Lowell vs St Cloud
Cost of Living Comparison · 2026
Lowell
St Cloud
The Verdict
St Cloud is 45.6% less expensive than Lowell overall. A household earning $75,000 in Lowell would need approximately $51,527 in St Cloud to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Lowell has the same purchasing power as $51,527 in St Cloud.
Conversely, $75,000 in St Cloud equals $109,167 in Lowell.
Living in Lowell vs St Cloud
Housing Costs
Lowell's housing index of 152 is higher St Cloud's 82, translating to median home prices of $429,000 vs $250,000. The $179,000 difference in home prices means roughly $11,640 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,925/mo in Lowell compared to $1,000/mo in St Cloud, a monthly difference of $925.
Grocery & Food Costs
Grocery expenses index at 104 in Lowell and 101 in St Cloud. A household spending the national average of $475/month on groceries would pay approximately $494/month in Lowell vs $480/month in St Cloud. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 151 in Lowell and 95 in St Cloud. Monthly utility bills average approximately $604 in Lowell 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 118 in Lowell and 100 in St Cloud. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $79,700 in Lowell and $60,200 in St Cloud. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $60,840 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 $1,860/month to housing in Lowell vs $1,405/month in St Cloud. In Lowell, median rent of $1,925/mo exceeds this threshold, suggesting renters may feel stretched. 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 70 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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