Pemberton, MN vs St. Stephen, MN

There is a significant gap in the cost of living between these two cities. St. Stephen is 17% cheaper than Pemberton. With a cost index of 82 vs 96, the difference would have a meaningful impact on a household's monthly budget. Someone relocating from St. Stephen to Pemberton should plan for substantially higher expenses across most categories.

On the housing front, median rent in Pemberton is $1,725/month compared to $1,025/month in St. Stephen — a 68% difference. Interestingly, home values tell a different story: while St. Stephen has cheaper rent, Pemberton actually has lower median home values ($155,000 vs $237,600).

Median household income in Pemberton is $54,750 compared to $94,875 in St. Stephen (-42.3%). St. Stephen offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Pemberton spend roughly 37.8% of their income on rent, more than the 13% in St. Stephen. The St. Stephen ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.

Climate-wise, Pemberton is notably warmer with an average of 46.7°F compared to 42.9°F in St. Stephen. Pemberton receives more rainfall at 30.6" per year compared to 28.5" in St. Stephen.