Stearns County · Minnesota · Midwest · 71k residents
St. Cloud, MN: cost of living, taxes & quality of life
Residential facts for St. Cloud: housing, taxes, monthly costs, climate, schools, and household income, with the Minnesota median as the yardstick. Compare it live against any of 3,000 US cities.
Data coverage: ACS place data; supplementary fields may use state estimates.
The acs median home value in St. Cloud is $225,000, 37% below the Minnesota median. A two-bedroom rents for about $1,060/mo. Day-to-day costs index at 86 against a national baseline of 100. The median household here earns $61,374 a year.
What the numbers show
Source-confirmed findings- Housing value: The ACS median home value in St. Cloud is $225,000, 36.7% below the median for ACS-covered places in Minnesota.
- Household income: Median household income is $61,374, 34% below the median for ACS-covered places in Minnesota.
- Adult education: 30.4% of adults have a bachelor's degree or higher, 24.8% below the median for ACS-covered places in Minnesota.
- Home value to income: The ACS median home value is about 3.7 times median household income. This is a comparison measure, not a mortgage qualification or affordability promise.
Source: U.S. Census Bureau, 2024 American Community Survey 5-year estimates(2024 ACS 5-year; tables B01003, B15003, B19013, B25077). Geography: Census place where available. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
WhereToHQ calculates the comparisons. Figures are estimates for context, not a guarantee or personal financial advice. Read the methodology or send a correction.
What makes this place distinctive
A factual snapshot of the place, based on the profile data. It is not a tourism or cultural claim.
A researched local story is not published for this city yet. The signals below are the verified profile context.
- Scale: A mid-sized city with a population between 50,000 and 250,000 in the profile data.
- Setting: The profile places St. Cloud about 52 miles from the nearest tracked lake.
- Climate signal: The profile records 195 sunny days and 48 inches of annual snow.
- Daily pace: The profile records a walk score of 34 and an average commute of 24 minutes.
WhereToHQ derives these signals from the committed city dataset. Read the methodology for coverage and source limits.
Compare St. Cloud side by side
Cost of living index
86
ACS median home value
$225,000
2-bedroom rent
$1,060/mo
Median household income
$61,374
Housing momentum
We don't have enough recent home-price and rent data to rank St. Cloud's housing momentum yet.
Adjusted by St. Cloud's cost-of-living index versus the US average.
| ACS median home value | $225,000 |
| Price per sq. ft. | $200 |
| Property tax rate | 1.05% |
| 1-bedroom rent | $888/mo |
| 2-bedroom rent | $1,060/mo |
| State & local income tax | 3.68% |
| Sales tax | 7.5% |
| Cost of living index | 86 |
| Groceries index | 100 |
| Utilities | $165/mo |
| Transit pass | $85/mo |
| Gas price | $3.15/gal |
| Healthcare index | 102 |
| Childcare (per child) | $1,350/mo |
| Median household income | $61,374 |
| Unemployment rate | 2.9% |
| Population | 71k |
| Crime index | 40/100 |
| School rating | 7.0/10 |
| Walkability | 34/100 |
| Disaster risk | 88/100 |
| Avg. commute | 24 min |
| Sunny days / year | 195 days |
| July high | 82°F |
| January low | 3°F |
| Annual snowfall | 48 in |
| Home price YoY | — |
| Home price MoM | — |
| Rent YoY | — |
| Rent MoM | — |
| Ocean coast | 1077 mi |
| Big lake | 52 mi |
| Mountains | 435 mi |
| Major airport | 65 mi |
| Ski resort | 124 mi |
Popular comparisons
Nearby
- Sartell, MN · 20k
- Buffalo, MN · 16k
- Elk River, MN · 27k
- Otsego, MN · 22k
- St. Michael, MN · 20k
Similar size
- Maple Grove, MN · 71k
- Blaine, MN · 72k
- Eagan, MN · 68k
- Lakeville, MN · 74k
- Burnsville, MN · 64k
Real listings in St. Cloud
Homes on Zillow ↗Realtor.com ↗Rentals on Zillow ↗Apartments.com ↗
Links open third-party listing searches. WhereToHQ has no paid relationship with these sites.
- What is the cost of living in St. Cloud, MN?
- St. Cloud indexes at 86 for day-to-day costs against a national baseline of 100, with a typical two-bedroom renting for $1,060/mo and a acs median home value of $225,000.
- How much does a house cost in St. Cloud?
- The acs median home value in St. Cloud is $225,000, 37% below the Minnesota median (Census ACS estimate; individual listings vary).
- How much is rent in St. Cloud?
- A two-bedroom in St. Cloud rents for about $1,060/mo.