Last update: Oct 2026

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

For one person, living costs are similar in St. Cloud, MN and in Montreal: $1,929 and $2,003 a month, rent and utilities included.

94

Cost of Living Index in St. Cloud, MN
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St. Cloud, MN Living Index
99

Cost of Living Index in Montreal
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Montreal Living Index

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St. Cloud, MN

🇺🇸 United States

$1,929

/mo nomad

Montreal

🇨🇦 Canada

$2,003

/mo nomad

Monthly Cost of Living

How much you'll spend in St. 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 St. Cloud, MN and in Montreal actually costs, broken down by who's living it.

A single person spends $1,929 per month in St. Cloud, MN vs $2,003 in Montreal, rent included.

St. Cloud, MN $1,929
Montreal $2,003

A couple spends around $3,044 per month in St. Cloud, MN vs $3,048 in Montreal, rent included.

St. Cloud, MN $3,044
Montreal $3,048

A family of three spends $4,158 per month in St. Cloud, MN vs $4,092 in Montreal, rent included.

St. Cloud, MN $4,158
Montreal $4,092

St. Cloud, MN is about 4% cheaper than Montreal, and outside of rent the biggest gap is in transport.

Both St. Cloud, MN and Montreal sit above the global median – St. Cloud, MN by 44%, Montreal by 49%.

Meal at Budget Restaurant

$20.17 $20.17

$19.31 CA$27.53

4.45%

Three-Course Dinner for Two, Mid-Range

$74.1 $74.1

$75.5 CA$108

-1.84%

Fast Food Meal (McDonalds, etc)

$11.08 $11.08

$10.63 CA$15.15

4.23%

Cappuccino

$5.87 $5.87

$3.93 CA$5.60

49.36%

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

$2.81 $2.81

$1.92 CA$2.74

46.35%

Water (0.33 liter bottle)

$2.46 $2.46

$1.48 CA$2.11

66.22%

Local Beer (0.5 liter draught)

$6.86 $6.86

$6.30 CA$8.98

8.89%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$7.19 CA$10.25

12.38%

Milk (1 liter)

$0.76 $0.76

$2.22 CA$3.17

-65.77%

White Bread (500g)

$2.79 $2.79

$3.06 CA$4.37

-8.82%

Rice (white) (1kg)

$3.28 $3.28

$2.94 CA$4.19

11.56%

Eggs

$2.31 $2.31

$3.53 CA$5.04

-34.56%

Local Cheese (1kg)

$4.83 $4.83

$13.19 CA$18.80

-63.38%

Chicken Fillets (1kg)

$9.61 $9.61

$11.24 CA$16.02

-14.50%

Beef Round Steak (1kg)

$17.95 $17.95

$13.81 CA$19.69

29.98%

Apples (1kg)

$3.80 $3.80

$3.40 CA$4.85

11.76%

Banana (1kg)

$1.29 $1.29

$1.44 CA$2.06

-10.42%

Oranges (1kg)

$3.39 $3.39

$3.26 CA$4.65

3.99%

Tomato (1kg)

$2.16 $2.16

$2.88 CA$4.10

-25.00%

Potato (1kg)

$0.79 $0.79

$1.86 CA$2.65

-57.53%

Onion (1kg)

$1.67 $1.67

$1.82 CA$2.60

-8.24%

Lettuce (1 head)

$2.03 $2.03

$2.43 CA$3.46

-16.46%

Water (1.5 liter bottle)

$1.83 $1.83

$1.52 CA$2.17

20.39%

Cigarettes 20 Pack (Marlboro, Camel)

$9.97 $9.97

$11.45 CA$16.33

-12.93%

Wine (Bottle)

$11.87 $11.87

$10.36 CA$14.77

14.58%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.22 CA$3.16

-19.82%

Imported Beer (0.33 liter bottle)

$3.27 $3.27

$2.82 CA$4.02

15.96%

One-way Ticket (Public Transport)

$2.07 $2.07

$2.58 CA$3.67

-19.77%

Public Transport Monthly Pass (Regular Price)

$76.9 CA$110

Taxi Start (Normal Tariff)

$3.01 $3.01

$3.25 CA$4.64

-7.38%

Taxi (Normal Tariff) (1km)

$1.93 $1.93

$1.48 CA$2.11

30.41%

Taxi 1hour Waiting (Normal Tariff)

