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Learn about the people, housing, costs and businesses in Cloud Lake, Florida
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Cloud Lake.
True all-in cost — P&I, taxes, insurance & utilities for homes in Cloud Lake.
Find and compare lenders active near Cloud Lake.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Cloud Lake.
Seismic risk and earthquake insurance estimates for Cloud Lake.
Wildfire exposure and insurance estimates for Cloud Lake.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Cloud Lake is approximately 6.992% (7.032% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Cloud LakeThe median home value in Cloud Lake is $441k. The median monthly rent is $1,758. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Cloud Lake have increased 27.8% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,249/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $54k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Cloud Lake is $79k/year.
Calculate your buying powerThe largest employment sectors in Cloud Lake are public administration (15%) and retail (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.