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

Monthly Cost of Living

Monthly costs for one person with rent: $2,707 in Austin, TX versus $2,475 in Saint Cloud, MN.

Estimated couple costs with rent: $4,158 in Austin, TX versus $3,534 in Saint Cloud, MN.

Monthly costs for a family of three with rent: $5,608 in Austin, TX versus $4,592 in Saint Cloud, MN.

Living in Austin, TX is roughly 9% more expensive than Saint Cloud, MN, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Austin, TX 101% above, Saint Cloud, MN 84% above.

Meal at Budget Restaurant

$19.50 $19.50

$18.32 $18.32

6.44%

Three-Course Dinner for Two, Mid-Range

$75.3 $75.3

$66.2 $66.2

13.84%

Fast Food Meal (McDonalds, etc)

$9.88 $9.88

$8.74 $8.74

13.04%

Cappuccino

$5.74 $5.74

$4.70 $4.70

22.13%

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

$2.78 $2.78

$2.70 $2.70

2.96%

Water (0.33 liter bottle)

$2.13 $2.13

$2.27 $2.27

-6.17%

Local Beer (0.5 liter draught)

$6.11 $6.11

$5.40 $5.40

13.15%

Imported Beer (0.33 liter bottle)

$7.86 $7.86

$4.93 $4.93

59.43%

Milk (1 liter)

$1.09 $1.09

$0.94 $0.94

15.96%

White Bread (500g)

$3.44 $3.44

$2.49 $2.49

38.15%

Rice (white) (1kg)

$3.31 $3.31

$3.62 $3.62

-8.56%

Eggs

$4.29 $4.29

$3.21 $3.21

33.64%

Local Cheese (1kg)

$11.98 $11.98

$9.40 $9.40

27.45%

Chicken Fillets (1kg)

$10.74 $10.74

$7.65 $7.65

40.39%

Beef Round Steak (1kg)

$14.79 $14.79

$14.35 $14.35

3.07%

Apples (1kg)

$5.00 $5.00

$3.35 $3.35

49.25%

Banana (1kg)

$1.49 $1.49

$1.19 $1.19

25.21%

Oranges (1kg)

$4.43 $4.43

$4.23 $4.23

4.73%

Tomato (1kg)

$3.95 $3.95

$5.30 $5.30

-25.47%

Potato (1kg)

$2.75 $2.75

$2.76 $2.76

-0.36%

Onion (1kg)

$2.73 $2.73

$3.13 $3.13

-12.78%

Lettuce (1 head)

$2.04 $2.04

$1.98 $1.98

3.03%

Water (1.5 liter bottle)

$2.26 $2.26

$1.92 $1.92

17.71%

Cigarettes 20 Pack (Marlboro, Camel)

$9.09 $9.09

$10.30 $10.30

-11.75%

Wine (Bottle)

$14.99 $14.99

$11.60 $11.60

29.22%

Local Beer (0.5 liter bottle)

$2.35 $2.35

$1.77 $1.77

32.77%

Imported Beer (0.33 liter bottle)

$3.54 $3.54

$3.40 $3.40

4.12%

One-way Ticket (Public Transport)

$1.49 $1.49

$2.05 $2.05

-27.32%

Public Transport Monthly Pass (Regular Price)

$44.05 $44.05

$58.9 $58.9

-25.24%

Taxi Start (Normal Tariff)

$4.47 $4.47

$5.06 $5.06

-11.66%

Taxi (Normal Tariff) (1km)

$1.76 $1.76

$1.37 $1.37

28.47%

Taxi 1hour Waiting (Normal Tariff)

$34.44 $34.44

$29.05 $29.05

18.55%

Gasoline (1 liter)

$0.74 $0.74

$0.85 $0.85

-12.94%

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

$25.6K $25.6K

$35.8K $35.8K

-28.45%

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

$26.7K $26.7K

$25.2K $25.2K

5.90%

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

$172 $172

$105 $105

64.02%

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

$59.3 $59.3

$48.52 $48.52

22.20%

Internet (50+ Mbps, Unlimited Data)

$66.5 $66.5

$64.7 $64.7

2.82%

Gym Membership (Monthly)

$63.1 $63.1

$42.49 $42.49

48.48%

Tennis Court (1 Hour on Weekend)

$10.17 $10.17

Cinema Ticket

$15.28 $15.28

$11.80 $11.80

29.49%

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

$1,406 $1,406

$1,443 $1,443

-2.56%

International Primary School, 1 Child (Yearly)

$22.0K $22.0K

$29.9K $29.9K

-26.57%

Jeans (Levis 501 Or Similar)

$56.4 $56.4

$39.39 $39.39

43.29%

Summer Dress (H&M, Zara, etc)

$45.72 $45.72

$41.89 $41.89

9.14%

Sport Shoes (Adidas, Nike)

$86.0 $86.0

$75.3 $75.3

14.23%

Men's Leather Business Shoes

$118 $118

$79.8 $79.8

47.20%

1-bedroom Apartment, City Center (Monthly)

$2,196 $2,196

$1,609 $1,609

36.43%

1-bedroom Apartment, Outside City Center (Monthly)

$1,434 $1,434

$1,340 $1,340

6.99%

3-bedroom Apartment, City Center (Monthly)

$3,878 $3,878

$2,625 $2,625

47.75%

3-bedroom Apartment, Outside City Center (Monthly)

$2,610 $2,610

$2,205 $2,205

18.35%

Buy Apartment in City Center (m2)

$7,228 $7,228

$2,040 $2,040

254.34%

Buy Apartment Outside City Center (m2)

$3,282 $3,282

$1,758 $1,758

86.77%

Average Monthly Net Salary (After Tax)

$4,984 $4,984

$3,961 $3,961

25.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

6.3

2.38%

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

Last update for Austin, TX: April 13, 2026

Last update for Saint Cloud, MN: April 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,196 in Austin, TX and $1,609 in Saint Cloud, MN. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 26% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $75 in Austin, TX vs $66 in Saint Cloud, MN for a mid-range dinner for two. Groceries echo the gap at $379 vs $323 per month, with Saint Cloud, MN cheaper across the board.

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

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

Saint Cloud, MN wins on cost – living expenses run 9% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Saint Cloud, MN the obvious pick if budget is a priority.

Austin, TX pays 26% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,196 in Austin, TX versus $1,609 in Saint Cloud, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,707 per month in Austin, TX versus $2,475 in Saint Cloud, MN – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Saint Cloud, MN runs roughly 34% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,475 in Saint Cloud, MN versus $2,707 in Austin, TX, a $3,000 budget is realistic in Saint Cloud, MN but tight or insufficient in Austin, TX. The gap between the two cities makes Saint Cloud, MN the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Saint Cloud, MN gentler on the wallet – expenses run 9% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.