Hillsboro vs St Cloud

Category-by-Category Breakdown

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

Salary Equivalence

A $75,000 salary in Hillsboro has the same purchasing power as $52,734 in St Cloud.

Conversely, $75,000 in St Cloud equals $106,667 in Hillsboro.

Living in Hillsboro vs St Cloud

Housing Costs

Hillsboro's housing index of 175 is higher St Cloud's 82, translating to median home prices of $533,000 vs $250,000. The $283,000 difference in home prices means roughly $18,396 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,725/mo in Hillsboro compared to $1,000/mo in St Cloud, a monthly difference of $725.

Grocery & Food Costs

Grocery expenses index at 108 in Hillsboro and 101 in St Cloud. A household spending the national average of $475/month on groceries would pay approximately $513/month in Hillsboro vs $480/month in St Cloud. St Cloud offers a meaningful advantage on everyday food costs, saving roughly $396/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 96 in Hillsboro and 95 in St Cloud. Monthly utility bills average approximately $384 in Hillsboro vs $380 in St Cloud. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 103 in Hillsboro 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 $106,700 in Hillsboro and $60,200 in St Cloud. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $83,359 and $66,889 respectively. Hillsboro residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $2,490/month to housing in Hillsboro vs $1,405/month in St Cloud. In Hillsboro, median rent of $1,725/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 93 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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