Last update: Oct 2026

Cost of Living Comparison Between St. Cloud, MN and Seattle, WA

For one person, living is cheaper in St. Cloud, MN: $1,919 a month against $3,782 in Seattle, WA, rent and utilities included – about $22,400 less a year. Rent and utilities account for most of the difference.

93

Cost of Living Index in St. Cloud, MN
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St. Cloud, MN Living Index
184

Cost of Living Index in Seattle, WA
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Seattle, WA Living Index

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St. Cloud, MN

🇺🇸 United States

$1,919

/mo nomad

Seattle, WA

🇺🇸 United States

$3,782

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,919 in St. Cloud, MN versus $3,782 in Seattle, WA.

St. Cloud, MN $1,919
Seattle, WA $3,782

Estimated couple costs with rent: $3,044 in St. Cloud, MN versus $5,636 in Seattle, WA.

St. Cloud, MN $3,044
Seattle, WA $5,636

Monthly costs for a family of three with rent: $4,170 in St. Cloud, MN versus $7,489 in Seattle, WA.

St. Cloud, MN $4,170
Seattle, WA $7,489

Living in St. Cloud, MN costs roughly 49% less than in Seattle, WA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: St. Cloud, MN 42% above, Seattle, WA 179% above.

Meal at Budget Restaurant

$20.09 $20.09

$24.52 $24.52

-18.07%

Three-Course Dinner for Two, Mid-Range

$76.2 $76.2

$98.2 $98.2

-22.47%

Fast Food Meal (McDonalds, etc)

$11.14 $11.14

$14.79 $14.79

-24.68%

Cappuccino

$5.84 $5.84

$6.52 $6.52

-10.43%

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

$2.77 $2.77

$3.23 $3.23

-14.24%

Water (0.33 liter bottle)

$2.52 $2.52

$3.17 $3.17

-20.50%

Local Beer (0.5 liter draught)

$7.13 $7.13

$7.85 $7.85

-9.17%

Imported Beer (0.33 liter bottle)

$7.97 $7.97

$8.03 $8.03

-0.75%

Milk (1 liter)

$0.82 $0.82

$1.21 $1.21

-32.23%

White Bread (500g)

$2.83 $2.83

$5.14 $5.14

-44.94%

Rice (white) (1kg)

$3.22 $3.22

$6.05 $6.05

-46.78%

Eggs

$2.32 $2.32

$4.88 $4.88

-52.46%

Local Cheese (1kg)

$4.85 $4.85

$19.18 $19.18

-74.71%

Chicken Fillets (1kg)

$9.32 $9.32

$18.91 $18.91

-50.71%

Beef Round Steak (1kg)

$17.48 $17.48

$23.31 $23.31

-25.01%

Apples (1kg)

$3.93 $3.93

$5.99 $5.99

-34.39%

Banana (1kg)

$1.36 $1.36

$1.93 $1.93

-29.53%

Oranges (1kg)

$3.25 $3.25

$5.25 $5.25

-38.10%

Tomato (1kg)

$2.18 $2.18

$6.57 $6.57

-66.82%

Potato (1kg)

$0.76 $0.76

$3.62 $3.62

-79.01%

Onion (1kg)

$1.70 $1.70

$3.31 $3.31

-48.64%

Lettuce (1 head)

$2.05 $2.05

$2.78 $2.78

-26.26%

Water (1.5 liter bottle)

$1.83 $1.83

$2.51 $2.51

-27.09%

Cigarettes 20 Pack (Marlboro, Camel)

$10.06 $10.06

$12.18 $12.18

-17.41%

Wine (Bottle)

$11.87 $11.87

$14.83 $14.83

-19.96%

Local Beer (0.5 liter bottle)

$1.76 $1.76

$4.22 $4.22

-58.29%

Imported Beer (0.33 liter bottle)

$3.28 $3.28

$5.77 $5.77

-43.15%

One-way Ticket (Public Transport)

$2.06 $2.06

$2.95 $2.95

-30.17%

Public Transport Monthly Pass (Regular Price)

$106 $106

Taxi Start (Normal Tariff)

$2.85 $2.85

$2.65 $2.65

7.55%

Taxi (Normal Tariff) (1km)

$1.59 $1.59

$1.72 $1.72

-7.56%

Taxi 1hour Waiting (Normal Tariff)

$30.67 $30.67

$29.72 $29.72

3.20%

Gasoline (1 liter)

$0.92 $0.92

$1.49 $1.49

-38.26%

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

$27.6K $27.6K

$35.9K $35.9K

-22.99%

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

$26.8K $26.8K

$26.2K $26.2K

1.94%

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

$165 $165

$302 $302

-45.36%

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

$46.72 $46.72

$70.1 $70.1

-33.37%

Internet (50+ Mbps, Unlimited Data)

