Modesto vs St Cloud

Category-by-Category Breakdown

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

Salary Equivalence

A $75,000 salary in Modesto has the same purchasing power as $60,268 in St Cloud.

Conversely, $75,000 in St Cloud equals $93,333 in Modesto.

Living in Modesto vs St Cloud

Housing Costs

Modesto's housing index of 121 is higher St Cloud's 82, translating to median home prices of $380,000 vs $250,000. The $130,000 difference in home prices means roughly $8,448 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Modesto compared to $1,000/mo in St Cloud, a monthly difference of $400.

Grocery & Food Costs

Grocery expenses index at 100 in Modesto and 101 in St Cloud. A household spending the national average of $475/month on groceries would pay approximately $475/month in Modesto 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 108 in Modesto and 95 in St Cloud. Monthly utility bills average approximately $432 in Modesto 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 100 in Modesto 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 $55,138 in Modesto and $60,200 in St Cloud. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,230 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 $1,287/month to housing in Modesto vs $1,405/month in St Cloud. In Modesto, median rent of $1,400/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 39 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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