Example household · Phoenix, AZ · $83,730 · same pay · 1 adult

St. Cloud skyline

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Phoenix vs St. Cloud

Phoenix and St. Cloud

Photo: McGhiever / Wikimedia, CC BY-SA 4.0

Assumed income $83,730, same in both cities. Example, until you change it.

Same pay in both cities. One adult, one bedroom.

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So you know: homicide deaths in St. Cloud are under the US rate in this release, 2.2 versus 6.5 per 100,000. CDC via County Health Rankings, CDC NVSS 2017–2023 (CHR 2025 release).

Why people look at Phoenix to St. Cloud

In 2022-2023, 42 households filed a move from Phoenix to St. Cloud (about 72 people, average adjusted gross income $58,786). 51 households went the other way. Source: IRS migration.

A one-bedroom asking rent is about $1,277 in Phoenix and $986 in St. Cloud. Phoenix has a state tax on wages. St. Cloud has a state tax on wages. Local pay in St. Cloud is 91% of the national level for the same work, against 97% in Phoenix.

St. Cloud averages 191 sunny days, with July highs around 80°F and January nights around 12°F. Phoenix is 299 sunny days, 106°F in July, 46°F in January. Commutes average 22 minutes in St. Cloud and 26 in Phoenix.

These figures are projections built from available public data. Conditions change, and the numbers may not reflect current prices, taxes, or immigration rules. Check official sources before you make decisions.

How we figure this

Who already made this move

In 2022-2023, 42 households moved Phoenix → St. Cloud (about 72 people, average AGI $58,786). 51 households went the other way.

Source: IRS SOI county-to-county migration. Not a moving company; not a recommendation.

The monthly number is take-home pay minus rent and the other bills. The gap between Phoenix and St. Cloud changes with the job, remote or local pay, and bedrooms. How we figure this.

What the move itself costs

About 1,519 road miles, 1 bedroom. Typical ranges, not quotes.

Full-service mover
$3,250–$6,100
Container or pod
$2,300–$4,350
Rent a truck
$1,350–$2,550

Movers in St. Cloud and how to hire one →

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Questions

Is St. Cloud cheaper than Phoenix after tax and rent?

Yes. St. Cloud leaves about $330 more a month, so the cost of living is lower there for this household. A one-bedroom is about $1,277 in Phoenix and $986 in St. Cloud.

Does St. Cloud have state income tax?

St. Cloud is in Minnesota, which taxes wage income.

Did people actually move from Phoenix to St. Cloud?

Yes, when the IRS published that flow. The count and their average income are on this page. Leftover prices the same household in both cities.