St Cloud, FL vs. Kissimmee, FL: Cost of Living Comparison (2025)
Many people assume Kissimmee is more affordable than St Cloud due to its proximity to Orlando. But is that really true? This article provides a detailed cost of living comparison between St Cloud and Kissimmee. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real cost of living in St Cloud vs Kissimmee in 2025. All income figures are expressed in gross monthly income (pre-tax).
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how typical rent and mortgage costs compare:
| Housing Type | St Cloud | Kissimmee |
|---|---|---|
| 2BR Apartment (Rent) | $1,450 | $1,600 |
| 3BR House (Mortgage) | $1,850 | $2,100 |
🏆 Winner: St Cloud. Housing costs an average of $200 less per month in St Cloud compared to Kissimmee.
Utilities and Energy Costs
Utility bills are another major monthly expense. In St Cloud and Kissimmee, expect to pay around:
- Electricity: $120-180/month
- Water/Sewer: $60-90/month
- Natural Gas: $30-50/month
Both cities have similar climates, so seasonal usage doesn’t vary much. Kissimmee residents can take advantage of off-peak electric plans to save.
🏆 Winner: Tie. Utility costs are nearly identical in both cities. The ability to optimize your electric plan gives Kissimmee a slight edge.
Groceries and Daily Expenses
Grocery prices and everyday costs like gas and dining out are comparable between St Cloud and Kissimmee. Expect to spend around $400-500/month per person on groceries and household items.
🏆 Winner: Tie. There are no significant cost differences for groceries and daily expenses.
Taxes and Fees
Property tax rates are slightly lower in St Cloud at 0.83% vs 0.97% in Kissimmee. However, many Kissimmee neighborhoods have lower HOA fees, which can offset the tax difference.
🏆 Winner: Tie. Lower property taxes in St Cloud are balanced out by Kissimmee’s more affordable HOA fees.
Cost of Living Summary
| Expense | St Cloud | Kissimmee |
|---|---|---|
| Housing | $1,450 – $1,850 | $1,600 – $2,100 |
| Utilities | $210 – $320 | $210 – $320 |
| Groceries | $400 – $500 | $400 – $500 |
| Transportation | $60 – $100 | $50 – $80 |
| Taxes & Fees | 0.83% property tax | 0.97% property tax |
| Est. Monthly Total | $2,120 – $2,770 | $2,260 – $3,000 |
Lifestyle Fit
While St Cloud offers more affordable housing, Kissimmee has advantages like:
- More public transit options
- Shorter average commute times
- Closer proximity to Orlando attractions
St Cloud tends to be quieter with larger lot sizes. Kissimmee averages 2°F warmer than St Cloud in the summer months.
Frequently Asked Questions
Is St Cloud more affordable than Kissimmee?
Yes, St Cloud has a lower overall cost of living, primarily due to cheaper housing. A household moving from Kissimmee to St Cloud might save $200/month on housing alone.
Which city has lower rent?
St Cloud has lower average rent prices. A typical 2-bedroom apartment costs $150 less per month compared to Kissimmee.
Where is it cheaper to buy a home?
St Cloud has lower median home prices and slightly lower property tax rates, making it more affordable for homebuyers. Use this guide to calculate how much home you can afford in St Cloud.
Conclusion
While both cities offer a high quality of life, St Cloud comes out ahead on affordability. It’s ideal for families looking for more space on a budget. However, Kissimmee can be a great fit for commuters or those who prefer a more suburban feel while staying close to Orlando.
Ultimately, the right choice depends on your lifestyle and budget priorities. For a full breakdown of expenses, read our St Cloud cost of living guide.