Rent to own Homes in St. Cloud, FL

This community of just over 35,000 people is part of the greater Orlando area, but still maintains its own separate identity. Less of a tourist attraction and more of a livable community, St. Cloud is a great destination for those seeking a place to settle down in a town that was once envisioned as a city for retired veterans. Fine restaurants and a variety of housing options add to its livability.

St. Cloud, FL is a great place for affordable rent-to-own homes! With a median household income of over $58,623 and a median rent of $1,193, the St. Cloud, FL rent-to-own market is more affordable than the traditional housing market which has shown tremendous growth across the U.S. and with it, aggressive competition for home purchases. With the current housing shortage trend it can make it harder to become a homeowner, including in St. Cloud, FL. This means higher than average down payments for homes and higher qualification standards for conventional home loans. With a rent-to-own property, tenants are also buyers. You can live in the house for a set amount of time before you purchase it, meaning that you get to know the house, your neighbors, and your community before making the final purchase. This enables you and your family to make the right choice based on both information and experience. Rent-to-own is also a great alternative way to get into a home if you have bad credit or don't have enough saved for a down payment.

Check out St. Cloud, FL rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 176
260 REESE CT
Rent To Own
 
Townhouse/Condo
Saint Cloud, FL 34769
3
2
1380 ft2
2020
266 REESE CT
Rent To Own
 
Townhouse/Condo
Saint Cloud, FL 34769
3
2
1380 ft2
2020
1533 AMHERST LN
Rent To Own
Oak Hollow
Single Family Home
Kissimmee, FL 34744
3
2
1682 ft2
1989
1 CARMONA WAY
Rent To Own
 
Single Family Home
Kissimmee, FL 34758
4
2
1969 ft2
1988
Coventry Ct
Rent To Own
 
Single Family Home
Kissimmee, FL 34758
4
3
2215 ft2
Redwing Ct
Rent To Own
 
Single Family Home
Poinciana, FL 34759
4
2
1820 ft2
7502 BOICE ST
Rent To Own
Sky Lake
Single Family Home
Orlando, FL 32809
4
3
0 ft2
1960
1009 PLATO AVE
Rent To Own
Sky Lake
Single Family Home
Orlando, FL 32809
3
2
0 ft2
1963
9660 DORIS LN
Rent To Own
Vista Park
Townhouse/Condo
Orlando, FL 32829
2
3
1273 ft2
2005
712 GOLFPARK DR
Rent To Own
Celebration
Single Family Home
Kissimmee, FL 34747
5
5
4620 ft2
1999
8820 BAY VILLA CT
Rent To Own
 
Single Family Home
Orlando, FL 32836
4
4
3711 ft2
1985
6285 HALABRIN RD
Rent To Own
 
Single Family Home
Haines City, FL 33844
4
4
4210 ft2
1984
5476 NOKOMIS CIR
Rent To Own
 
Single Family Home
Orlando, FL 32839
4
2
0 ft2
1990
2900 PERSHING AVE
Rent To Own
Conway
Single Family Home
Orlando, FL 32806
3
2
1311 ft2
1958
Hot
1 of 30 313 SALAMANCA RD
Rent To Own
Loughman
Single Family Home
Davenport, FL 33837
3
2
1702 ft2
2015
(Undisclosed Address)
Rent To Own
 
Single Family Home
Orlando, FL 32806
3
2
1953 ft2
7914 SUMMER RIDGE PL
Rent To Own
 
Single Family Home
Orlando, FL 32819
5
4
3903 ft2
1998
1144 Delaney Ave
Rent To Own
Delaney Park
Townhouse/Condo
Orlando, FL 32806
2
2
1500 ft2
1986
1 of 214 530 E Central Blvd
Rent To Own
South Eola
Townhouse/Condo
Orlando, FL 32801
2
2
1304 ft2
1985
414 S CANDLER AVE
Rent To Own
 
Single Family Home
Orlando, FL 32835
3
2
1400 ft2
1985
2730 MIDSUMMER DR
Rent To Own
Lake Butler
Single Family Home
Windermere, FL 34786
4
4
3452 ft2
1984
1613 CUMBIE AVE
Rent To Own
Fairvilla Park
Single Family Home
Orlando, FL 32804
2
1
660 ft2
1957
7401 WISTERIA LN
Rent To Own
 
Single Family Home
Lake Wales, FL 33898
4
3
3800 ft2
1973
311 E MORSE BLVD #8-1
Rent To Own
 
Townhouse/Condo
Winter Park, FL 32789
3
3
2350 ft2
1960
Hot
8026 WOOD SAGE DR
Rent To Own
Village Of Bridgewater
Single Family Home
Winter Garden, FL 34787
3
3
2004 ft2
2017
182 JOCELYN DR
Rent To Own
 
Single Family Home
Davenport, FL 33897
4
2
0 ft2
2005
5321 CYPRESS RESERVE PL
Rent To Own
 
