St. Francis, MN vs White Bear Lake, MN

St. Francis is moderately more affordable than White Bear Lake, with a 11.4% lower cost of living index. St. Francis scores 97 compared to 109 for White Bear Lake, where the US average is 100. This difference means residents of White Bear Lake can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in St. Francis is $1,183/month compared to $1,540/month in White Bear Lake — a 23% difference. Home values follow the same pattern: St. Francis is more affordable at $297,800 median vs $318,000.

Median household income in St. Francis is $101,875 compared to $79,712 in White Bear Lake (+27.8%). St. Francis offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of St. Francis spend roughly 13.9% of their income on rent, less than the 23.2% in White Bear Lake.

Climate-wise, both cities share similar average temperatures (45.8°F vs 46.5°F). St. Francis receives more rainfall at 30.7" per year compared to 29.2" in White Bear Lake.