Concord vs St Cloud

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Concord has the same purchasing power as $45,918 in St Cloud.

Conversely, $75,000 in St Cloud equals $122,500 in Concord.

Living in Concord vs St Cloud

Housing Costs

Concord's housing index of 210 is higher St Cloud's 82, translating to median home prices of $680,000 vs $250,000. The $430,000 difference in home prices means roughly $27,948 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,350/mo in Concord compared to $1,000/mo in St Cloud, a monthly difference of $1,350.

Grocery & Food Costs

Grocery expenses index at 112 in Concord and 101 in St Cloud. A household spending the national average of $475/month on groceries would pay approximately $532/month in Concord vs $480/month in St Cloud. St Cloud offers a meaningful advantage on everyday food costs, saving roughly $624/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 147 in Concord and 95 in St Cloud. Monthly utility bills average approximately $588 in Concord vs $380 in St Cloud. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 121 in Concord and 100 in St Cloud. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 21-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $109,000 in Concord and $60,200 in St Cloud. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $74,150 and $66,889 respectively. Concord residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $2,543/month to housing in Concord vs $1,405/month in St Cloud. In Concord, median rent of $2,350/mo fits within this budget. In St Cloud, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 128 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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