Overall
- Johnson City
- 87.9
- St. Cloud
- 87.6
Diff -0.3 RPP
Johnson City vs St. Cloud
Cost of living comparison based on BEA Regional Price Parities. St. Cloud is 0.3% less expensive than Johnson City.
0.3% less expensive
St. Cloud, MN is 0.3% less expensive than Johnson City, TN on BEA Regional Price Parities (overall RPP 87.6 vs 87.9). A $100,000 salary in Johnson City buys about the same as $99,663 in St. Cloud; the largest component gap is services.
- Overall RPP 87.9 (Johnson City) vs 87.6 (St. Cloud)
- $100k in Johnson City ≈ $99,663 purchasing power in St. Cloud
- Services drives the gap (+16.7 RPP points)
RPP parity plate
Pair TN:MN 87.9→87.6
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE TN × MN
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
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.
Johnson City
87.9
Cost Index
St. Cloud
87.6
Cost Index
What This Comparison Actually Tells You
Johnson City, TN and St. Cloud, MN are a photo finish on overall price level, only 0.3 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: St. Cloud is 16.7 points higher. But services and rents move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
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.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Johnson City to $99,663 in St. Cloud, but it is not a personal spending weight.
Category Breakdown
Goods
- Johnson City
- 96.2
- St. Cloud
- 95.4
Diff -0.8 RPP
Services
- Johnson City
- 71.9
- St. Cloud
- 88.7
Diff +16.7 RPP
Rents
- Johnson City
- 63.2
- St. Cloud
- 65.1
Diff +1.9 RPP
| Category | Johnson City | St. Cloud | Difference |
|---|---|---|---|
| Overall | 87.9 | 87.6 | -0.3 |
| Goods | 96.2 | 95.4 | -0.8 |
| Services | 71.9 | 88.7 | +16.7 |
| Rents | 63.2 | 65.1 | +1.9 |
Visual Comparison
Overall
Johnson City 87.9
St. Cloud 87.6
Goods
Johnson City 96.2
St. Cloud 95.4
Services
Johnson City 71.9
St. Cloud 88.7
Rents
Johnson City 63.2
St. Cloud 65.1
Vertical line = national average (100)
Salary Equivalents
What a salary in Johnson City would need to be in St. Cloud for the same purchasing power:
| In Johnson City | In St. Cloud | Difference |
|---|---|---|
| $50,000 | $49,832 | $-168 |
| $75,000 | $74,748 | $-252 |
| $100,000 | $99,663 | $-337 |
| $150,000 | $149,495 | $-505 |
$ in Johnson City = in St. Cloud
Same BEA Regional Price Parity ratio as the table above (87.9 → 87.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is St. Cloud more expensive than Johnson City?
St. Cloud is 0.3% less expensive than Johnson City. The overall cost index is 87.6 vs 87.9 (national average = 100).
What salary in St. Cloud equals $100K in Johnson City?
A $100,000 salary in Johnson City has the same purchasing power as $99,663 in St. Cloud. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Johnson City and St. Cloud?
Rents in Johnson City are indexed at 63.2 while St. Cloud is at 65.1 (national average = 100). St. Cloud 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.