Last update: Oct 2026

Cost of Living Comparison Between Amarillo, TX and Saint Cloud, MN

For one person, living is cheaper in Saint Cloud, MN: $1,894 a month against $2,282 in Amarillo, TX, rent and utilities included – about $4,700 less a year. Rent and utilities account for most of the difference.

110

Cost of Living Index in Amarillo, TX
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Amarillo, TX Living Index
91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index

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Amarillo, TX

🇺🇸 United States

$2,282

/mo nomad

Saint Cloud, MN

🇺🇸 United States

$1,894

/mo nomad

Monthly Cost of Living

How much you'll spend in Amarillo, TX and in Saint Cloud, MN

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Amarillo, TX and in Saint Cloud, MN actually costs, broken down by who's living it.

A single person spends $2,282 per month in Amarillo, TX vs $1,894 in Saint Cloud, MN, rent included.

Amarillo, TX $2,282
Saint Cloud, MN $1,894

A couple spends around $3,529 per month in Amarillo, TX vs $2,718 in Saint Cloud, MN, rent included.

Amarillo, TX $3,529
Saint Cloud, MN $2,718

A family of three spends $4,775 per month in Amarillo, TX vs $3,543 in Saint Cloud, MN, rent included.

Amarillo, TX $4,775
Saint Cloud, MN $3,543

Amarillo, TX costs about 21% more than Saint Cloud, MN, and outside of rent the biggest gap is in groceries.

Both Amarillo, TX and Saint Cloud, MN sit above the global median – Amarillo, TX by 68%, Saint Cloud, MN by 40%.

Meal at Budget Restaurant

$14.80 $14.80

$15.19 $15.19

-2.57%

Three-Course Dinner for Two, Mid-Range

$68.3 $68.3

$40.27 $40.27

69.56%

Fast Food Meal (McDonalds, etc)

$13.07 $13.07

$8.63 $8.63

51.45%

Cappuccino

$6.94 $6.94

$4.47 $4.47

55.26%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.30 $2.30

$2.88 $2.88

-20.14%

Water (0.33 liter bottle)

$1.58 $1.58

$2.25 $2.25

-29.78%

Local Beer (0.5 liter draught)

$4.09 $4.09

$6.08 $6.08

-32.73%

Imported Beer (0.33 liter bottle)

$7.14 $7.14

$4.85 $4.85

47.22%

Milk (1 liter)

$1.21 $1.21

$0.92 $0.92

31.52%

White Bread (500g)

$3.23 $3.23

$1.50 $1.50

115.33%

Rice (white) (1kg)

$3.39 $3.39

$1.90 $1.90

78.42%

Eggs

$4.44 $4.44

$3.78 $3.78

17.46%

Local Cheese (1kg)

$16.18 $16.18

$9.54 $9.54

69.60%

Chicken Fillets (1kg)

$12.66 $12.66

$6.53 $6.53

93.87%

Beef Round Steak (1kg)

$27.71 $27.71

$19.42 $19.42

42.69%

Apples (1kg)

$4.26 $4.26

$3.66 $3.66

16.39%

Banana (1kg)

$1.86 $1.86

$1.09 $1.09

70.64%

Oranges (1kg)

$4.60 $4.60

$2.82 $2.82

63.12%

Tomato (1kg)

$3.90 $3.90

$3.63 $3.63

7.44%

Potato (1kg)

$2.24 $2.24

$2.03 $2.03

10.34%

Onion (1kg)

$2.81 $2.81

$2.91 $2.91

-3.44%

Lettuce (1 head)

$1.65 $1.65

$1.99 $1.99

-17.09%

Water (1.5 liter bottle)

$2.57 $2.57

$3.08 $3.08

-16.56%

Cigarettes 20 Pack (Marlboro, Camel)

$10.01 $10.01

$11.38 $11.38

-12.04%

Wine (Bottle)

$11.78 $11.78

$15.07 $15.07

-21.83%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$1.69 $1.69

22.49%

Imported Beer (0.33 liter bottle)

$2.05 $2.05

$3.04 $3.04

-32.57%

One-way Ticket (Public Transport)

$0.99 $0.99

$1.71 $1.71

-42.11%

Public Transport Monthly Pass (Regular Price)

$59.8 $59.8

Taxi Start (Normal Tariff)

$3.48 $3.48

Taxi (Normal Tariff) (1km)

$0.84 $0.84

Taxi 1hour Waiting (Normal Tariff)

