Overall
- Boise City
- 98.4
- St. Cloud
- 87.6
Diff -10.8 RPP
Boise City vs St. Cloud
Cost of living comparison based on BEA Regional Price Parities. St. Cloud is 10.9% less expensive than Boise City.
10.9% less expensive
St. Cloud, MN is 10.9% less expensive than Boise City, ID on BEA Regional Price Parities (overall RPP 87.6 vs 98.4). A $100,000 salary in Boise City buys about the same as $89,065 in St. Cloud; the largest component gap is rents.
- Overall RPP 98.4 (Boise City) vs 87.6 (St. Cloud)
- $100k in Boise City ≈ $89,065 purchasing power in St. Cloud
- Rents drives the gap (-40.5 RPP points)
RPP parity plate
Pair ID:MN 98.4→87.6
TIER-GAP · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-SHIFT
- TIER-GAP Clear tier gap
- CROSS-STATE ID × MN
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-SHIFT PP shift
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Category Breakdown
Goods
- Boise City
- 96.2
- St. Cloud
- 95.4
Diff -0.7 RPP
Services
- Boise City
- 70.7
- St. Cloud
- 88.7
Diff +18.0 RPP
Rents
- Boise City
- 105.6
- St. Cloud
- 65.1
Diff -40.5 RPP
| Category | Boise City | St. Cloud | Difference |
|---|---|---|---|
| Overall | 98.4 | 87.6 | -10.8 |
| Goods | 96.2 | 95.4 | -0.7 |
| Services | 70.7 | 88.7 | +18.0 |
| Rents | 105.6 | 65.1 | -40.5 |
Visual Comparison
Overall
Boise City 98.4
St. Cloud 87.6
Goods
Boise City 96.2
St. Cloud 95.4
Services
Boise City 70.7
St. Cloud 88.7
Rents
Boise City 105.6
St. Cloud 65.1
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: St. Cloud is 40.5 points lower. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Boise City, ID and St. Cloud, MN sit in clearly different price tiers, separated by 10.8 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Boise City corresponds to $89,065 in St. Cloud.
Boise City
98.4
Cost Index
St. Cloud
87.6
Cost Index
Salary Equivalents
What a salary in Boise City would need to be in St. Cloud for the same purchasing power:
| In Boise City | In St. Cloud | Difference |
|---|---|---|
| $50,000 | $44,533 | $-5,467 |
| $75,000 | $66,799 | $-8,201 |
| $100,000 | $89,065 | $-10,935 |
| $150,000 | $133,598 | $-16,402 |
$ in Boise City = in St. Cloud
Same BEA Regional Price Parity ratio as the table above (98.4 → 87.6), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Boise City and St. Cloud share 17 published annual releases from 2008 through 2024. Their overall gap widened, moving from 2.1 to 10.8 RPP points. Boise City remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 35.2 points between the first and latest shared releases (5.3 to 40.5 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Boise City RPP | St. Cloud RPP | Relative Gap |
|---|---|---|---|
| 2008 | 95.3 | 97.3 | 2.1 points St. Cloud higher |
| 2012 | 96.7 | 95.2 | 1.5 points Boise City higher |
| 2016 | 93.2 | 93.7 | 0.5 points St. Cloud higher |
| 2020 | 93.6 | 91.5 | 2.2 points Boise City higher |
| 2024 | 98.4 | 87.6 | 10.8 points Boise City higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Frequently Asked Questions
Is St. Cloud more expensive than Boise City?
St. Cloud is 10.9% less expensive than Boise City. The overall cost index is 87.6 vs 98.4 (national average = 100).
What salary in St. Cloud equals $100K in Boise City?
A $100,000 salary in Boise City has the same purchasing power as $89,065 in St. Cloud. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Boise City and St. Cloud?
Rents in Boise City are indexed at 105.6 while St. Cloud is at 65.1 (national average = 100). Boise City has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.