Cost of Living in St. Cloud, MN
Overall index: 78 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 61 | -39% | $704 |
| Transportation | 106 | +6% | $3.50 |
| Food | 82 | -18% | $336 |
| Utilities | 81 | -19% | $110 |
| Healthcare | 81 | -19% | $79 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in St. Cloud?
A single adult living comfortably in St. Cloud, MN needs approximately $27,300 / year after taxes.
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Frequently Asked Questions
What is the cost of living in St. Cloud, MN?
The overall cost of living in St. Cloud, MN is 22% lower than the US national average (index: 78 where 100 = national average).
How much is rent in St. Cloud, MN?
Average rent for a 1-bedroom apartment in St. Cloud, MN is about $704/month.
Is St. Cloud, MN expensive to live in?
No, St. Cloud, MN is affordable (below national average).
What salary do I need to live in St. Cloud, MN?
A single adult needs roughly $27,300/year to cover basic living costs in St. Cloud, MN.