Taxes in St. Cloud, Florida
Complete tax guide for St. Cloud, FL. No state income tax, 0.89% property tax, 7.95% sales tax. Calculate your total tax burden.
State Income Tax
None
Florida
Property Tax
0.89%
Effective rate
Sales Tax
7.95%
Combined rate
Tax Burden
Low
St. Cloud, FL Tax Overview
No state income tax; higher property taxes and sales tax offset
Population
58,511
Median Income
$56,400
Cost of Living
103.6 (100 = avg)
State Income Tax
None
Median Home Price
$427,000
St. Cloud Tax Calculator
Pre-filled with St. Cloud median: $56,400
Total Tax Burden in St. Cloud
$9,044
Take-Home: $47,356 · Effective Rate: 16.04%
Federal Tax
$4,730
8.39% eff.
FL State
$0
0.00% eff.
FICA
$4,315
7.65% eff.
Take-Home
$47,356
83.96% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $56,400.00 | $4,700.00 |
| Federal Income Tax | -$4,729.50 | -$394.13 |
| Florida State Tax | $0.00 | $0.00 |
| Social Security (6.2%) | -$3,496.80 | -$291.40 |
| Medicare (1.45%) | -$817.80 | -$68.15 |
| Take-Home Pay | $47,355.90 | $3,946.33 |
Property Tax in St. Cloud
Median Home
$427,000
Annual Tax
$3,800
Monthly Tax
$317
Effective Rate
0.89%
Sales Tax in St. Cloud
Combined Rate
7.95%
State Portion
~5.5%
Local Portion
~2.5%
The combined sales tax rate in St. Cloud is 7.95%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.95 in sales tax.
Tax Burden Comparison
| Tax Type | St. Cloud | Florida Avg | National Avg |
|---|---|---|---|
| Income Tax | None | None | 4.6% |
| Property Tax | 0.89% | ~0.89% | 1.1% |
| Sales Tax | 7.95% | ~7.95% | 7.12% |
| Overall Burden | Low | — | Moderate |
Tax Saving Tips for St. Cloud Residents
- Florida has no state income tax, meaning your income is only subject to federal taxes and FICA. Consider investing your tax savings into a Roth IRA for tax-free growth.
- Property tax in St. Cloud (0.89%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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Very LowCalculate Your Full Florida Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in St. Cloud, FL?
St. Cloud, Florida has no state income tax. The property tax rate is 0.89% and the combined sales tax rate is 7.95%. No state income tax; higher property taxes and sales tax offset
How much is property tax in St. Cloud?
The effective property tax rate in St. Cloud is 0.89%. On the median home price of $427,000, this equals approximately $3,800 per year or $317 per month. This is below the national average of 1.1%.
What is the sales tax rate in St. Cloud?
The combined sales tax rate in St. Cloud is 7.95%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does St. Cloud's tax burden compare to other cities?
St. Cloud has a low overall tax burden. The effective total tax rate for a median-income household is approximately 24.4%. The absence of state income tax significantly reduces the overall burden. Cost of living index is 103.6 (100 = national average).
Are there any local taxes in St. Cloud?
St. Cloud does not impose a separate local or city income tax. Residents pay no state income tax, federal income tax, and FICA (Social Security and Medicare). No state income tax; higher property taxes and sales tax offset