$32.78 $32.78

$33.04 CA$47.11

-0.79%

Gasoline (1 liter)

$0.88 $0.88

$1.36 CA$1.94

-35.29%

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

$32.4K $32.4K

$27.4K CA$39.1K

18.29%

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

$22.5K $22.5K

$20.0K CA$28.5K

12.81%

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

$168 $168

$76.1 CA$109

121.09%

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

$45.83 $45.83

$34.68 CA$49.45

32.15%

Internet (50+ Mbps, Unlimited Data)

$44.18 $44.18

$42.69 CA$60.9

3.49%

Gym Membership (Monthly)

$41.54 $41.54

$28.94 CA$41.27

43.54%

Tennis Court (1 Hour on Weekend)

$20.33 CA$28.98

Cinema Ticket

$14.03 $14.03

$11.21 CA$15.98

25.16%

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

$1,697 $1,697

$505 CA$720

236.01%

International Primary School, 1 Child (Yearly)

$24.3K $24.3K

$16.0K CA$22.8K

52.07%

Jeans (Levis 501 Or Similar)

$62.6 $62.6

$58.5 CA$83.4

6.94%

Summer Dress (H&M, Zara, etc)

$62.2 $62.2

$38.00 CA$54.2

63.68%

Sport Shoes (Adidas, Nike)

$73.9 $73.9

$92.7 CA$132

-20.31%

Men's Leather Business Shoes

$85.4 $85.4

$106 CA$151

-19.31%

1-bedroom Apartment, City Center (Monthly)

$992 $992

$1,240 CA$1,768

-19.96%

1-bedroom Apartment, Outside City Center (Monthly)

$819 $819

$986 CA$1,406

-16.94%

3-bedroom Apartment, City Center (Monthly)

$1,892 $1,892

$2,102 CA$2,997

-9.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,626 $1,626

$1,615 CA$2,302

0.70%

Buy Apartment in City Center (m2)

$2,638 $2,638

$5,043 CA$7,191

-47.70%

Buy Apartment Outside City Center (m2)

$2,594 $2,594

$3,830 CA$5,461

-32.26%

Average Monthly Net Salary (After Tax)

$6,096 $6,096

$2,920 CA$4,164

108.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

4.46

48.21%

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 Montreal: October 6, 2026

Monthly budget structure

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

Accommodation & Living

St. Cloud, MN

$819 42.4%

Montreal

$986 47.9% 20.4% $167

Eating Out

St. Cloud, MN

$337 17.4%

Montreal

$293 14.2% 13% $44

Groceries & Markets

St. Cloud, MN

$300 15.5%

Montreal

$344 16.7% 14.4% $43

Monthly Utilities & Internet

St. Cloud, MN

$258 13.4%

Montreal

$154 7.5% 40.6% $105

Clothing & Footwear

St. Cloud, MN

$128 6.6%

Montreal

$133 6.5% 3.9% $5

Sport & Entertainment

St. Cloud, MN

$70 3.6%

Montreal

$51 2.5% 26.2% $18

Getting Around

St. Cloud, MN

$21 * 1.1%

Montreal

$98 4.8% 367% $77

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

Cost Breakdown

A central one-bedroom costs $992 in St. Cloud, MN versus $1,240 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 109% higher in St. 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 $74.0 in St. Cloud, MN versus $75.0 in Montreal. Monthly groceries follow the same trend: $300 vs $344 – making St. Cloud, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 St. Cloud, MN

🇨🇦 Montreal

🕒 Local time

04:45 4:45 AM

05:45 5:45 AM

1 h ahead of St. Cloud, MN

🌤 Weather

👥 Population

65,842

1,762,949

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.701 USD

1 CAD = 0.626 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 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 12, 2026: 1 USD = 1.43 CAD (1 CAD = 0.701 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

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Between locations

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

From you

St. 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

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

Montreal costs about 4% more than St. Cloud, MN, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,893 per month in St. Cloud, MN and $3,005 in Montreal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in St. 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 $74.0 in St. Cloud, MN and $75.0 in Montreal. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 14% 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 $2,500 monthly budget goes further in St. Cloud, MN, where all-in costs run around $1,929, than in Montreal at $2,003. In St. 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. St. Cloud, MN costs $1,929 versus $2,003 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 St. 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.