Ramsey, MN vs St. Cloud, MN

The cost of living difference between Ramsey, MN and St. Cloud, MN is dramatic. St. Cloud is 50% cheaper than Ramsey, a gap that translates to thousands of dollars per year in household expenses. Ramsey has a cost index of 119 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 Ramsey is $1,780/month compared to $1,005/month in St. Cloud — a 77% difference. Home values follow the same pattern: St. Cloud is more affordable at $212,800 median vs $345,000.

Median household income in Ramsey is $112,060 compared to $61,112 in St. Cloud (+83.4%). While Ramsey is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Ramsey spend roughly 19.1% of their income on rent, less than the 19.7% in St. Cloud.

Climate-wise, both cities share similar average temperatures (45.8°F vs 42.9°F). Ramsey receives more rainfall at 30.7" per year compared to 28.5" in St. Cloud.