Cost of living in St. Cloud, MN
205,854 people (Census 2025 estimate). Overall prices are 12.4% below the US average, with housing at 65.1 on BEA’s index (US = 100). A single renter on $60,000 keeps $1,444 a month after 2026 taxes and modeled costs.
Typical household budgets in St. Cloud, MN
Computed by MoveMath’s engine with 2026 tax law, HUD Fair Market Rent for the bedrooms each household needs, DOL 2022 childcare prices for Stearns County, MN in current dollars, USDA Moderate-Cost food, one car per adult and $1,000 a month of other spending at US-average prices scaled by local price levels.
| Per month | Single, $60k | Couple + toddler, $110k | Family of four, $76,497 |
|---|---|---|---|
| Gross income | $5,000 | $9,167 | $6,375 |
| Taxes | $1,036 | $1,656 | $708 |
| Take-home pay | $3,964 | $7,511 | $5,667 |
| Housing | $961 | $1,233 | $1,233 |
| Childcare | $0 | $2,022 | $3,104 |
| Food | $420 | $943 | $1,224 |
| Transportation | $168 | $336 | $336 |
| Sales tax | $33 | $33 | $33 |
| Other goods & services | $938 | $938 | $938 |
| Left over | $1,444 | $2,005 | −$1,201 |
Family of four = two adults, a preschooler and a school-age child at the metro’s median household income ($76,497). Click a column to open it in the budget planner and change any input.
Price levels: St. Cloud, MN vs Minnesota and the US
BEA Regional Price Parities, 2024. 100 = US average; bars compare the metro (dark) with Minnesota statewide (light).
Within Minnesota, St. Cloud, MN ranks 5th of 5 metros on overall prices; the state as a whole is at 98.6. The dashed line marks the US average.
Rent and homeownership
| Unit | HUD Fair Market Rent | Income needed at 30% | Share of median income |
|---|---|---|---|
| Studio | $884 | $35,360 | 13.9% |
| 1-bedroom | $961 | $38,440 | 15.1% |
| 2-bedroom | $1,233 | $49,320 | 19.3% |
| 3-bedroom | $1,656 | $66,240 | 26.0% |
| 4-bedroom | $1,961 | $78,440 | 30.8% |
FY2027 FMRs for St. Cloud, MN MSA: 40th-percentile gross rent (rent + tenant-paid utilities) for standard-quality units. Census median gross rent, all unit sizes: $1,042 (ACS 2020-2024).
Childcare prices in Stearns County, MN
| Age band | Center, weekly (2022) | Center, yearly today* | Home-based, weekly (2022) | Home-based, yearly today* |
|---|---|---|---|---|
| Infant (under 2) | $431 | $27,375 | $143 | $9,111 |
| Toddler (2) | $382 | $24,265 | $132 | $8,370 |
| Preschool (3–4) | $337 | $21,400 | $132 | $8,370 |
| School-age (5–12) | $249 | $15,849 | $127 | $8,052 |
DOL National Database of Childcare Prices, 2022 county medians for full-time care in Stearns County, MN (the metro’s principal county). *52 weeks × 1.2224, the BLS CPI change for day care and preschool from the 2022 average to 2026-08.
Taxes: what you keep in St. Cloud
| Single filer, 2026 | $50,000 | $75,000 | $120,000 |
|---|---|---|---|
| Federal income tax | $3,820 | $7,670 | $17,570 |
| Social Security + Medicare | $3,825 | $5,738 | $9,180 |
| Minnesota income tax | $1,877 | $3,577 | $6,637 |
| Minnesota payroll taxes | $220 | $330 | $528 |
| Take-home pay / month | $3,355 | $4,807 | $7,174 |
| Share of pay to taxes | 19.5% | 23.1% | 28.3% |
No mandatory local income tax for residents of St. Cloud in our data. State sales tax: 6.875% (state rate only; local rates add on), groceries exempt.
Energy and fuel
EIA: electricity 2025, natural gas 2024, gasoline week ending 2026-10-05. Renters’ utilities are already inside gross rent.
Nearby metros
| Metro | Distance | Price level | 2-BR FMR | Single $60k left over |
|---|---|---|---|---|
| St. Cloud, MN | — | 87.6 | $1,233 | $1,444 |
| Minneapolis, MN-WI · compare | 59 mi | 104.8 | $1,734 | $842 (−$602) |
| Mankato, MN · compare | 94 mi | 91.0 | $1,230 | $1,382 (−$62) |
| Duluth, MN-WI · compare | 130 mi | 88.8 | $1,207 | $1,445 (+$1) |
| Rochester, MN · compare | 133 mi | 90.8 | $1,422 | $1,179 (−$265) |
| Eau Claire, WI · compare | 139 mi | 92.8 | $1,259 | $1,443 (−$1) |
| Fargo, ND-MN · compare | 157 mi | 90.9 | $1,104 | $1,752 (+$308) |
Common moves to and from St. Cloud, MN
Census ACS metro-to-metro migration flows (ACS 5-year 2016-2020), people who moved in a year.
- Minneapolis, MN-WI4,134
- Minneapolis, MN-WI6,436
Frequently asked questions
Is St. Cloud, MN expensive to live in?+
BEA’s Regional Price Parities put overall prices in the St. Cloud, MN metro at 87.6 (US = 100) in 2024 — 12.4% below the national average and the 347th highest of 387 metros. Housing is 65.1, goods 95.4.
What salary do you need to live in St. Cloud, MN?+
A single renter earning $60,000 keeps $3,964 a month after 2026 taxes and has $1,444 left after rent at HUD Fair Market Rent, food, fuel, sales tax and other modeled costs. Use the cost of living calculator to find the salary that matches your current budget.
How much is rent in St. Cloud, MN?+
HUD’s FY2027 Fair Market Rent — the 40th-percentile gross rent including utilities — is $961 for a 1-bedroom and $1,233 for a 2-bedroom. The Census median gross rent for all units is $1,042.
Does St. Cloud have a local income tax?+
No mandatory local income tax applies to residents of St. Cloud in our 2026 data. Minnesota state income tax does apply.