Overall
87.6
-12.4 below avg
Metro cost profile · 2024 BEA RPP
St. Cloud, MN
Cost-of-living indicators for St. Cloud, MN, from Bureau of Economic Analysis Regional Price Parities, overall, goods, services, and rents vs the U.S. average of 100.
- 87.6
- Overall RPP
- #347
- of 387 metros
- 65.1
- Rents RPP
- $114K
- $100K national buys
St. Cloud ranks #347 of 387 U.S. metros by cost, and its overall price index has fallen 9.7 points since 2008.
- falling since 2008
- similar cost to Hattiesburg
The verdict
St. Cloud costs less than 90% of U.S. metros, an overall index of 87.6, 12.4% below the national average, with rents the biggest swing at 65.1.
- bottom 10%
- by overall cost, nationwide
- 95.4
- goods RPP, tradable items
- 88.7
- services RPP, labor-priced
- $86K
- local median income, national buying power
A $100,000 national salary carries the purchasing power of about $114,114 here; matching a $100K lifestyle takes roughly $87,632.
What the Numbers Mean for St. Cloud
St. Cloud ranks #347 of 387 U.S. metro areas measured by the Bureau of Economic Analysis, placing it in the bottom quartile for cost. With an overall Regional Price Parity of 87.6, St. Cloud, MN is 12.4% more affordable than the national baseline of 100. The gap between St. Cloud's most and least expensive categories - goods at 95.4 versus rents at 65.1 - is what drives the household budget experience on the ground, not the single headline number.
Translated into dollars, a nationally-benchmarked $100,000 salary carries the purchasing power of $114,114 inside St. Cloud, while a household needs roughly $87,632 here to match a $100K lifestyle elsewhere. Rents carry the biggest swing in the BEA formula and are indexed at 65.1 - 34.9% below the national average, so anyone weighing a move or a remote-work arbitrage should treat the housing line as the single largest variable in the equation.
Looking at the 2008-2024 trajectory, St. Cloud's overall index has fallen by 9.7 points, improving relative affordability. For the 2024 data year, goods are indexed at 95.4 and services at 88.7, meaning everyday spending in St. Cloud is governed more by the services and rent mix than by retail goods prices. Readers comparing multiple destinations should always pair the RPP headline with local wage data and housing costs before drawing relocation conclusions.
St. Cloud vs every U.S. metro
Where this metro sits in the national cost distribution
88 Top 90% higher than 10% of 387 US metros
Each bar is a band; taller bars hold more US metros. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Bureau of Economic Analysis, Regional Price Parities · 2024
St. Cloud cost breakdown
BEA RPP by category, 100 = national average
- Rents
Rents
65.1 RPP
- Services
Services
88.7 RPP
- Overall
Overall
87.6 RPP
- Goods
Goods
95.4 RPP
What this shows St. Cloud's gap from the national average is led by rents at 65.1. Goods barely move between metros; the spread you feel is housing and services.
Goods vs. housing, where St. Cloud's cost comes from
Metros near St. Cloud's overall cost, plotted by their goods price (horizontal) and housing price (vertical). Same headline RPP, very different structures.
Crosshairs sit at the group median (goods 96.3, rents 56.6). St. Cloud is skewed toward housing costs relative to its peer group. Source: U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.
Price Index Summary
Goods
95.4
-4.6 below avg
Services
88.7
-11.3 below avg
Rents
65.1
-34.9 below avg
Salary Equivalent
A $100,000 salary at the national average cost of living equals:
$87,632
in St. Cloud, MN purchasing power
$50,000 nationally
$43,816
$75,000 nationally
$65,724
$125,000 nationally
$109,540
$150,000 nationally
$131,448
$200,000 nationally
$175,264
Use the salary calculator for custom amounts.
RPP History (2008-2024)
The cost of living has been trending downward, decreasing by 9.7 points over this period. The largest single-year move was in 2009, when the index dropped 4.6 points from the year before.
