $48,039 per year, or $23 per hour. The average salary is $53,804. This is $11,345 below the national median of $59,384.
What is the cost of living in St. Cloud, FL?
St. Cloud's cost of living index is 103.6 (national average = 100), meaning it is 3.5999999999999943% more expensive compared to the national average. The median home price is $427,000 and the median monthly rent is $1,737.
What are the best industries in St. Cloud?
The top industries in St. Cloud, FL include Tourism, Agriculture, Aerospace. The city has a job growth rate of 0.7% and an unemployment rate of 3.4%. Workers in these industries often earn above the city's median salary of $48,039.
How does St. Cloud's salary compare to other cities?
St. Cloud's median salary of $48,039 is 19.1% below the national median of $59,384. However, when adjusted for cost of living (index: 103.6), the real purchasing power is approximately $46,370.
What is the minimum wage in St. Cloud, FL?
The minimum wage in St. Cloud, FL is $13.00 per hour. This equals approximately $27,040 per year for a full-time worker (40 hours/week). This is $5.75 above the federal minimum wage of $7.25/hour.