Cost of Living in St. Cloud, MO

With a cost of living index of 77, St. Cloud, MO is a very affordable place to live. Living here is 23% cheaper than the national average and 3% above the Missouri state average of 75. St. Cloud is a small community of 31 residents.

Housing costs are the biggest factor in St. Cloud's cost of living. The median monthly rent is $963 (27% below the US median of $1,319), and the median home value sits at $183,300 (40% below the national median of $304,900). At current prices, the median home costs roughly 5.3x the median household income — a stretch for many buyers, though not uncommon in today's market.

The median household income in St. Cloud is $34,792, which is 54% lower than the national median of $75,149. Residents spend roughly 33% of household income on rent. This exceeds the recommended 30% threshold, meaning many renters here are cost-burdened. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Everyday prices in the St. Louis, MO-IL (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.