Minot vs St. Cloud leftover
Moving to St. Cloud costs you $666 a month
$2,591/mo leftover in St. Cloud vs $3,257 in Minot after tax and rent ($666 less). −$7,992 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Minot leftover
$3,257
a month after tax and rent
St. Cloud leftover
$2,591
−$666 vs Minot
Compare Minot to another metro
Same paycheck. Try a different city next to Minot.
Monthly gap
Minot → St. Cloud
$666
less / month in Minot
$2,591 in St. Cloud · $3,257 in Minot · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
−$666 / mo
| Per month | Minot | St. Cloud | Difference |
|---|---|---|---|
| Gross pay | $7,708 | $7,131 | −$577 |
| Income and payroll tax | $1,635 | $1,778 | +$144 |
| Take-home pay | $6,074 | $5,353 | −$721 |
| Rent | $1,010 | $986 | −$24 |
| Getting around | $544 | $500 | −$44 |
| Groceries | $348 | $352 | +$4 |
| Healthcare | $392 | $396 | +$4 |
| Utilities | $218 | $220 | +$2 |
| Everything else | $305 | $308 | +$3 |
| Left over | $3,257 | $2,591 | −$666 |
To break even in St. Cloud, you'd need to earn
$98,000
Household gross, versus $92,500 today. That's the salary that leaves you exactly as much at the end of the month as Minot does now.
The tax difference alone
−$3,782
A year, in state and local income tax. Effective rates: 21.2% in Minot, 24.9% in St. Cloud.
More about St. Cloud
Minot, ND in full
State income tax topping out at 2.5%, a median 2-bedroom asking rent of $1,202 and 202 sunny days; commutes average 20 minutes.
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 → Minot →Questions
Is the cost of living lower in St. Cloud than Minot?
A one-bedroom is about $1,010 in Minot versus $986 in St. Cloud. On a one-adult, one-bedroom household, leftover is about $666 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 Minot 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 Minot 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.