St Cloud vs Twin Falls
Cost of Living Comparison · 2026
St Cloud
Twin Falls
The Verdict
St Cloud is 2.2% less expensive than Twin Falls overall. A household earning $75,000 in St Cloud would need approximately $76,667 in Twin Falls 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 St Cloud has the same purchasing power as $76,667 in Twin Falls.
Conversely, $75,000 in Twin Falls equals $73,370 in St Cloud.
Living in St Cloud vs Twin Falls
Housing Costs
St Cloud's housing index of 82 is lower Twin Falls's 93, translating to median home prices of $250,000 vs $380,000. 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: $1,000/mo in St Cloud compared to $1,150/mo in Twin Falls, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 101 in St Cloud and 98 in Twin Falls. A household spending the national average of $475/month on groceries would pay approximately $480/month in St Cloud vs $466/month in Twin Falls. 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 95 in St Cloud and 85 in Twin Falls. Monthly utility bills average approximately $380 in St Cloud vs $340 in Twin Falls. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in St Cloud and 94 in Twin Falls. 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 $60,200 in St Cloud and $60,900 in Twin Falls. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $66,889 and $66,196 respectively. St Cloud residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,405/month to housing in St Cloud vs $1,421/month in Twin Falls. In St Cloud, median rent of $1,000/mo fits within this budget. In Twin Falls, median rent of $1,150/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 11 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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