Cost of Living Comparison Between New York, NY and Saint Cloud, MN Cost of Living Comparison Between New York, NY and Saint Cloud, MN

Monthly Cost of Living

A single person spends $4,878 per month in New York, NY vs $1,895 in Saint Cloud, MN, rent included.

A couple spends around $7,262 per month in New York, NY vs $2,734 in Saint Cloud, MN, rent included.

A family of three spends $9,645 per month in New York, NY vs $3,572 in Saint Cloud, MN, rent included.

New York, NY costs about 157% more than Saint Cloud, MN, driven mainly by Groceries & Markets.

Both New York, NY and Saint Cloud, MN sit above the global median – New York, NY by 255%, Saint Cloud, MN by 38%.

Meal at Budget Restaurant

$25.20 $25.20

$14.85 $14.85

69.70%

Three-Course Dinner for Two, Mid-Range

$150 $150

$39.32 $39.32

281.97%

Fast Food Meal (McDonalds, etc)

$13.98 $13.98

$8.41 $8.41

66.23%

Cappuccino

$6.39 $6.39

$4.60 $4.60

38.91%

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

$4.01 $4.01

$2.78 $2.78

44.24%

Water (0.33 liter bottle)

$2.91 $2.91

$2.25 $2.25

29.33%

Local Beer (0.5 liter draught)

$8.01 $8.01

$6.05 $6.05

32.40%

Imported Beer (0.33 liter bottle)

$9.94 $9.94

$5.10 $5.10

94.90%

Milk (1 liter)

$1.33 $1.33

$0.86 $0.86

54.65%

White Bread (500g)

$4.80 $4.80

$1.50 $1.50

220.00%

Rice (white) (1kg)

$6.81 $6.81

$1.98 $1.98

243.94%

Eggs

$5.67 $5.67

$3.72 $3.72

52.42%

Local Cheese (1kg)

$16.66 $16.66

$9.84 $9.84

69.31%

Chicken Fillets (1kg)

$14.82 $14.82

$6.70 $6.70

121.19%

Beef Round Steak (1kg)

$18.90 $18.90

Apples (1kg)

$6.03 $6.03

$3.79 $3.79

59.10%

Banana (1kg)

$2.16 $2.16

$1.05 $1.05

105.71%

Oranges (1kg)

$5.67 $5.67

$2.83 $2.83

100.35%

Tomato (1kg)

$6.07 $6.07

$3.46 $3.46

75.43%

Potato (1kg)

$3.49 $3.49

$2.07 $2.07

68.60%

Onion (1kg)

$4.14 $4.14

$2.87 $2.87

44.25%

Lettuce (1 head)

$2.67 $2.67

$1.99 $1.99

34.17%

Water (1.5 liter bottle)

$2.56 $2.56

$3.08 $3.08

-16.88%

Cigarettes 20 Pack (Marlboro, Camel)

$19.04 $19.04

$10.91 $10.91

74.52%

Wine (Bottle)

$19.73 $19.73

$14.94 $14.94

32.06%

Local Beer (0.5 liter bottle)

$3.30 $3.30

$1.77 $1.77

86.44%

Imported Beer (0.33 liter bottle)

$3.97 $3.97

$3.03 $3.03

31.02%

One-way Ticket (Public Transport)

$2.99 $2.99

$1.79 $1.79

67.04%

Public Transport Monthly Pass (Regular Price)

$140 $140

$59.8 $59.8

134.46%

Taxi Start (Normal Tariff)

$2.94 $2.94

$3.53 $3.53

-16.71%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$0.84 $0.84

152.38%

Taxi 1hour Waiting (Normal Tariff)

$41.24 $41.24

$12.22 $12.22

237.48%

Gasoline (1 liter)

$1.11 $1.11

$0.82 $0.82

35.37%

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

$35.2K $35.2K

$29.9K $29.9K

17.79%

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

$25.2K $25.2K

$23.9K $23.9K

5.39%

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

$218 $218

$119 $119

82.74%

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

$76.5 $76.5

$46.92 $46.92

63.13%

Internet (50+ Mbps, Unlimited Data)

$76.0 $76.0

$43.22 $43.22

75.75%

Gym Membership (Monthly)

$128 $128

$25.22 $25.22

406.54%

Tennis Court (1 Hour on Weekend)

$63.2 $63.2

$28.56 $28.56

121.32%

Cinema Ticket

$23.94 $23.94

$12.12 $12.12

97.52%

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

$3,313 $3,313

$1,728 $1,728

91.79%

International Primary School, 1 Child (Yearly)

$60.8K $60.8K

$5,836 $5,836

942.51%

Jeans (Levis 501 Or Similar)

$74.0 $74.0

$57.4 $57.4

28.86%

Summer Dress (H&M, Zara, etc)

$56.3 $56.3

$50.2 $50.2

12.02%

Sport Shoes (Adidas, Nike)

$116 $116

$72.6 $72.6

60.43%

Men's Leather Business Shoes

$130 $130

$80.7 $80.7

60.92%

1-bedroom Apartment, City Center (Monthly)

$4,391 $4,391

$946 $946

364.00%

1-bedroom Apartment, Outside City Center (Monthly)

$3,088 $3,088

$854 $854

261.47%

3-bedroom Apartment, City Center (Monthly)

$9,291 $9,291

$1,406 $1,406

560.89%

3-bedroom Apartment, Outside City Center (Monthly)

$5,460 $5,460

$1,250 $1,250

336.82%

Buy Apartment in City Center (m2)

$19.3K $19.3K

$2,004 $2,004

862.90%

Buy Apartment Outside City Center (m2)

$6,723 $6,723

$1,766 $1,766

280.81%

Average Monthly Net Salary (After Tax)

$5,364 $5,364

$3,990 $3,990

34.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

6.12

5.07%

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

Last update for New York, NY: August 29, 2026

Last update for Saint Cloud, MN: August 30, 2026

Cost Breakdown

A central one-bedroom costs $4,391 in New York, NY versus $946 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 34% higher in New York, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $150 in New York, NY versus $39.00 in Saint Cloud, MN. Monthly groceries follow the same trend: $512 vs $322 – making Saint Cloud, MN the more affordable choice for daily food spending.

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

New York, NY vs Saint Cloud, MN: Cost of Living - Frequently Asked Questions

New York, NY costs about 157% more than Saint Cloud, MN, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $7,317 per month in New York, NY and $2,843 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.

Kindergarten costs $3,313 per month in New York, NY and $1,728 in Saint Cloud, MN. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 59% more in New York, NY, 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 $1,895, than in New York, NY at $4,878. In Saint Cloud, MN it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Saint Cloud, MN costs $1,895 versus $4,878 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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