St. Cloud cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexSt. CloudMinnesotaNational
Cost of living index99104100
IndexSt. CloudMinnesotaNational
Goods & Services index112109100
Groceries index116106100
Health care index115110100
Housing index77100100
Transportation index95100100
Utilities index10098100
Displayed above is a general overview of the St. Cloud, MN cost of living index. The overall cost of living index in St. Cloud, MN is 99, which is 5% lower than the Minnesota average and 1% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in St. Cloud, MN are 2% higher than the Minnesota average and 12% higher than the national average.
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Did you know?

  • The cost of living in St. Cloud is 5% lower than the Minnesota average.
  • The cost of living in St. Cloud is 1% lower than the national average.
  • The cost of housing in St. Cloud is 23% lower than the national average.
  • Minnesota general sales tax is 35% higher than the national average.
  • Minnesota state income tax is 141% higher than the national average.

Compare St. Cloud, MN Cost of living To Other Cities

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      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Use the salary calculator to compare your current salary in St. Cloud, MN to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in St. Cloud, MN, then you would need to earn more income in order to maintain the same standard of living. To use the St. Cloud, MN salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      Owners$64,532$5,378$1,506$1,936
      Renters$30,294$2,525$707$909
      If you want to find a good determining factor for the cost of living and the general affordability of housing in St. Cloud, MN, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In St. Cloud, MN, the median monthly income is $64,532 for those who own their own homes. Under the standard rule, that income level would allow for $1,506 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $30,294, per the median income in the area. That would allow for renters to spend up to $707 on monthly rental expenses.

      Minnesota Sales Tax

      StateGeneral Sales TaxWith Max Surtax
      Minnesota6.875%7.875%

      Minnesota Income Tax

      StateIncome Tax (Low)Income Tax (High)
      Minnesota5.35%9.85%
      When considering the overall cost of living expenses in St. Cloud, MN, it's important to take into account the sales tax for Minnesota, as well as the rate for income tax in Minnesota. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Minnesota is 7.875%, and the sales tax in the state of Minnesota is 6.875%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Minnesota starts from 5.35% and goes up to 9.85%.

      Goods & Services

      ItemSt. CloudNational avg.Difference
      Haircut $21.00$17.4920.1%
      Beauty Salon $38.50$38.170.9%
      Toothpaste $2.86$2.3223.2%
      Shampoo $1.29$1.0127.5%
      Movie $10.82$10.720.9%
      Bowling $12.50$13.869.8%

      Groceries

      ItemSt. CloudNational avg.Difference
      Ground Beef $4.39$3.9012.6%
      Fried Chicken $1.94$1.4039.0%
      Milk $2.99$1.9652.4%
      Potatoes $2.91$3.188.6%
      Pizza $11.49$10.3910.5%
      Beer $10.49$9.2313.7%

      Health Care

      ItemSt. CloudNational avg.Difference
      Optometrist $130.67$106.3422.9%
      Doctor $184.50$115.2560.1%
      Dentist $95.00$98.383.4%
      Ibuprofen $10.47$9.2613.1%
      Lipitor $431.22$466.477.6%

      Housing

      ItemSt. CloudNational avg.Difference
      Home Price $144,100.00$184,700.0022.0%
      Avg. Mortgage Payment $979.73$1,273.3223.1%
      Apartment Rent $722.00$949.0023.9%

      Transportation

      ItemSt. CloudNational avg.Difference
      Gasoline $2.52$2.592.9%
      Tire Balancing $45.65$48.906.6%

      Utilities

      ItemSt. CloudNational avg.Difference
      All Electricity$170.63$167.601.8%
      Phone $178.83$163.429.4%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City, StatePopulationCost of Living IndexNational Avg.
      Holdingford, MN61395-5%
      Foley, MN2,65496-4%
      Gilman, MN21697-3%
      Ronneby, MN3297-3%
      Waite Park, MN7,37199-1%
      St. Cloud, MN66,77099-1%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Oshkosh, WI66,71389-11%
      Kissimmee, FL66,84091-9%
      Woodbury, MN66,69912020%
      Davis, CA66,88615656%
      Portland, ME66,64911515%
      St. Cloud, MN66,77099-1%
      Source: The St. Cloud, MN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.