Overall
- Terre Haute
- 87.8
- St. Cloud
- 87.6
Diff -0.2 RPP
Terre Haute vs St. Cloud
Cost of living comparison based on BEA Regional Price Parities. St. Cloud is 0.2% less expensive than Terre Haute.
0.2% less expensive
St. Cloud, MN is 0.2% less expensive than Terre Haute, IN on BEA Regional Price Parities (overall RPP 87.6 vs 87.8). A $100,000 salary in Terre Haute buys about the same as $99,812 in St. Cloud; the largest component gap is rents.
- Overall RPP 87.8 (Terre Haute) vs 87.6 (St. Cloud)
- $100k in Terre Haute ≈ $99,812 purchasing power in St. Cloud
- Rents drives the gap (+13.1 RPP points)
RPP parity plate
Pair IN:MN 87.8→87.6
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE IN × 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.
Terre Haute
87.8
Cost Index
St. Cloud
87.6
Cost Index
What This Comparison Actually Tells You
Terre Haute, IN and St. Cloud, MN are a photo finish on overall price level, only 0.2 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Rents creates the largest separation: St. Cloud is 13.1 points higher. But rents and services 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 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 Terre Haute corresponds to $99,812 in St. Cloud.
Category Breakdown
Goods
- Terre Haute
- 94.3
- St. Cloud
- 95.4
Diff +1.1 RPP
Services
- Terre Haute
- 86.6
- St. Cloud
- 88.7
Diff +2.1 RPP
Rents
- Terre Haute
- 51.9
- St. Cloud
- 65.1
Diff +13.1 RPP
| Category | Terre Haute | St. Cloud | Difference |
|---|---|---|---|
| Overall | 87.8 | 87.6 | -0.2 |
| Goods | 94.3 | 95.4 | +1.1 |
| Services | 86.6 | 88.7 | +2.1 |
| Rents | 51.9 | 65.1 | +13.1 |
Visual Comparison
Overall
Terre Haute 87.8
St. Cloud 87.6
Goods
Terre Haute 94.3
St. Cloud 95.4
Services
Terre Haute 86.6
St. Cloud 88.7
Rents
Terre Haute 51.9
St. Cloud 65.1
Vertical line = national average (100)
Salary Equivalents
What a salary in Terre Haute would need to be in St. Cloud for the same purchasing power:
| In Terre Haute | In St. Cloud | Difference |
|---|---|---|
| $50,000 | $49,906 | $-94 |
| $75,000 | $74,859 | $-141 |
| $100,000 | $99,812 | $-188 |
| $150,000 | $149,718 | $-282 |
$ in Terre Haute = in St. Cloud
Same BEA Regional Price Parity ratio as the table above (87.8 → 87.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is St. Cloud more expensive than Terre Haute?
St. Cloud is 0.2% less expensive than Terre Haute. The overall cost index is 87.6 vs 87.8 (national average = 100).
What salary in St. Cloud equals $100K in Terre Haute?
A $100,000 salary in Terre Haute has the same purchasing power as $99,812 in St. Cloud. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Terre Haute and St. Cloud?
Rents in Terre Haute are indexed at 51.9 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.