St. Cloud cost of living
Prices in the St. Cloud, MN metro area run at 87.6 against a national average of 100, ranking it #347 of 387 metros. Rents there sit at 65.1.
What drives the number
Prices in St. Cloud run at 87.6 where the national average is 100, so about 12.4 per cent below the country as a whole. It ranks #347 of 387 metro areas. Against Minnesota as a whole it is 11 points less expensive, which is the unusual direction, and it means the expensive part of the state is somewhere else.
Housing is unusually cheap relative to everything else here. Rents sit at 65.1 against goods at 95.4 and other services at 88.7, so the overall figure of 87.6 understates how affordable the housing itself is. It is the opposite of the usual pattern, where housing is what makes a place expensive. Goods at 95.4 are themselves 4.6 points off national, which is a wide gap for a category that is mostly shipped in.
The number is most useful in reverse: a job here can pay less in cash and still leave a household better off, by roughly 12.4 per cent before anything else is considered.
The vertical line is the national average of 100. Source: U.S. Bureau of Economic Analysis, Regional Price Parities, SARPP, 2024.
What the biggest local jobs are really worth
The same pay buys different amounts in different places, so a salary quoted in St. Cloud is not comparable to one quoted elsewhere until it is divided by the local parity. These are the occupations that employ the most people here, with the quoted median alongside what that median is worth at national prices.
| Occupation | Employed | Median pay | Worth nationally | U.S. median |
|---|---|---|---|---|
| Home Health and Personal Care Aides | 3,100 | $36,850 | $42,066 | $34,900 |
| Registered Nurses | 2,940 | $103,890 | $118,596 | $93,600 |
| Retail Salespersons | 2,910 | $34,540 | $39,429 | $34,580 |
| Cashiers | 2,310 | $30,240 | $34,521 | $31,190 |
| General and Operations Managers | 2,300 | $87,320 | $99,680 | $102,950 |
| Fast Food and Counter Workers | 2,200 | $30,120 | $34,384 | $30,480 |
| Laborers and Freight, Stock, and Material Movers, Hand | 2,190 | $43,580 | $49,749 | $38,940 |
| Office Clerks, General | 2,070 | $45,710 | $52,180 | $43,630 |
Pay from the BLS metro survey, adjusted by dividing by the metro parity of 87.6.
Nearby metro areas
| Metro area | All items | Rents | Rank |
|---|---|---|---|
| Minneapolis-St. Paul-Bloomington | 104.8 | 111.8 | #31 |
| La Crosse-Onalaska | 91.8 | 69.4 | #250 |
| Mankato | 91.0 | 79.9 | #271 |
| Fargo | 90.9 | 81.1 | #273 |
| Rochester | 90.8 | 78.6 | #276 |
| Sioux Falls | 90.6 | 77.6 | #278 |
St. Cloud: common questions
Is St. Cloud expensive?
Prices are 12.4% below the national average, a parity of 87.6 where the country is 100. It ranks #347 of the 387 metro areas BEA measures. Against Minnesota as a whole it is 11 points less expensive.
What salary do you need in St. Cloud?
The median worker there earns $49,820, which buys what $56,872 buys nationally once local prices are taken into account. Comparing a salary offer between cities without this adjustment is comparing nothing useful.
Is housing the reason?
Usually. Rents here are at 65.1 against goods at 95.4. Goods barely vary between American cities because most are shipped and priced nationally; housing varies enormously, and it dominates any cost of living comparison.