St. Cloud overall RPP, 2008-2024
Every year on record, national average = 100
| Year | Overall |
|---|---|
| 2008 | 97.3 |
| 2009 | 92.7 |
| 2010 | 94.8 |
| 2011 | 93.8 |
| 2012 | 95.2 |
| 2013 | 95.3 |
| 2014 | 94.5 |
| 2015 | 93.4 |
| 2016 | 93.7 |
| 2017 | 90.7 |
| 2018 | 93.0 |
| 2019 | 94.6 |
| 2020 | 91.5 |
| 2021 | 87.5 |
| 2022 | 91.7 |
| 2023 | 89.3 |
| 2024 | 87.6 |
Metros with Similar Cost of Living
These metros have an overall RPP closest to St. Cloud, MN's index of 87.6.
Other MN Metros
What this means for St. Cloud
How to read St. Cloud's cost of living before a move, a job offer, or a budget.
- Budget to local prices, not headline pay, a $100K national salary spends like about $114,114 in St. Cloud. Salary calculator
- Weigh housing heaviest: rents here index at 65.1 (34.9% below average) - the single largest swing in the RPP, while goods barely move between metros.
- Local median household income is $75,670; adjusted for St. Cloud's price level that is about $86,350 in national-average buying power.
- Compare St. Cloud head-to-head against a specific destination before you decide. Compare metros
RPP is BEA's annual price-level benchmark for the data year shown, not a live market quote. Pair it with current local wages and housing costs before deciding.
Compare to Other Metros
Cost of Living Guides
Cheapest Metros to Live in 2026
Official BEA data on the most affordable areas
Most Expensive Cities: 2026 Rankings
What drives high costs and how to cope
Salary Negotiation Using RPP Data
Calculate real purchasing power for negotiations
Comparing Metro Areas
Step-by-step BEA RPP comparison walkthrough
Frequently Asked Questions
What is the cost of living in St. Cloud, MN? ▼
St. Cloud, MN has a Regional Price Parity (RPP) index of 87.6, meaning it is 12.4% less expensive than the national average. Goods are indexed at 95.4, services at 88.7, and rents at 65.1. It ranks #347 out of 387 U.S. metro areas by overall cost.
What salary do I need in St. Cloud, MN to match $100K nationally? ▼
To maintain the same purchasing power as a $100,000 salary at the national average, you would need approximately $87,632 in St. Cloud, MN. Conversely, $100K earned in St. Cloud, MN has the purchasing power of $114,114 at the national average.
How expensive is rent in St. Cloud, MN? ▼
Rents in St. Cloud, MN are indexed at 65.1, which is 34.9% below the national average. This makes the area relatively affordable for renters.
Is St. Cloud, MN getting more expensive? ▼
From 2008 to 2024, St. Cloud, MN's overall cost index changed by -9.7 points (from 97.3 to 87.6). The cost of living has been declining.
What costs the most in St. Cloud, MN? ▼
The priciest category in St. Cloud, MN is goods at 95.4, 4.6% below the national average, still the highest of the three categories. The most affordable category is rents at 65.1, 34.9% below average.
What metros have a similar cost of living to St. Cloud, MN? ▼
Metros with the most similar overall cost index include Hattiesburg, Albany, Watertown-Fort Drum. These areas have RPP values within a few points of St. Cloud, MN's 87.6.
Source: Bureau of Economic Analysis, Regional Price Parities by Metropolitan Statistical Area (2024). Index where national average = 100.
Related
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainCost Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the Bureau of Economic Analysis (BEA). Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.
Federal data behind these figures
- BEA Regional Price Parities (RPP) - the cost-of-living indices shown on this page. bea.gov/data/regional-price-parities
- U.S. Census Bureau, American Community Survey (ACS) - the gross-rent observations BEA uses to build the rents component. census.gov/programs-surveys/acs
- BLS Consumer Price Index (CPI) - the price program underlying BEA's goods and services price relatives. bls.gov/cpi
- BLS Occupational Employment and Wage Statistics (OEWS) - wage reference for the labor-driven services component. bls.gov/oes
- HUD Fair Market Rents (FMR) - federal 40th-percentile rent cross-reference for the housing component. huduser.gov/datasets/fmr
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. This page draws directly on BEA Regional Price Parity source data, no figure 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 2026-05-15. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.