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 $1,895 per month in Saint Cloud, MN vs $2,311 in Amarillo, TX, rent included.

A couple spends around $2,734 per month in Saint Cloud, MN vs $3,491 in Amarillo, TX, rent included.

A family of three spends $3,572 per month in Saint Cloud, MN vs $4,671 in Amarillo, TX, rent included.

Saint Cloud, MN is about 18% cheaper than Amarillo, TX, driven mainly by Groceries & Markets.

Both Saint Cloud, MN and Amarillo, TX sit above the global median – Saint Cloud, MN by 38%, Amarillo, TX by 68%.

Meal at Budget Restaurant

$14.85 $14.85

$15.14 $15.14

-1.92%

Three-Course Dinner for Two, Mid-Range

$39.32 $39.32

$68.2 $68.2

-42.38%

Fast Food Meal (McDonalds, etc)

$8.41 $8.41

$13.18 $13.18

-36.19%

Cappuccino

$4.60 $4.60

$6.92 $6.92

-33.53%

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

$2.78 $2.78

$2.30 $2.30

20.87%

Water (0.33 liter bottle)

$2.25 $2.25

$1.64 $1.64

37.20%

Local Beer (0.5 liter draught)

$6.05 $6.05

$3.96 $3.96

52.78%

Imported Beer (0.33 liter bottle)

$5.10 $5.10

$6.97 $6.97

-26.83%

Milk (1 liter)

$0.86 $0.86

$1.20 $1.20

-28.33%

White Bread (500g)

$1.50 $1.50

$3.27 $3.27

-54.13%

Rice (white) (1kg)

$1.98 $1.98

$3.44 $3.44

-42.44%

Eggs

$3.72 $3.72

$4.29 $4.29

-13.29%

Local Cheese (1kg)

$9.84 $9.84

$15.75 $15.75

-37.52%

Chicken Fillets (1kg)

$6.70 $6.70

$12.47 $12.47

-46.27%

Beef Round Steak (1kg)

$18.90 $18.90

$27.99 $27.99

-32.48%

Apples (1kg)

$3.79 $3.79

$4.05 $4.05

-6.42%

Banana (1kg)

$1.05 $1.05

$1.94 $1.94

-45.88%

Oranges (1kg)

$2.83 $2.83

$4.69 $4.69

-39.66%

Tomato (1kg)

$3.46 $3.46

$3.79 $3.79

-8.71%

Potato (1kg)

$2.07 $2.07

$2.26 $2.26

-8.41%

Onion (1kg)

$2.87 $2.87

$2.83 $2.83

1.41%

Lettuce (1 head)

$1.99 $1.99

$1.65 $1.65

20.61%

Water (1.5 liter bottle)

$3.08 $3.08

$2.53 $2.53

21.74%

Cigarettes 20 Pack (Marlboro, Camel)

$10.91 $10.91

$9.51 $9.51

14.72%

Wine (Bottle)

$14.94 $14.94

$12.08 $12.08

23.68%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.14 $2.14

-17.29%

Imported Beer (0.33 liter bottle)

$3.03 $3.03

$2.06 $2.06

47.09%

One-way Ticket (Public Transport)

$1.79 $1.79

$1.02 $1.02

75.49%

Public Transport Monthly Pass (Regular Price)

$59.8 $59.8

Taxi Start (Normal Tariff)

$3.53 $3.53

Taxi (Normal Tariff) (1km)

$0.84 $0.84

Taxi 1hour Waiting (Normal Tariff)

$12.22 $12.22

Gasoline (1 liter)

$0.82 $0.82

$0.87 $0.87

-5.75%

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

$29.9K $29.9K

$27.6K $27.6K

8.41%

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

$23.9K $23.9K

$25.3K $25.3K

-5.44%

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

$119 $119

$286 $286

-58.32%

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

$46.92 $46.92

$52.2 $52.2

-10.08%

Internet (50+ Mbps, Unlimited Data)

$43.22 $43.22

$87.2 $87.2

-50.42%

Gym Membership (Monthly)

$25.22 $25.22

$59.6 $59.6

-57.68%

Tennis Court (1 Hour on Weekend)

$28.56 $28.56

Cinema Ticket

$12.12 $12.12

$10.20 $10.20

18.82%

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

$1,728 $1,728

$706 $706

144.81%

International Primary School, 1 Child (Yearly)

$5,836 $5,836

Jeans (Levis 501 Or Similar)

$57.4 $57.4

$37.22 $37.22

54.25%

Summer Dress (H&M, Zara, etc)

$50.2 $50.2

Sport Shoes (Adidas, Nike)

$72.6 $72.6

$59.2 $59.2

22.57%

Men's Leather Business Shoes

$80.7 $80.7

$121 $121

-33.50%

1-bedroom Apartment, City Center (Monthly)

$946 $946

$1,143 $1,143

-17.23%

1-bedroom Apartment, Outside City Center (Monthly)

$854 $854

$965 $965

-11.45%

3-bedroom Apartment, City Center (Monthly)

$1,406 $1,406

$1,848 $1,848

-23.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,250 $1,250

$1,986 $1,986

-37.05%

Buy Apartment in City Center (m2)

$2,004 $2,004

$1,686 $1,686

18.85%

Buy Apartment Outside City Center (m2)

$1,766 $1,766

$1,849 $1,849

-4.54%

Average Monthly Net Salary (After Tax)

$3,990 $3,990

$3,756 $3,756

6.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.12

6.1

0.33%

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

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

Last update for Amarillo, TX: September 1, 2026

Cost Breakdown

A central one-bedroom costs $946 in Saint Cloud, MN versus $1,143 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 reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $39.00 in Saint Cloud, MN versus $68.0 in Amarillo, TX. Monthly groceries follow the same trend: $322 vs $427 – 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: $1,895 in Saint Cloud, MN, $2,311 in Amarillo, TX – roughly 22% apart. Amarillo, TX costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,843 per month in Saint Cloud, MN and $3,466 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 $39.00 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 $1,895, than in Amarillo, TX at $2,311. 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.