Last update: Oct 2026

Cost of Living Comparison Between St. Cloud, MN and Monterrey

For one person, living is cheaper in Monterrey: $1,607 a month against $1,929 in St. Cloud, MN, rent and utilities included – about $3,900 less a year. Rent and utilities account for most of the difference.

94

Cost of Living Index in St. Cloud, MN
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St. Cloud, MN Living Index
79

Cost of Living Index in Monterrey
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Monterrey Living Index

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St. Cloud, MN

🇺🇸 United States

$1,929

/mo nomad

Monterrey

🇲🇽 Mexico

$1,607

/mo nomad

Monthly Cost of Living

How much you'll spend in St. Cloud, MN and in Monterrey

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

Monthly costs for one person with rent: $1,929 in St. Cloud, MN versus $1,607 in Monterrey.

St. Cloud, MN $1,929
Monterrey $1,607

Estimated couple costs with rent: $3,044 in St. Cloud, MN versus $2,512 in Monterrey.

St. Cloud, MN $3,044
Monterrey $2,512

Monthly costs for a family of three with rent: $4,158 in St. Cloud, MN versus $3,417 in Monterrey.

St. Cloud, MN $4,158
Monterrey $3,417

Living in St. Cloud, MN is roughly 20% more expensive than in Monterrey, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: St. Cloud, MN 44% above, Monterrey 20% above.

Meal at Budget Restaurant

$20.17 $20.17

$13.75 MX$253

46.69%

Three-Course Dinner for Two, Mid-Range

$74.1 $74.1

$50.2 MX$924

47.69%

Fast Food Meal (McDonalds, etc)

$11.08 $11.08

$11.13 MX$205

-0.45%

Cappuccino

$5.87 $5.87

$4.04 MX$74.5

45.30%

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

$2.81 $2.81

$1.70 MX$31.39

65.29%

Water (0.33 liter bottle)

$2.46 $2.46

$0.99 MX$18.22

148.48%

Local Beer (0.5 liter draught)

$6.86 $6.86

$2.41 MX$44.35

184.65%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$4.48 MX$82.6

80.36%

Milk (1 liter)

$0.76 $0.76

$1.92 MX$35.42

-60.42%

White Bread (500g)

$2.79 $2.79

$2.89 MX$53.2

-3.46%

Rice (white) (1kg)

$3.28 $3.28

$1.94 MX$35.78

69.07%

Eggs

$2.31 $2.31

$2.50 MX$46.05

-7.60%

Local Cheese (1kg)

$4.83 $4.83

$12.30 MX$227

-60.73%

Chicken Fillets (1kg)

$9.61 $9.61

$9.33 MX$172

3.00%

Beef Round Steak (1kg)

$17.95 $17.95

$13.07 MX$241

37.34%

Apples (1kg)

$3.80 $3.80

$3.38 MX$62.3

12.43%

Banana (1kg)

$1.29 $1.29

$1.58 MX$29.12

-18.35%

Oranges (1kg)

$3.39 $3.39

$2.20 MX$40.58

54.09%

Tomato (1kg)

$2.16 $2.16

$2.45 MX$45.04

-11.84%

Potato (1kg)

$0.79 $0.79

$2.26 MX$41.61

-65.04%

Onion (1kg)

$1.67 $1.67

$2.74 MX$50.5

-39.05%

Lettuce (1 head)

$2.03 $2.03

$1.53 MX$28.18

32.68%

Water (1.5 liter bottle)

$1.83 $1.83

$1.26 MX$23.23

45.24%

Cigarettes 20 Pack (Marlboro, Camel)

$9.97 $9.97

$4.84 MX$89.2

105.99%

Wine (Bottle)

$11.87 $11.87

$13.59 MX$250

-12.66%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$1.91 MX$35.12

-6.81%

Imported Beer (0.33 liter bottle)

$3.27 $3.27

$3.06 MX$56.5

6.86%

One-way Ticket (Public Transport)

$2.07 $2.07

$0.80 MX$14.65

158.75%

Public Transport Monthly Pass (Regular Price)

$31.77 MX$585

Taxi Start (Normal Tariff)

$3.01 $3.01

$1.62 MX$29.88

85.80%

Taxi (Normal Tariff) (1km)

$1.93 $1.93

$1.10 MX$20.24

75.45%

Taxi 1hour Waiting (Normal Tariff)

$32.78 $32.78

$10.97 MX$202

198.81%

Gasoline (1 liter)

$0.88 $0.88

$1.52 MX$28.03

-42.11%

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

$32.4K $32.4K

$21.4K MX$393.7K

51.81%

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

$22.5K $22.5K

$25.5K MX$469.1K

-11.51%

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

$168 $168

$120 MX$2,205

40.57%

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

$45.83 $45.83

$27.08 MX$499

69.24%

Internet (50+ Mbps, Unlimited Data)

