Farmington, MN vs St. Cloud, MN

The cost of living difference between Farmington, MN and St. Cloud, MN is dramatic. St. Cloud is 30.7% cheaper than Farmington, a gap that translates to thousands of dollars per year in household expenses. Farmington has a cost index of 103 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 Farmington is $1,275/month compared to $1,005/month in St. Cloud — a 27% difference. Home values follow the same pattern: St. Cloud is more affordable at $212,800 median vs $345,100.

Median household income in Farmington is $118,556 compared to $61,112 in St. Cloud (+94%). While Farmington is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Farmington spend roughly 12.9% of their income on rent, less than the 19.7% in St. Cloud.