Single Family Home
Winter Park, FL 32792
4
2
2283 ft2
1997
2149 RIDGE DR
Rent To Own
Casselberry
Single Family Home
Winter Park, FL 32792
3
1
1478 ft2
1959
1706 DOREEN AVE
Rent To Own
Ocoee
Single Family Home
Ocoee, FL 34761
2
1
1021 ft2
1961
207 ROBIN RD
Rent To Own
Altamonte Springs
Single Family Home
Altamonte Springs, FL 32701
3
3
2438 ft2
1968
1166 PIEDMONT WEKIWA RD
Rent To Own
Apopka
Single Family Home
Apopka, FL 32703
3
2
1521 ft2
1921
771 DACOMA CT
Rent To Own
Apopka
Townhouse/Condo
Apopka, FL 32703
2
2
1163 ft2
1988
95 LAKEVIEW AVE
Rent To Own
South Lake Village
Single Family Home
Titusville, FL 32796
3
1
932 ft2
1957
(Undisclosed Address)
Rent To Own
Le Barons Of Titusville
Single Family Home
Titusville, FL 32780
3
2
1587 ft2
1 of 23 6517 AUTUMN COVE DR
Rent To Own
Ventura
Single Family Home
Orlando, FL 32822
3
2
1604 ft2
1992
711 MICHIGAN CT #1
Rent to Own Eligible
 
Townhouse/Condo
Saint Cloud, FL 34769
2
1
784 ft2
1972
950 SENECA TRL
Rent to Own Eligible
 
Single Family Home
Saint Cloud, FL 34772
4
2
2466 ft2
2007
3933 BLACKBERRY CIR
Rent to Own Eligible
 
Single Family Home
Saint Cloud, FL 34769
3
2
1587 ft2
1994
New
806 FLORIDA AVE
Rent to Own Eligible
St Cloud
Single Family Home
Saint Cloud, FL 34769
3
1
1108 ft2
1947
212 MINNESOTA AVE
Rent to Own Eligible
St Cloud
Single Family Home
Saint Cloud, FL 34769
2
2
1439 ft2
1977
New
1 of 31 3851 CROSLEY AVE
Rent to Own Eligible
 
Single Family Home
Saint Cloud, FL 34772
3
2
1712 ft2
2005
Hot
3943 ETERNITY CIR
Rent to Own Eligible
 
Single Family Home
Saint Cloud, FL 34772
4
2
1859 ft2
2013
2516 PICKETT AVE
Rent to Own Eligible
 
Single Family Home
Saint Cloud, FL 34772
3
3
2208 ft2
2017
New
903 ILLINOIS AVE
Rent to Own Eligible
St Cloud
Single Family Home
Saint Cloud, FL 34769
2
1
1258 ft2
1989
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Buying a Home in St. Cloud, FL

St. Cloud, FL is seeing rapid growth and St. Cloud, FL's' housing market remains not optimal with an average home price that is 1% above the 2024 national average. St. Cloud, FL is part of Osceola county and taxes are an important factor to consider when purchasing a home whether through rent to own or a traditional purchase. The average tax rate as of 2024 for county Osceola is 0.95% which is below the national average, which is 0.99%.

Median Home Price in St. Cloud, FL

Median Rent in St. Cloud, FL

Rent to own homes offer low monthly payments and flexible terms.

5 Reasons to Love Living in St. Cloud, FL

Time to find great home values! Like much of Florida, this area is still in recovery mode after the 2008 crash. That translates into a serious buyer's market, especially if you're interested in rent to own houses. The median sales price of $185,000 is actually down sharply from last year. Look for bargains in established areas closer to downtown and its historic Main Street, or search the new home developments to the south of Nolte Road.

Aerial yoga! If you haven't tried it, suspension fitness and aerial yoga can be an intriguing way to get a workout, especially as part of a physical rehab program after an injury. Studio Zero G is the world's largest facility offering aerial classes, but if more traditional routines fit your style, try One Sun Yoga and Wellness.

Great restaurants! This is a town with some fun eating options. The Catfish Place on 13th is a local favorite and offers local catfish and gator as specialties. Diane's Creations Tea Room on New York Ave. offers classic English style fare with American influences. After searching rental home opportunities, grab a quick and tasty hot dog at Mutt's on 13th.

Lakefront Property! A good number of the neighborhoods here have some waterfront property, thanks to all the lakes. East Lake Tohopekaliga is the biggest, and is where you will find Lakefront Park. Look for homes to rent with water views and get one at a great value here.

Fun attractions! Sure, the big Florida theme parks are close, but after you've been there and done that, try some of the less conventional draws that St. Cloud has to offer. Check out Reptile World Serpentarium for a nice view of our slithery friends or book a marsh tour to see wildlife close up. Go by traditional boat or try an air boat for a new experience. Another fun diversion is Forever Florida, which offers horseback riding and zip line adventures.