Andover, MN vs St. Cloud, MN

The cost of living difference between Andover, MN and St. Cloud, MN is dramatic. St. Cloud is 56.4% cheaper than Andover, a gap that translates to thousands of dollars per year in household expenses. Andover has a cost index of 124 while St. Cloud sits at 79, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Andover is $1,827/month compared to $1,005/month in St. Cloud — a 82% difference. Home values follow the same pattern: St. Cloud is more affordable at $212,800 median vs $389,200.

Median household income in Andover is $131,528 compared to $61,112 in St. Cloud (+115.2%). While Andover is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Andover spend roughly 16.7% of their income on rent, less than the 19.7% in St. Cloud.