St. Cloud

Cost of Living in St. Cloud, MN (2026): Rent, Utilities & Take-Home

$2,530 left/mo

Photo: McGhiever / Wikimedia

$2,762/mo in St. Cloud. $2,530 left each month. Prices 12% below the US average.

Pick a home city How we figure this

Monthly costs

Take-home $5,292/mo.

Taxes$1,686
Rent$986
Other$1,776
Left$2,530

Pay and tax, per year

Gross household pay: $83,730
Federal income tax: −$9,591
Social Security and Medicare: −$6,405
State income tax (MN): −$4,230
Take-home pay: $63,504
Effective tax rate: 24.2%

Living costs, per month

Rent, 1br: $986
Groceries: $352
Getting around: $500
Healthcare: $396
Utilities and internet: $220
Everything else: $308
Total spending: $2,762

After tax and rent

$2,530 left/mo

Stats

Rent: $1,174; 2 bd median
Take-home: $5,292; Per month
Tax: 24%; Of pay
Prices: 12% below; US, besides rent

Average electric bill in Minnesota

About $142 a month for a household using 900 kWh. That is the EIA residential price for Minnesota in 2025, 15.83¢ per kWh. It is a state average, not a St. Cloud utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from St. Cloud

Moving from St. Cloud to Minneapolis