Last update: Oct 2026

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

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.

91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index
110

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

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Saint Cloud, MN

🇺🇸 United States

$1,894

/mo nomad

Amarillo, TX

🇺🇸 United States

$2,282

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

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

Saint Cloud, MN is about 17% cheaper than Amarillo, TX, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$15.19 $15.19

$14.80 $14.80

2.64%

Three-Course Dinner for Two, Mid-Range

$40.27 $40.27

$68.3 $68.3

-41.02%

Fast Food Meal (McDonalds, etc)

$8.63 $8.63

$13.07 $13.07

-33.97%

Cappuccino

$4.47 $4.47

$6.94 $6.94

-35.59%

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

$2.88 $2.88

$2.30 $2.30

25.22%

Water (0.33 liter bottle)

$2.25 $2.25

$1.58 $1.58

42.41%

Local Beer (0.5 liter draught)

$6.08 $6.08

$4.09 $4.09

48.66%

Imported Beer (0.33 liter bottle)

$4.85 $4.85

$7.14 $7.14

-32.07%

Milk (1 liter)

$0.92 $0.92

$1.21 $1.21

-23.97%

White Bread (500g)

$1.50 $1.50

$3.23 $3.23

-53.56%

Rice (white) (1kg)

$1.90 $1.90

$3.39 $3.39

-43.95%

Eggs

$3.78 $3.78

$4.44 $4.44

-14.86%

Local Cheese (1kg)

$9.54 $9.54

$16.18 $16.18

-41.04%

Chicken Fillets (1kg)

$6.53 $6.53

$12.66 $12.66

-48.42%

Beef Round Steak (1kg)

$19.42 $19.42

$27.71 $27.71

-29.92%

Apples (1kg)

$3.66 $3.66

$4.26 $4.26

-14.08%

Banana (1kg)

$1.09 $1.09

$1.86 $1.86

-41.40%

Oranges (1kg)

$2.82 $2.82

$4.60 $4.60

-38.70%

Tomato (1kg)

$3.63 $3.63

$3.90 $3.90

-6.92%

Potato (1kg)

$2.03 $2.03

$2.24 $2.24

-9.38%

Onion (1kg)

$2.91 $2.91

$2.81 $2.81

3.56%

Lettuce (1 head)

$1.99 $1.99

$1.65 $1.65

20.61%

Water (1.5 liter bottle)

$3.08 $3.08

$2.57 $2.57

19.84%

Cigarettes 20 Pack (Marlboro, Camel)

$11.38 $11.38

$10.01 $10.01

13.69%

Wine (Bottle)

$15.07 $15.07

$11.78 $11.78

27.93%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$2.07 $2.07

-18.36%

Imported Beer (0.33 liter bottle)

$3.04 $3.04

$2.05 $2.05

48.29%

One-way Ticket (Public Transport)

$1.71 $1.71

$0.99 $0.99

72.73%

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)

$0.92 $0.92

$0.88 $0.88

4.55%

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

$30.2K $30.2K

$26.8K $26.8K

12.58%

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

$23.7K $23.7K

$26.2K $26.2K

-9.44%

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

$118 $118

$291 $291

-59.54%

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

$46.72 $46.72

$51.2 $51.2

-8.80%

Internet (50+ Mbps, Unlimited Data)

$43.38 $43.38

$88.2 $88.2

-50.83%

Gym Membership (Monthly)

$24.65 $24.65

$60.8 $60.8

-59.45%

Tennis Court (1 Hour on Weekend)

$28.09 $28.09

Cinema Ticket

$12.18 $12.18

$9.97 $9.97

22.17%

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

$1,709 $1,709

$706 $706

142.11%

International Primary School, 1 Child (Yearly)

$5,778 $5,778

Jeans (Levis 501 Or Similar)

$57.4 $57.4

$37.68 $37.68

52.44%

Summer Dress (H&M, Zara, etc)

$50.1 $50.1

Sport Shoes (Adidas, Nike)

$73.4 $73.4

$60.8 $60.8

20.58%

Men's Leather Business Shoes

$78.9 $78.9

$118 $118

-33.12%

1-bedroom Apartment, City Center (Monthly)

$931 $931

$1,118 $1,118

-16.72%

1-bedroom Apartment, Outside City Center (Monthly)

$862 $862

$949 $949

-9.22%

3-bedroom Apartment, City Center (Monthly)

$1,371 $1,371

$1,833 $1,833

-25.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,290 $1,290

$1,979 $1,979

-34.79%

Buy Apartment in City Center (m2)

$1,993 $1,993

$1,848 $1,848

7.85%

Buy Apartment Outside City Center (m2)

$1,745 $1,745

$1,603 $1,603

8.87%

Average Monthly Net Salary (After Tax)

$3,967 $3,967

$3,827 $3,827

3.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

6.12

8.01%

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

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

Last update for Amarillo, TX: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Saint Cloud, MN

$862 45.5%

Amarillo, TX

$949 41.6% 10.2% $88

Groceries & Markets

Saint Cloud, MN

$322 17%

Amarillo, TX

$429 18.8% 33.1% $107

Eating Out

Saint Cloud, MN

$262 13.8%

Amarillo, TX

$291 12.8% 11.2% $29

Monthly Utilities & Internet

Saint Cloud, MN

$208 11%

Amarillo, TX

$431 18.9% 107% $223

Clothing & Footwear

Saint Cloud, MN

$117 6.2%

Amarillo, TX

$97 * 4.3% 16.6% $19

Getting Around

Saint Cloud, MN

$74 3.9%

Amarillo, TX

$4 * 0.2% 94.7% $70

Sport & Entertainment

Saint Cloud, MN

$49 2.6%

Amarillo, TX

$81 3.5% 64.7% $32

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

Cost Breakdown

A central one-bedroom costs $931 in Saint Cloud, MN versus $1,118 in Amarillo, TX. 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 $40.00 in Saint Cloud, MN versus $68.0 in Amarillo, TX. Monthly groceries follow the same trend: $322 vs $429 – making Saint Cloud, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 Saint Cloud, MN

🇺🇸 Amarillo, TX

🕒 Local time

00:42 12:42 AM

Same time as Saint Cloud, MN

🌤 Weather

👥 Population

67,109

198,645

💱 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

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

From you

Saint Cloud, MN
Amarillo, TX

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

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

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

For a comfortable life, plan on about $2,841 per month in Saint Cloud, MN and $3,423 in Amarillo, TX. 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 $40.00 in Saint Cloud, MN and $68.0 in Amarillo, TX. 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.