Cost Of Living in St. Cloud, MO

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14%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

35%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	St. Cloud	Missouri	National
Cost of living	86	90	100
Groceries	95	96	100
Health care	97	97	100
Housing	65	77	100
Transportation	98	96	100
Utilities	93	95	100
Lifestyle & Entertainment	97	95	100
Household Items	97	97	100
Education & Childcare	92	95	100

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Cost Of Living Quick Facts

The cost of living in St. Cloud is 4% lower than the Missouri average
The cost of living in St. Cloud is 14% lower than the national average
St. Cloud housing is 35% lower than the national average
Missouri general sales tax is 17% lower than the national average
Missouri state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$79,440	$6,620	$1,853	$2,383
Renters	$65,665	$5,472	$1,532	$1,970

Missouri Sales Tax

State	General Sales Tax	With Max Surtax
Missouri	4.225%	10.85%

Missouri Income Tax

State	Income Tax (Low)	Income Tax (High)
Missouri	2%	4.95%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Charmwood, MO	10	96	4.3%
Leasburg, MO	370	79	21.0%
Rosebud, MO	641	82	18.2%
Steelville, MO	1,523	82	17.8%
Bourbon, MO	1,925	84	16.0%
St. Cloud, MO	37	86	13.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Excursion Inlet, AK	37	114	14.2%
Summerhaven, AZ	37	102	1.9%
Proberta, CA	37	118	18.1%
Alfordsville, IN	37	97	2.8%
Sun City, KS	37	79	20.6%
St. Cloud, MO	37	86	13.6%