Overall
- St. Cloud
- 87.6
- Watertown-Fort Drum
- 87.7
Diff +0.1 RPP
St. Cloud vs Watertown-Fort Drum
Cost of living comparison based on BEA Regional Price Parities. Watertown-Fort Drum is 0.1% more expensive than St. Cloud.
0.1% more expensive
Watertown-Fort Drum, NY is 0.1% more expensive than St. Cloud, MN on BEA Regional Price Parities (overall RPP 87.7 vs 87.6). A $100,000 salary in St. Cloud buys about the same as $100,066 in Watertown-Fort Drum; the largest component gap is services.
- Overall RPP 87.6 (St. Cloud) vs 87.7 (Watertown-Fort Drum)
- $100k in St. Cloud ≈ $100,066 purchasing power in Watertown-Fort Drum
- Services drives the gap (+43.5 RPP points)
RPP parity plate
Pair MN:NY 87.6→87.7
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE MN × NY
- 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
Watertown-Fort Drum
87.7
Cost Index
What This Comparison Actually Tells You
St. Cloud, MN and Watertown-Fort Drum, NY are a photo finish on overall price level, only 0.1 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Watertown-Fort Drum is 43.5 points higher. But 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 St. Cloud to $100,066 in Watertown-Fort Drum, but it is not a personal spending weight.
Category Breakdown
Goods
- St. Cloud
- 95.4
- Watertown-Fort Drum
- 99.7
Diff +4.3 RPP
Services
- St. Cloud
- 88.7
- Watertown-Fort Drum
- 132.2
Diff +43.5 RPP
Rents
- St. Cloud
- 65.1
- Watertown-Fort Drum
- 53.2
Diff -11.9 RPP
| Category | St. Cloud | Watertown-Fort Drum | Difference |
|---|---|---|---|
| Overall | 87.6 | 87.7 | +0.1 |
| Goods | 95.4 | 99.7 | +4.3 |
| Services | 88.7 | 132.2 | +43.5 |
| Rents | 65.1 | 53.2 | -11.9 |
Visual Comparison
Overall
St. Cloud 87.6
Watertown-Fort Drum 87.7
Goods
St. Cloud 95.4
Watertown-Fort Drum 99.7
Services
St. Cloud 88.7
Watertown-Fort Drum 132.2
Rents
St. Cloud 65.1
Watertown-Fort Drum 53.2
Vertical line = national average (100)
Salary Equivalents
What a salary in St. Cloud would need to be in Watertown-Fort Drum for the same purchasing power:
| In St. Cloud | In Watertown-Fort Drum | Difference |
|---|---|---|
| $50,000 | $50,033 | +$33 |
| $75,000 | $75,050 | +$50 |
| $100,000 | $100,066 | +$66 |
| $150,000 | $150,099 | +$99 |
$ in St. Cloud = in Watertown-Fort Drum
Same BEA Regional Price Parity ratio as the table above (87.6 → 87.7), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Watertown-Fort Drum more expensive than St. Cloud?
Watertown-Fort Drum is 0.1% more expensive than St. Cloud. The overall cost index is 87.7 vs 87.6 (national average = 100).
What salary in Watertown-Fort Drum equals $100K in St. Cloud?
A $100,000 salary in St. Cloud has the same purchasing power as $100,066 in Watertown-Fort Drum. This is based on the BEA Regional Price Parity indexes.
How do rents compare between St. Cloud and Watertown-Fort Drum?
Rents in St. Cloud are indexed at 65.1 while Watertown-Fort Drum is at 53.2 (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.