Overall
- St. Cloud
- 87.6
- Jefferson City
- 88.0
Diff +0.3 RPP
St. Cloud vs Jefferson City
Cost of living comparison based on BEA Regional Price Parities. Jefferson City is 0.4% more expensive than St. Cloud.
0.4% more expensive
Jefferson City, MO is 0.4% more expensive than St. Cloud, MN on BEA Regional Price Parities (overall RPP 88.0 vs 87.6). A $100,000 salary in St. Cloud buys about the same as $100,391 in Jefferson City; the largest component gap is services.
- Overall RPP 87.6 (St. Cloud) vs 88.0 (Jefferson City)
- $100k in St. Cloud ≈ $100,391 purchasing power in Jefferson City
- Services drives the gap (-3.2 RPP points)
RPP parity plate
Pair MN:MO 87.6→88.0
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE MN × MO
- 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.
St. Cloud
87.6
Cost Index
Jefferson City
88.0
Cost Index
What This Comparison Actually Tells You
St. Cloud, MN and Jefferson City, MO 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: Jefferson City is 3.2 points lower. But services and rents and goods 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 St. Cloud to $100,391 in Jefferson City, but it is not a personal spending weight.
Category Breakdown
Goods
- St. Cloud
- 95.4
- Jefferson City
- 94.2
Diff -1.2 RPP
Services
- St. Cloud
- 88.7
- Jefferson City
- 85.5
Diff -3.2 RPP
Rents
- St. Cloud
- 65.1
- Jefferson City
- 62.1
Diff -2.9 RPP
| Category | St. Cloud | Jefferson City | Difference |
|---|---|---|---|
| Overall | 87.6 | 88.0 | +0.3 |
| Goods | 95.4 | 94.2 | -1.2 |
| Services | 88.7 | 85.5 | -3.2 |
| Rents | 65.1 | 62.1 | -2.9 |
Visual Comparison
Overall
St. Cloud 87.6
Jefferson City 88.0
Goods
St. Cloud 95.4
Jefferson City 94.2
Services
St. Cloud 88.7
Jefferson City 85.5
Rents
St. Cloud 65.1
Jefferson City 62.1
Vertical line = national average (100)
Salary Equivalents
What a salary in St. Cloud would need to be in Jefferson City for the same purchasing power:
| In St. Cloud | In Jefferson City | Difference |
|---|---|---|
| $50,000 | $50,196 | +$196 |
| $75,000 | $75,294 | +$294 |
| $100,000 | $100,391 | +$391 |
| $150,000 | $150,587 | +$587 |
$ in St. Cloud = in Jefferson City
Same BEA Regional Price Parity ratio as the table above (87.6 → 88.0), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Jefferson City more expensive than St. Cloud?
Jefferson City is 0.4% more expensive than St. Cloud. The overall cost index is 88.0 vs 87.6 (national average = 100).
What salary in Jefferson City equals $100K in St. Cloud?
A $100,000 salary in St. Cloud has the same purchasing power as $100,391 in Jefferson City. This is based on the BEA Regional Price Parity indexes.
How do rents compare between St. Cloud and Jefferson City?
Rents in St. Cloud are indexed at 65.1 while Jefferson City is at 62.1 (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.