Overall
- St. Cloud
- 87.6
- Waterloo-Cedar Falls
- 87.1
Diff -0.6 RPP
St. Cloud vs Waterloo-Cedar Falls
Cost of living comparison based on BEA Regional Price Parities. Waterloo-Cedar Falls is 0.7% less expensive than St. Cloud.
0.7% less expensive
Waterloo-Cedar Falls, IA is 0.7% less expensive than St. Cloud, MN on BEA Regional Price Parities (overall RPP 87.1 vs 87.6). A $100,000 salary in St. Cloud buys about the same as $99,344 in Waterloo-Cedar Falls; the largest component gap is services.
- Overall RPP 87.6 (St. Cloud) vs 87.1 (Waterloo-Cedar Falls)
- $100k in St. Cloud ≈ $99,344 purchasing power in Waterloo-Cedar Falls
- Services drives the gap (-5.0 RPP points)
RPP parity plate
Pair MN:IA 87.6→87.1
PHOTO-FINISH · CROSS-STATE · SERVICES-LED · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE MN × IA
- SERVICES-LED Services-led gap
- 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
Waterloo-Cedar Falls
87.1
Cost Index
What This Comparison Actually Tells You
St. Cloud, MN and Waterloo-Cedar Falls, IA are a photo finish on overall price level, only 0.6 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services leads the difference, with Waterloo-Cedar Falls 5.0 points lower than St. Cloud. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
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 $99,344 in Waterloo-Cedar Falls, but it is not a personal spending weight.
Category Breakdown
Goods
- St. Cloud
- 95.4
- Waterloo-Cedar Falls
- 93.7
Diff -1.7 RPP
Services
- St. Cloud
- 88.7
- Waterloo-Cedar Falls
- 83.7
Diff -5.0 RPP
Rents
- St. Cloud
- 65.1
- Waterloo-Cedar Falls
- 63.1
Diff -1.9 RPP
| Category | St. Cloud | Waterloo-Cedar Falls | Difference |
|---|---|---|---|
| Overall | 87.6 | 87.1 | -0.6 |
| Goods | 95.4 | 93.7 | -1.7 |
| Services | 88.7 | 83.7 | -5.0 |
| Rents | 65.1 | 63.1 | -1.9 |
Visual Comparison
Overall
St. Cloud 87.6
Waterloo-Cedar Falls 87.1
Goods
St. Cloud 95.4
Waterloo-Cedar Falls 93.7
Services
St. Cloud 88.7
Waterloo-Cedar Falls 83.7
Rents
St. Cloud 65.1
Waterloo-Cedar Falls 63.1
Vertical line = national average (100)
Salary Equivalents
What a salary in St. Cloud would need to be in Waterloo-Cedar Falls for the same purchasing power:
| In St. Cloud | In Waterloo-Cedar Falls | Difference |
|---|---|---|
| $50,000 | $49,672 | $-328 |
| $75,000 | $74,508 | $-492 |
| $100,000 | $99,344 | $-656 |
| $150,000 | $149,016 | $-984 |
$ in St. Cloud = in Waterloo-Cedar Falls
Same BEA Regional Price Parity ratio as the table above (87.6 → 87.1), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Waterloo-Cedar Falls more expensive than St. Cloud?
Waterloo-Cedar Falls is 0.7% less expensive than St. Cloud. The overall cost index is 87.1 vs 87.6 (national average = 100).
What salary in Waterloo-Cedar Falls equals $100K in St. Cloud?
A $100,000 salary in St. Cloud has the same purchasing power as $99,344 in Waterloo-Cedar Falls. This is based on the BEA Regional Price Parity indexes.
How do rents compare between St. Cloud and Waterloo-Cedar Falls?
Rents in St. Cloud are indexed at 65.1 while Waterloo-Cedar Falls is at 63.1 (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.