Cost Of Living in St. Stephen, MN

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A+

3%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

10%

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. Stephen	Minnesota	National
Cost of living	97	100	100
Groceries	100	100	100
Health care	99	100	100
Housing	90	100	100
Transportation	100	100	100
Utilities	106	104	100
Lifestyle & Entertainment	101	100	100
Household Items	102	100	100
Education & Childcare	99	99	100

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Homes For Sale In St. Stephen, MN

L1B5 East Crest LOOP

St Stephen, MN

1 2nd Ave NE

St Stephen, MN

Lot 5

Block 3 1st St NE, St

Lot 9

Block 3 1st St NE, St

Cost Of Living Quick Facts

The cost of living in St. Stephen is 3% lower than the Minnesota average
The cost of living in St. Stephen is 3% lower than the national average
St. Stephen housing is 10% lower than the national average
Minnesota general sales tax is 35% higher than the national average
Minnesota state income tax is 106% higher 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	$124,885	$10,407	$2,914	$3,747
Renters	$103,679	$8,640	$2,419	$3,111

Minnesota Sales Tax

State	General Sales Tax	With Max Surtax
Minnesota	6.875%	7.875%

Minnesota Income Tax

State	Income Tax (Low)	Income Tax (High)
Minnesota	5.35%	9.85%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Elmdale, MN	163	101	0.6%
Bowlus, MN	299	91	9.0%
Upsala, MN	491	93	7.2%
Holdingford, MN	690	93	7.1%
Albany, MN	2,803	93	6.6%
St. Stephen, MN	882	97	2.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Greers Ferry, AR	882	90	9.8%
Jupiter Island, FL	882	399	299.4%
Exira, IA	882	79	20.6%
Nickerson, KS	882	82	17.8%
Burgin, KY	882	87	12.5%
St. Stephen, MN	882	97	2.6%