Fort Smith vs St Cloud

Category-by-Category Breakdown

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

Salary Equivalence

A $75,000 salary in Fort Smith has the same purchasing power as $87,662 in St Cloud.

Conversely, $75,000 in St Cloud equals $64,167 in Fort Smith.

Living in Fort Smith vs St Cloud

Housing Costs

Fort Smith's housing index of 49 is lower St Cloud's 82, translating to median home prices of $155,000 vs $250,000. The $95,000 difference in home prices means roughly $6,180 per year in additional mortgage costs at current rates. Renters face a similar gap: $775/mo in Fort Smith compared to $1,000/mo in St Cloud, a monthly difference of $225.

Grocery & Food Costs

Grocery expenses index at 92 in Fort Smith and 101 in St Cloud. A household spending the national average of $475/month on groceries would pay approximately $437/month in Fort Smith vs $480/month in St Cloud. Fort Smith offers a meaningful advantage on everyday food costs, saving roughly $516/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 95 in Fort Smith and 95 in St Cloud. Monthly utility bills average approximately $380 in Fort Smith vs $380 in St Cloud. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 88 in Fort Smith and 100 in St Cloud. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $45,200 in Fort Smith and $60,200 in St Cloud. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $58,701 and $66,889 respectively. St Cloud residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,055/month to housing in Fort Smith vs $1,405/month in St Cloud. In Fort Smith, median rent of $775/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 33 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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