Denver vs St. Cloud
Cost of Living Comparison · 2026 Data
Denver
St. Cloud
💡 The Verdict
St. Cloud is 12% cheaper than Denver overall. A $75,000 salary in Denver is equivalent to $66,102 in St. Cloud.
Category-by-Category Breakdown
Index values for Denver (left) vs St. Cloud (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Denver versus St. Cloud. Differences shown from Denver perspective.
| Item | Denver | St. Cloud | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,420/mo | $1,110/mo | +$310.00 |
| 2-Bed Rent | $1,900/mo | $1,410/mo | +$490.00 |
| 3-Bed Rent | $2,410/mo | $1,940/mo | +$470.00 |
| Bread (loaf) | $3.06 | $2.74 | +$0.32 |
| Milk (gallon) | $4.03 | $4.05 | $-0.02 |
| Eggs (dozen) | $2.89 | $3.08 | $-0.19 |
| Coffee (latte) | $5.83 | $5.44 | +$0.39 |
| Gas (gallon) | $3.29 | $3.28 | +$0.01 |
| Restaurant Meal | $18.25 | $17.14 | +$1.11 |
💰 Salary Equivalence
A $75,000 salary in Denver has the same purchasing power as $66,102 in St. Cloud.
Conversely, $75,000 in St. Cloud equals $85,096 in Denver.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $1800 difference is driven by Minnesota having a higher state income tax rate. Colorado details → · Minnesota details →
Reading These Numbers: Denver (118) vs St. Cloud (104)
Denver at 118 is 18% above the US average, while St. Cloud at 104 is 4% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Denver, the composite index of 118 reflects a weighted calculation where housing carries the most influence at 152, followed by groceries (102), utilities (94), transportation (103), and healthcare (104). Housing is the primary cost driver here.
For renters: With median rents of $1,900/mo in Denver and $1,410/mo in St. Cloud, the annual rent difference is approximately $5,880.0. Over a 5-year period, that compounds to $29,400.0 in savings by choosing the more affordable city.
For homebuyers: The $196,000.0 difference in median home prices between Denver and St. Cloud translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Denver vs St. Cloud
Choosing between Denver and St. Cloud involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
The cost gap between Denver and St. Cloud reflects thousands of individual pricing differences across housing markets, grocery chains, utility providers, and healthcare networks. No two households experience the same effective cost of living even in the same city, which is why the category breakdown matters more than the headline number. Adjust the lifestyle weighting sliders above to see how your spending priorities shift the comparison between these specific metros.