$43.41 $43.41

$85.3 $85.3

-49.09%

Gym Membership (Monthly)

$41.68 $41.68

$77.8 $77.8

-46.45%

Tennis Court (1 Hour on Weekend)

$34.58 $34.58

Cinema Ticket

$13.73 $13.73

$17.84 $17.84

-23.04%

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

$1,719 $1,719

$2,973 $2,973

-42.19%

International Primary School, 1 Child (Yearly)

$22.4K $22.4K

$31.3K $31.3K

-28.44%

Jeans (Levis 501 Or Similar)

$64.2 $64.2

$76.6 $76.6

-16.16%

Summer Dress (H&M, Zara, etc)

$62.2 $62.2

$54.1 $54.1

15.04%

Sport Shoes (Adidas, Nike)

$73.7 $73.7

$128 $128

-42.52%

Men's Leather Business Shoes

$84.5 $84.5

$164 $164

-48.51%

1-bedroom Apartment, City Center (Monthly)

$1,005 $1,005

$2,445 $2,445

-58.88%

1-bedroom Apartment, Outside City Center (Monthly)

$812 $812

$1,947 $1,947

-58.28%

3-bedroom Apartment, City Center (Monthly)

$1,883 $1,883

$4,744 $4,744

-60.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,663 $1,663

$3,469 $3,469

-52.06%

Buy Apartment in City Center (m2)

$1,823 $1,823

$7,367 $7,367

-75.25%

Buy Apartment Outside City Center (m2)

$1,814 $1,814

$5,127 $5,127

-64.61%

Average Monthly Net Salary (After Tax)

$5,189 $5,189

$6,506 $6,506

-20.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

6.89

-4.06%

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

Last update for St. Cloud, MN: October 20, 2026

Last update for Seattle, WA: October 19, 2026

Monthly budget structure

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

Accommodation & Living

St. Cloud, MN

$812 42.3%

Seattle, WA

$1.9K 51.5% 140% $1.1K

Eating Out

St. Cloud, MN

$337 17.6%

Seattle, WA

$400 10.6% 18.6% $63

Groceries & Markets

St. Cloud, MN

$299 15.6%

Seattle, WA

$546 14.4% 82.6% $247

Monthly Utilities & Internet

St. Cloud, MN

$255 13.3%

Seattle, WA

$457 12.1% 79.3% $202

Clothing & Footwear

St. Cloud, MN

$128 6.7%

Seattle, WA

$190 5% 48.6% $62

Sport & Entertainment

St. Cloud, MN

$69 3.6%

Seattle, WA

$114 3% 64.2% $44

Getting Around

St. Cloud, MN

$19 * 1%

Seattle, WA

$129 3.4% 579% $110

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 $1,005 in St. Cloud, MN and $2,445 in Seattle, WA. Housing cost is often the main lever when comparing two cities.

Seattle, WA pays 25% 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: $76.0 in St. Cloud, MN vs $98.0 in Seattle, WA for a mid-range dinner for two. Groceries echo the gap at $299 vs $546 per month, with St. Cloud, MN cheaper across the board.

Good to know

🇺🇸 St. Cloud, MN

🇺🇸 Seattle, WA

🕒 Local time

00:22 12:22 AM

22:22 10:22 PM

2 h behind St. Cloud, MN

🌤 Weather

👥 Population

65,842

737,015

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Between locations

St. Cloud, MN Seattle, WA 2,150 km ≈ 3 h 15 min nonstop flight

From you

St. Cloud, MN
Seattle, WA

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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 Seattle, WA: Cost of Living - Frequently Asked Questions

St. Cloud, MN is cheaper overall, especially in eating out, groceries, and clothing. The 97% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 25% lower in Seattle, WA. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,005 in St. Cloud, MN versus $2,445 in Seattle, WA. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,719 in St. Cloud, MN versus $2,973 in Seattle, WA. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in St. Cloud, MN – a meal for two runs $76.0 versus $98.0 in Seattle, WA. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,919 in St. Cloud, MN versus $3,782 in Seattle, WA, a $2,500 budget is realistic in St. Cloud, MN but tight or insufficient in Seattle, WA. The gap between the two cities makes St. Cloud, MN the clear choice for anyone on this budget.

For families, St. Cloud, MN is more practical. Housing and childcare are both notably cheaper than in Seattle, WA, and the savings on those two alone free up budget for education, activities, and family trips.

Expats usually find St. Cloud, MN gentler on the wallet – expenses run 97% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.