Minneapolis vs St. Cloud leftover
Moving to St. Cloud costs you $164 a month
$2,580/mo leftover in St. Cloud vs $2,744 in Minneapolis after tax and rent ($164 less). −$1,968 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Minneapolis leftover
$2,744
a month after tax and rent
St. Cloud leftover
$2,580
−$164 vs Minneapolis
Compare Minneapolis to another metro
Same paycheck. Try a different city next to Minneapolis.
Monthly gap
Minneapolis → St. Cloud
$164
less / month in Minneapolis
$2,580 in St. Cloud · $2,744 in Minneapolis · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 1,900 households moved Minneapolis → St. Cloud (avg AGI $53,948). 2,199 went the other way. The whole move →
−$164 / mo
| Per month | Minneapolis | St. Cloud | Difference |
|---|---|---|---|
| Gross pay | $8,250 | $7,114 | −$1,136 |
| Income and payroll tax | $2,186 | $1,772 | −$414 |
| Take-home pay | $6,064 | $5,342 | −$722 |
| Rent | $1,366 | $986 | −$380 |
| Getting around | $504 | $500 | −$4 |
| Groceries | $400 | $352 | −$48 |
| Healthcare | $450 | $396 | −$54 |
| Utilities | $250 | $220 | −$30 |
| Everything else | $350 | $308 | −$42 |
| Left over | $2,744 | $2,580 | −$164 |
To break even in St. Cloud, you'd need to earn
$88,500
Household gross, versus $99,000 today. That's the salary that leaves you exactly as much at the end of the month as Minneapolis does now.
The tax difference alone
+$927
A year, in state and local income tax. Effective rates: 26.5% in Minneapolis, 24.9% in St. Cloud.
More about St. Cloud
Minneapolis, MN in full
Strong wages, good bones, and a January that averages 9°F at night.
St. Cloud, MN in full
State income tax topping out at 9.85%, a median 2-bedroom asking rent of $1,174 and 191 sunny days; commutes average 22 minutes.
The reverse move
Same two cities, but starting from St. Cloud on St. Cloud wages.
St. Cloud → Minneapolis →Questions
Is the cost of living lower in St. Cloud than Minneapolis?
A one-bedroom is about $1,366 in Minneapolis versus $986 in St. Cloud. On a one-adult, one-bedroom household, leftover is about $164 a month lower in St. Cloud. Change the job or household on the comparison to see your number.
Does St. Cloud have state income tax?
St. Cloud is in Minnesota, which taxes wage income.
What changes if you move from Minneapolis to St. Cloud?
Take-home pay is recalculated under Minnesota tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Minneapolis and St. Cloud moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.