$44.18 $44.18

$26.70 MX$492

65.47%

Gym Membership (Monthly)

$41.54 $41.54

$31.15 MX$574

33.35%

Tennis Court (1 Hour on Weekend)

$21.95 MX$404

Cinema Ticket

$14.03 $14.03

$5.14 MX$94.7

172.96%

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

$1,697 $1,697

$688 MX$12.7K

146.75%

International Primary School, 1 Child (Yearly)

$24.3K $24.3K

$11.4K MX$210.5K

113.08%

Jeans (Levis 501 Or Similar)

$62.6 $62.6

$71.9 MX$1,325

-13.03%

Summer Dress (H&M, Zara, etc)

$62.2 $62.2

$43.30 MX$798

43.65%

Sport Shoes (Adidas, Nike)

$73.9 $73.9

$112 MX$2,065

-34.12%

Men's Leather Business Shoes

$85.4 $85.4

$122 MX$2,244

-29.93%

1-bedroom Apartment, City Center (Monthly)

$992 $992

$957 MX$17.6K

3.71%

1-bedroom Apartment, Outside City Center (Monthly)

$819 $819

$670 MX$12.3K

22.18%

3-bedroom Apartment, City Center (Monthly)

$1,892 $1,892

$1,887 MX$34.8K

0.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,626 $1,626

$1,305 MX$24.0K

24.64%

Buy Apartment in City Center (m2)

$2,638 $2,638

$4,159 MX$76.6K

-36.58%

Buy Apartment Outside City Center (m2)

$2,594 $2,594

$2,437 MX$44.9K

6.45%

Average Monthly Net Salary (After Tax)

$6,096 $6,096

$1,133 MX$20.9K

438.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

11.79

-43.94%

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

Last update for St. Cloud, MN: October 5, 2026

Last update for Monterrey: October 4, 2026

Monthly budget structure

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

Accommodation & Living

St. Cloud, MN

$819 42.4%

Monterrey

$670 41.4% 18.2% $149

Eating Out

St. Cloud, MN

$337 17.4%

Monterrey

$224 13.8% 33.5% $113

Groceries & Markets

St. Cloud, MN

$300 15.5%

Monterrey

$312 19.3% 4.1% $12

Monthly Utilities & Internet

St. Cloud, MN

$258 13.4%

Monterrey

$174 10.7% 32.8% $85

Clothing & Footwear

St. Cloud, MN

$128 6.6%

Monterrey

$157 9.7% 23% $29

Sport & Entertainment

St. Cloud, MN

$70 3.6%

Monterrey

$41 2.6% 40.5% $28

Getting Around

St. Cloud, MN

$21 * 1.1%

Monterrey

$42 2.6% 101% $21

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

Cost Breakdown

A one-bedroom apartment in the center runs $992 in St. Cloud, MN and $957 in Monterrey. Housing cost is often the main lever when comparing two cities.

St. Cloud, MN pays 438% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $74.0 in St. Cloud, MN vs $50.0 in Monterrey. Groceries flip the comparison at $300 vs $312, with St. Cloud, MN cheaper for home cooking.

Good to know

🇺🇸 St. Cloud, MN

🇲🇽 Monterrey

🕒 Local time

04:43 4:43 AM

03:43 3:43 AM

1 h behind St. Cloud, MN

🌤 Weather

👥 Population

65,842

1,142,994

💱 Currency

United States Dollar USD $

Mexican Peso MXN $

📈 Exchange rate

1 USD = 0.892 EUR

100 MXN = 5.43 USD

100 MXN = 4.84 EUR

Exchange rates and currency converter

MXN, EUR to USD – United States Dollar Converter

🇲🇽 Mexican Peso ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Mexican Peso exchange rates as of October 12, 2026: 1 USD = 18.42 MXN (100 MXN = 5.43 USD). 1 EUR = 20.64 MXN (100 MXN = 4.84 EUR).

MXN to USD in detail →

On the map

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Between locations

St. Cloud, MN Monterrey 2,280 km ≈ 3 h 15 min nonstop flight

From you

St. Cloud, MN
Monterrey

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

St. Cloud, MN vs Monterrey: Cost of Living - Frequently Asked Questions

St. Cloud, MN and Monterrey differ by about 20% in total monthly costs ($1,929 vs $1,607 including rent). Monterrey is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 438% higher in St. Cloud, MN, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $992 in St. Cloud, MN versus $957 in Monterrey. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,697 in St. Cloud, MN versus $688 in Monterrey. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Monterrey – a meal for two runs $50.0 versus $74.0 in St. Cloud, MN. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,607 in Monterrey versus $1,929 in St. Cloud, MN, a $3,000 budget is realistic in Monterrey but tight or insufficient in St. Cloud, MN. The gap between the two cities makes Monterrey the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Monterrey gentler on the wallet – expenses run 20% less than in St. Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.