ZIP 34772

34772 is one of 13 ZIP codes that lie mostly in Osceola County, FL.

Shaded by typical home value, it ranks 4 of the 13 with a value.

3 school locations in 34772: 1 elementary, 1 middle, 1 other.

In alphabetical order: AMERICAN CLASSICAL CHARTER ACADEMY, CREATIVE INSPIRATION JOURNEY SCHOOL OF ST CLOUD, HICKORY TREE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34772 was worth $141,558.

Values peaked at $428,916 in September 2022. The latest reading is −8.2% from that peak.

As of August 2026: $393,717, −3.2% over twelve months.

Start with the typical home: $393,717. Put 20% down and borrow $314,974 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,181 a month in principal and interest.

The median household here earns $86,900 a year, $7,242 a month. So the payment takes 30.1% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.8% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $848.

In December 2020, with rates at 2.68%, it was $954.

By August 2026, at 6.67%, it was $2,026 — +112% since December 2020, while the home's value moved +34%.

Reported values rose +178% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $279,379. So the real change is +41%, not +178%.

34772: +178% since January 2000.

Osceola County: +186% since January 2000.

Florida: +245% since January 2000 — 34772 ran behind it by 67 points.

Against 1,098 Florida ZIP codes, 34772 sits at the 62nd percentile for affordability (price vs local income).

13th for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $2,575 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,289 a month.

Price divided by a year's rent: 14.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 114 a month (Redfin, 3-month rolling data through August 2026). That is 184% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 385. That is 253% of the 2015–2019 level for the same months.

Going out — closed sales: about 84 a month. That is 145% of the 2015–2019 level for the same months. The drain is drawn 43% narrower: the share of homes for sale that sell each month is 57% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.6 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 30 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 84 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 55 — so sales ran at 153% of it, and below it in 0 of the last 24 months.

Across Osceola County, builders pulled permits for 7,366 new homes in 2025.

Of those, 69% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Osceola County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,806 moved in. Among the ten receiving the most, 12,162 moved out.

Net across those counties: +644 households. Beside it, homes for sale in this ZIP: 385 in June 2026.

Most arrivals came from Orange, FL (7,271 households); most departures went to Orange, FL (5,567).