$12.16 $12.16

Gasoline (1 liter)

$0.88 $0.88

$0.92 $0.92

-4.35%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$26.8K $26.8K

$30.2K $30.2K

-11.17%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.2K $26.2K

$23.7K $23.7K

10.42%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$291 $291

$118 $118

147.14%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$51.2 $51.2

$46.72 $46.72

9.65%

Internet (50+ Mbps, Unlimited Data)

$88.2 $88.2

$43.38 $43.38

103.37%

Gym Membership (Monthly)

$60.8 $60.8

$24.65 $24.65

146.61%

Tennis Court (1 Hour on Weekend)

$28.09 $28.09

Cinema Ticket

$9.97 $9.97

$12.18 $12.18

-18.14%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$706 $706

$1,709 $1,709

-58.70%

International Primary School, 1 Child (Yearly)

$5,778 $5,778

Jeans (Levis 501 Or Similar)

$37.68 $37.68

$57.4 $57.4

-34.40%

Summer Dress (H&M, Zara, etc)

$50.1 $50.1

Sport Shoes (Adidas, Nike)

$60.8 $60.8

$73.4 $73.4

-17.07%

Men's Leather Business Shoes

$118 $118

$78.9 $78.9

49.53%

1-bedroom Apartment, City Center (Monthly)

$1,118 $1,118

$931 $931

20.07%

1-bedroom Apartment, Outside City Center (Monthly)

$949 $949

$862 $862

10.16%

3-bedroom Apartment, City Center (Monthly)

$1,833 $1,833

$1,371 $1,371

33.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,979 $1,979

$1,290 $1,290

53.36%

Buy Apartment in City Center (m2)

$1,848 $1,848

$1,993 $1,993

-7.28%

Buy Apartment Outside City Center (m2)

$1,603 $1,603

$1,745 $1,745

-8.15%

Average Monthly Net Salary (After Tax)

$3,827 $3,827

$3,967 $3,967

-3.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.12

6.61

-7.41%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Amarillo, TX: October 19, 2026

Last update for Saint Cloud, MN: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Amarillo, TX

$949 41.6%

Saint Cloud, MN

$862 45.5% 9.2% $88

Monthly Utilities & Internet

Amarillo, TX

$431 18.9%

Saint Cloud, MN

$208 11% 51.7% $223

Groceries & Markets

Amarillo, TX

$429 18.8%

Saint Cloud, MN

$322 17% 24.9% $107

Eating Out

Amarillo, TX

$291 12.8%

Saint Cloud, MN

$262 13.8% 10.1% $29

Clothing & Footwear

Amarillo, TX

$97 * 4.3%

Saint Cloud, MN

$117 6.2% 20% $19

Sport & Entertainment

Amarillo, TX

$81 3.5%

Saint Cloud, MN

$49 2.6% 39.3% $32

Getting Around

Amarillo, TX

$4 * 0.2%

Saint Cloud, MN

$74 3.9% 1783% $70

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,118 in Amarillo, TX versus $931 in Saint Cloud, MN. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 4% higher in Saint Cloud, MN, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $68.0 in Amarillo, TX versus $40.00 in Saint Cloud, MN. Monthly groceries follow the same trend: $429 vs $322 – making Saint Cloud, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 Amarillo, TX

🇺🇸 Saint Cloud, MN

🕒 Local time

01:28 1:28 AM

Same time as Amarillo, TX

🌤 Weather

👥 Population

198,645

67,109

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Amarillo, TX Saint Cloud, MN 1,330 km ≈ 2 h 15 min nonstop flight

From you

Amarillo, TX
Saint Cloud, MN

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Amarillo, TX vs Saint Cloud, MN: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,282 in Amarillo, TX, $1,894 in Saint Cloud, MN – roughly 21% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,423 per month in Amarillo, TX and $2,841 in Saint Cloud, MN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Cloud, MN, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $68.0 in Amarillo, TX and $40.00 in Saint Cloud, MN. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 33% more in Amarillo, TX, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $3,000 monthly budget goes further in Saint Cloud, MN, where all-in costs run around $1,894, than in Amarillo, TX at $2,282. In Saint Cloud, MN it covers expenses comfortably, while in Amarillo, TX it requires careful planning or may not stretch far enough.

Families tend to lean toward Saint Cloud, MN – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Saint Cloud, MN. If higher salaries, better infrastructure, or specific career opportunities are the priority, Amarillo, TX makes more sense. Both are solid long-term options with distinct trade-offs.