St Cloud vs Yuma
Cost of Living Comparison · 2026
St Cloud
Yuma
The Verdict
The cost gap between these cities is 2.2%, with St Cloud being the more affordable option. A $75,000 income in St Cloud has equivalent purchasing power to $76,667 in Yuma.
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 Yuma.
Conversely, $75,000 in Yuma equals $73,370 in St Cloud.
Living in St Cloud vs Yuma
Housing Costs
St Cloud's housing index of 82 is equal to Yuma's 82, translating to median home prices of $250,000 vs $284,000. The $34,000 difference in home prices means roughly $2,208 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,000/mo in St Cloud compared to $1,100/mo in Yuma, a monthly difference of $100.
Grocery & Food Costs
Grocery expenses index at 101 in St Cloud and 101 in Yuma. A household spending the national average of $475/month on groceries would pay approximately $480/month in St Cloud vs $480/month in Yuma. 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 102 in Yuma. Monthly utility bills average approximately $380 in St Cloud vs $408 in Yuma. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in St Cloud and 87 in Yuma. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 13-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $60,200 in St Cloud and $54,100 in Yuma. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $66,889 and $58,804 respectively. St Cloud residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,405/month to housing in St Cloud vs $1,262/month in Yuma. In St Cloud, median rent of $1,000/mo fits within this budget. In Yuma, median rent of $1,100/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 13 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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