Hampton vs St Cloud
Cost of Living Comparison · 2026
Hampton
St Cloud
The Verdict
The cost gap between these cities is 2.2%, with Hampton being the more affordable option. A $75,000 income in Hampton has equivalent purchasing power to $76,705 in St Cloud.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Hampton has the same purchasing power as $76,705 in St Cloud.
Conversely, $75,000 in St Cloud equals $73,333 in Hampton.
Living in Hampton vs St Cloud
Housing Costs
Hampton's housing index of 102 is higher St Cloud's 82, translating to median home prices of $243,000 vs $250,000. The $7,000 difference in home prices means roughly $456 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,175/mo in Hampton compared to $1,000/mo in St Cloud, a monthly difference of $175.
Grocery & Food Costs
Grocery expenses index at 94 in Hampton and 101 in St Cloud. A household spending the national average of $475/month on groceries would pay approximately $447/month in Hampton vs $480/month in St Cloud. Hampton offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 102 in Hampton and 95 in St Cloud. Monthly utility bills average approximately $408 in Hampton vs $380 in St Cloud. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 106 in Hampton and 100 in St Cloud. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $59,400 in Hampton and $60,200 in St Cloud. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $67,500 and $66,889 respectively. Hampton residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,386/month to housing in Hampton vs $1,405/month in St Cloud. In Hampton, median rent of $1,175/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 20 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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