Overall 0%
Goods & Services 16%
Housing 23%
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The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
IndexSt. CloudMinnesotaNational
Cost of living100103100
Goods & Services116108100
Health care120107100

Key findings

  • The cost of living in St. Cloud is 3% lower than the Minnesota average
  • The cost of living in St. Cloud is equal to the national average
  • St. Cloud housing is 23% lower than the national average
  • Minnesota general sales tax is 35% higher than the national average
  • Minnesota state income tax is 117% higher than the national average

Most Affordable Places to Live in and Around St. Cloud

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Compare St. Cloud, MN Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      A good indicator of the general affordability of housing in St. Cloud, MN, 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, 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

      Minnesota Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemSt. CloudNational avg.Difference
      Haircut $23.17$20.2714.3%
      Beauty Salon $36.64$40.399.3%
      Toothpaste $2.83$2.3620.1%
      Shampoo $1.49$1.0838.7%
      Movie $12.09$10.9910.0%
      Bowling $20.17$15.4930.2%


      ItemSt. CloudNational avg.Difference
      Ground Beef $4.55$4.305.8%
      Fried Chicken $1.88$1.4034.6%
      Milk $2.37$2.207.6%
      Potatoes $3.10$3.223.8%
      Pizza $11.57$10.747.8%
      Beer $9.18$9.604.4%

      Health Care

      ItemSt. CloudNational avg.Difference
      Optometrist $115.79$109.735.5%
      Doctor $196.36$118.3465.9%
      Dentist $103.34$100.942.4%
      Ibuprofen $10.85$9.939.3%
      Lipitor $531.06$469.5313.1%


      ItemSt. CloudNational avg.Difference
      Home Price $144,100.00$184,700.0022.0%
      Avg. Mortgage Payment $1,081.52$1,229.6212.0%
      Apartment Rent $722.00$949.0023.9%


      ItemSt. CloudNational avg.Difference
      Gasoline $2.59$2.714.6%
      Tire Balancing $56.28$51.868.5%


      ItemSt. CloudNational avg.Difference
      All Electricity$171.41$170.840.3%
      Phone $184.86$187.181.2%
      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

      CityPopulationCost of Living IndexNational Avg.
      Holdingford, MN613963.7%
      Foley, MN2,654972.6%
      Gilman, MN216982.4%
      Ronneby, MN32981.9%
      Waite Park, MN7,3711000.3%
      St. Cloud, MN66,7701000.3%

      Cities with similar population

      CityPopulationCost of Living IndexNational Avg.
      Oshkosh, WI66,713927.6%
      Kissimmee, FL66,840954.8%
      Woodbury, MN66,69911919.2%
      Davis, CA66,88615554.8%
      Palo Alto, CA66,649303203.1%
      St. Cloud, MN66,7701000.3%
      Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.