Last update: Oct 2026

Cost of Living Comparison Between Saint Cloud, MN and Montreal

For one person, living is cheaper in Saint Cloud, MN: $1,891 a month against $2,018 in Montreal, rent and utilities included – about $1,500 less a year. Other living expenses account for most of the difference.

91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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Saint Cloud, MN

🇺🇸 United States

$1,891

/mo nomad

Montreal

🇨🇦 Canada

$2,018

/mo nomad

Monthly Cost of Living

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

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 Montreal actually costs, broken down by who's living it.

A single person spends $1,891 per month in Saint Cloud, MN vs $2,018 in Montreal, rent included.

Saint Cloud, MN $1,891
Montreal $2,018

A couple spends around $2,697 per month in Saint Cloud, MN vs $3,085 in Montreal, rent included.

Saint Cloud, MN $2,697
Montreal $3,085

A family of three spends $3,502 per month in Saint Cloud, MN vs $4,152 in Montreal, rent included.

Saint Cloud, MN $3,502
Montreal $4,152

Saint Cloud, MN is about 6% cheaper than Montreal, and outside of rent the biggest gap is in groceries.

Both Saint Cloud, MN and Montreal sit above the global median – Saint Cloud, MN by 40%, Montreal by 49%.

Meal at Budget Restaurant

$14.94 $14.94

$18.82 CA$26.61

-20.62%

Three-Course Dinner for Two, Mid-Range

$40.42 $40.42

$70.3 CA$99.4

-42.50%

Fast Food Meal (McDonalds, etc)

$8.45 $8.45

$10.66 CA$15.06

-20.73%

Cappuccino

$4.61 $4.61

$3.84 CA$5.43

20.05%

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

$2.88 $2.88

$1.92 CA$2.71

50.00%

Water (0.33 liter bottle)

$2.17 $2.17

$1.54 CA$2.18

40.91%

Local Beer (0.5 liter draught)

$5.98 $5.98

$6.23 CA$8.81

-4.01%

Imported Beer (0.33 liter bottle)

$5.09 $5.09

$7.10 CA$10.03

-28.31%

Milk (1 liter)

$0.90 $0.90

$2.31 CA$3.27

-61.04%

White Bread (500g)

$1.48 $1.48

$3.14 CA$4.44

-52.87%

Rice (white) (1kg)

$1.90 $1.90

$3.21 CA$4.54

-40.81%

Eggs

$3.79 $3.79

$3.52 CA$4.97

7.67%

Local Cheese (1kg)

$9.60 $9.60

$12.81 CA$18.11

-25.06%

Chicken Fillets (1kg)

$6.66 $6.66

$11.46 CA$16.20

-41.88%

Beef Round Steak (1kg)

$18.94 $18.94

$13.39 CA$18.92

41.45%

Apples (1kg)

$3.71 $3.71

$3.14 CA$4.43

18.15%

Banana (1kg)

$1.09 $1.09

$1.44 CA$2.03

-24.31%

Oranges (1kg)

$2.78 $2.78

$3.47 CA$4.91

-19.88%

Tomato (1kg)

$3.49 $3.49

$3.07 CA$4.34

13.68%

Potato (1kg)

$2.05 $2.05

$1.90 CA$2.69

7.89%

Onion (1kg)

$2.94 $2.94

$1.77 CA$2.50

66.10%

Lettuce (1 head)

$1.94 $1.94

$2.34 CA$3.31

-17.09%

Water (1.5 liter bottle)

$2.96 $2.96

$1.55 CA$2.19

90.97%

Cigarettes 20 Pack (Marlboro, Camel)

$11.21 $11.21

$11.38 CA$16.09

-1.49%

Wine (Bottle)

$14.71 $14.71

$10.63 CA$15.03

38.38%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.27 CA$3.21

-25.11%

Imported Beer (0.33 liter bottle)

$3.04 $3.04

$2.82 CA$3.99

7.80%

One-way Ticket (Public Transport)

$1.70 $1.70

$2.66 CA$3.76

-36.09%

Public Transport Monthly Pass (Regular Price)

$61.2 $61.2

$77.3 CA$109

-20.87%

Taxi Start (Normal Tariff)

$3.44 $3.44

$3.20 CA$4.53

7.50%

Taxi (Normal Tariff) (1km)

$0.79 $0.79

$1.48 CA$2.09

-46.62%

Taxi 1hour Waiting (Normal Tariff)

