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

Monthly Cost of Living

A single person spends $2,475 per month in Saint Cloud, MN vs $2,182 in Amarillo, TX, rent included.

A couple spends around $3,534 per month in Saint Cloud, MN vs $3,356 in Amarillo, TX, rent included.

A family of three spends $4,592 per month in Saint Cloud, MN vs $4,531 in Amarillo, TX, rent included.

Saint Cloud, MN costs about 13% more than Amarillo, TX, driven mainly by Groceries & Markets.

Both Saint Cloud, MN and Amarillo, TX sit above the global median – Saint Cloud, MN by 84%, Amarillo, TX by 62%.

Meal at Budget Restaurant

$18.32 $18.32

$14.76 $14.76

24.12%

Three-Course Dinner for Two, Mid-Range

$66.2 $66.2

$70.7 $70.7

-6.45%

Fast Food Meal (McDonalds, etc)

$8.74 $8.74

$13.18 $13.18

-33.69%

Cappuccino

$4.70 $4.70

$5.53 $5.53

-15.01%

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

$2.70 $2.70

$2.01 $2.01

34.33%

Water (0.33 liter bottle)

$2.27 $2.27

$2.03 $2.03

11.82%

Local Beer (0.5 liter draught)

$5.40 $5.40

$3.40 $3.40

58.82%

Imported Beer (0.33 liter bottle)

$4.93 $4.93

$6.96 $6.96

-29.17%

Milk (1 liter)

$0.94 $0.94

$1.12 $1.12

-16.07%

White Bread (500g)

$2.49 $2.49

$4.06 $4.06

-38.67%

Rice (white) (1kg)

$3.62 $3.62

$3.17 $3.17

14.20%

Eggs

$3.21 $3.21

$4.44 $4.44

-27.70%

Local Cheese (1kg)

$9.40 $9.40

$18.13 $18.13

-48.15%

Chicken Fillets (1kg)

$7.65 $7.65

$11.82 $11.82

-35.28%

Beef Round Steak (1kg)

$14.35 $14.35

$17.18 $17.18

-16.47%

Apples (1kg)

$3.35 $3.35

$4.24 $4.24

-20.99%

Banana (1kg)

$1.19 $1.19

$2.03 $2.03

-41.38%

Oranges (1kg)

$4.23 $4.23

$4.62 $4.62

-8.44%

Tomato (1kg)

$5.30 $5.30

$3.58 $3.58

48.04%

Potato (1kg)

$2.76 $2.76

$2.26 $2.26

22.12%

Onion (1kg)

$3.13 $3.13

$2.71 $2.71

15.50%

Lettuce (1 head)

$1.98 $1.98

$1.46 $1.46

35.62%

Water (1.5 liter bottle)

$1.92 $1.92

$2.60 $2.60

-26.15%

Cigarettes 20 Pack (Marlboro, Camel)

$10.30 $10.30

$8.94 $8.94

15.21%

Wine (Bottle)

$11.60 $11.60

$12.07 $12.07

-3.89%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.05 $2.05

-13.66%

Imported Beer (0.33 liter bottle)

$3.40 $3.40

$2.91 $2.91

16.84%

One-way Ticket (Public Transport)

$2.05 $2.05

$0.99 $0.99

107.07%

Public Transport Monthly Pass (Regular Price)

$58.9 $58.9

Taxi Start (Normal Tariff)

$5.06 $5.06

$3.42 $3.42

47.95%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$1.65 $1.65

-16.97%

Taxi 1hour Waiting (Normal Tariff)

$29.05 $29.05

$29.62 $29.62

-1.92%

Gasoline (1 liter)

$0.85 $0.85

$0.71 $0.71

19.72%

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

$35.8K $35.8K

$19.3K $19.3K

85.75%

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

$25.2K $25.2K

$23.2K $23.2K

8.59%

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

$105 $105

$231 $231

-54.52%

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

$48.52 $48.52

$51.6 $51.6

-5.95%

Internet (50+ Mbps, Unlimited Data)

$64.7 $64.7

$77.7 $77.7

-16.81%

Gym Membership (Monthly)

$42.49 $42.49

$20.09 $20.09

111.50%

Cinema Ticket

$11.80 $11.80

$9.89 $9.89

19.31%

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

$1,443 $1,443

$707 $707

104.14%

International Primary School, 1 Child (Yearly)

$29.9K $29.9K

$23.2K $23.2K

28.73%

Jeans (Levis 501 Or Similar)

$39.39 $39.39

$49.67 $49.67

-20.70%

Summer Dress (H&M, Zara, etc)

$41.89 $41.89

$40.70 $40.70

2.92%

Sport Shoes (Adidas, Nike)

$75.3 $75.3

$68.3 $68.3

10.26%

Men's Leather Business Shoes

$79.8 $79.8

$86.2 $86.2

-7.43%

1-bedroom Apartment, City Center (Monthly)

$1,609 $1,609

$1,175 $1,175

37.00%

1-bedroom Apartment, Outside City Center (Monthly)

$1,340 $1,340

$952 $952

40.78%

3-bedroom Apartment, City Center (Monthly)

$2,625 $2,625

$1,993 $1,993

31.67%

3-bedroom Apartment, Outside City Center (Monthly)

$2,205 $2,205

$1,976 $1,976

11.58%

Buy Apartment in City Center (m2)

$2,040 $2,040

$1,690 $1,690

20.71%

Buy Apartment Outside City Center (m2)

$1,758 $1,758

$1,886 $1,886

-6.81%

Average Monthly Net Salary (After Tax)

$3,961 $3,961

$3,738 $3,738

5.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.3

6.45

-2.33%

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

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

Last update for Amarillo, TX: April 12, 2026

Cost Breakdown

A central one-bedroom costs $1,609 in Saint Cloud, MN versus $1,175 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 6% higher in Saint Cloud, MN, 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 $66 in Saint Cloud, MN versus $71 in Amarillo, TX. Monthly groceries follow the same trend: $323 vs $406 – 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

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

Monthly costs with rent: $2,475 in Saint Cloud, MN, $2,182 in Amarillo, TX – roughly 13% apart. Saint Cloud, MN costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $3,713 per month in Saint Cloud, MN and $3,272 in Amarillo, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Amarillo, TX, 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 $66.0 in Saint Cloud, MN and $71.0 in Amarillo, TX. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 26% cheaper in Saint Cloud, MN – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $3,000 monthly budget goes further in Amarillo, TX, where all-in costs run around $2,182, than in Saint Cloud, MN at $2,475. In Amarillo, TX it covers expenses comfortably, while in Saint Cloud, MN it requires careful planning or may not stretch far enough.

Families tend to lean toward Amarillo, TX – 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 Amarillo, TX. If higher salaries, better infrastructure, or specific career opportunities are the priority, Saint Cloud, MN makes more sense. Both are solid long-term options with distinct trade-offs.