$11.76 $11.76

$32.88 CA$46.48

-64.23%

Gasoline (1 liter)

$0.89 $0.89

$1.34 CA$1.90

-33.58%

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

$30.0K $30.0K

$28.2K CA$39.8K

6.60%

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

$23.7K $23.7K

$19.6K CA$27.8K

20.69%

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

$122 $122

$76.0 CA$107

60.44%

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

$45.73 $45.73

$33.95 CA$48.00

34.70%

Internet (50+ Mbps, Unlimited Data)

$44.69 $44.69

$42.31 CA$59.8

5.63%

Gym Membership (Monthly)

$24.96 $24.96

$29.76 CA$42.07

-16.13%

Tennis Court (1 Hour on Weekend)

$27.73 $27.73

$20.28 CA$28.67

36.74%

Cinema Ticket

$11.80 $11.80

$11.15 CA$15.77

5.83%

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

$1,721 $1,721

$507 CA$717

239.48%

International Primary School, 1 Child (Yearly)

$5,918 $5,918

$16.1K CA$22.7K

-63.13%

Jeans (Levis 501 Or Similar)

$56.5 $56.5

$57.6 CA$81.4

-1.77%

Summer Dress (H&M, Zara, etc)

$50.3 $50.3

$37.58 CA$53.1

33.71%

Sport Shoes (Adidas, Nike)

$72.6 $72.6

$91.9 CA$130

-21.02%

Men's Leather Business Shoes

$80.3 $80.3

$110 CA$155

-26.77%

1-bedroom Apartment, City Center (Monthly)

$913 $913

$1,260 CA$1,782

-27.59%

1-bedroom Apartment, Outside City Center (Monthly)

$859 $859

$948 CA$1,340

-9.36%

3-bedroom Apartment, City Center (Monthly)

$1,409 $1,409

$2,137 CA$3,021

-34.05%

3-bedroom Apartment, Outside City Center (Monthly)

$1,255 $1,255

$1,614 CA$2,281

-22.20%

Buy Apartment in City Center (m2)

$2,038 $2,038

$4,960 CA$7,011

-58.91%

Buy Apartment Outside City Center (m2)

$1,772 $1,772

$3,838 CA$5,425

-53.84%

Average Monthly Net Salary (After Tax)

$3,949 $3,949

$2,827 CA$3,997

39.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

4.48

47.54%

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

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

Last update for Montreal: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Saint Cloud, MN

$859 45.4%

Montreal

$948 47% 10.3% $89

Groceries & Markets

Saint Cloud, MN

$318 16.8%

Montreal

$346 17.2% 8.8% $28

Eating Out

Saint Cloud, MN

$261 13.8%

Montreal

$288 14.3% 10.5% $27

Monthly Utilities & Internet

Saint Cloud, MN

$212 11.2%

Montreal

$152 7.5% 28.3% $60

Clothing & Footwear

Saint Cloud, MN

$117 6.2%

Montreal

$133 6.6% 14.3% $17

Getting Around

Saint Cloud, MN

$75 4%

Montreal

$99 4.9% 30.7% $23

Sport & Entertainment

Saint Cloud, MN

$49 2.6%

Montreal

$52 2.6% 7.2% $3.5

Cost Breakdown

A central one-bedroom costs $913 in Saint Cloud, MN versus $1,260 in Montreal. 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 40% 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 $70.0 in Montreal. Monthly groceries follow the same trend: $318 vs $346 – making Saint Cloud, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 Saint Cloud, MN

🇨🇦 Montreal

🕒 Local time

11:44 11:44 AM

12:44 12:44 PM

1 h ahead of Saint Cloud, MN

🌤 Weather

👥 Population

67,109

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 19, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

On the map

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Between locations

Saint Cloud, MN Montreal 1,600 km ≈ 2 h 30 min nonstop flight

From you

Saint Cloud, MN
Montreal

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 Montreal: Cost of Living - Frequently Asked Questions

Montreal costs about 7% more than Saint Cloud, MN, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,836 per month in Saint Cloud, MN and $3,027 in Montreal. 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.

Groceries cost about 9% more in Montreal, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $40.00 in Saint Cloud, MN and $70.0 in Montreal. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $3,000 monthly budget goes further in Saint Cloud, MN, where all-in costs run around $1,891, than in Montreal at $2,018. In Saint Cloud, MN it covers expenses comfortably, while in Montreal it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Saint Cloud, MN costs $1,891 versus $2,018 in Montreal. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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