CostIndexUSA

Amarillo, TX vs St. Cloud, MN Cost of Living

Data: BEA Regional Price Parities · Census ACS · 2024

TX
Amarillo
91.8
overall index
$1,225/mo rent
More AffordableMN
St. Cloud
87.6
overall index
$1,175/mo rent

St. Cloud is slightly cheaper than Amarillo — 4.6% lower overall cost of living.

To match an $80,000 salary in Amarillo, you would need $76,300 in St. Cloud. Calculate your salary ↓

Category Breakdown

Index values: 100 = U.S. national average. Higher = more expensive.

🏠 Housing17.0%
Amarillo
78.4
St. Cloud
65.1
🛒 Groceries+1.7%
Amarillo
93.8
St. Cloud
95.4
🚗 Transportation4.3%
Amarillo
101.1
St. Cloud
96.8
🏥 Healthcare4.2%
Amarillo
91.4
St. Cloud
87.6
Utilities+6.2%
Amarillo
83.5
St. Cloud
88.7

Salary Equivalency Calculator

Enter your current salary in Amarillo to see what you'd need to earn in St. Cloud to maintain the same purchasing power.

$
Equivalent salary in St. Cloud, MN
$76,300
$3,700 less needed in St. Cloud

Formula: salary × (87.6 ÷ 91.8) = salary × 0.9542. Based on BEA Regional Price Parities.

Housing Market

Amarillo, TX

Median Home Price
$211,000
Median Monthly Rent
$1,225
Housing Index
78.4
Price-to-Rent Ratio
14.4×

St. Cloud, MN

Median Home Price
$302,000
Median Monthly Rent
$1,175
Housing Index
65.1
Price-to-Rent Ratio
21.4×

Amarillo has 17.0% lower housing costs compared to St. Cloud.

Income & Job Market

Amarillo, TX

Median Household Income
$64,000
Per Capita Income
$36,500
Unemployment Rate
2.9%
Population
200,393
Top Industries
AgricultureEnergyHealthcareManufacturingRetail

St. Cloud, MN

Median Household Income
$74,000
Per Capita Income
$42,200
Unemployment Rate
3.7%
Population
67,984
Top Industries
HealthcareManufacturingEducationRetailTechnology

Affordability at a Glance

Income-to-rent ratio: higher is better (more income relative to housing costs).

Amarillo, TX
4.4×income-to-rent ratio

77% of income left after rent (median)

St. Cloud, MN
5.2×income-to-rent ratio

81% of income left after rent (median)

Data Sources: Bureau of Economic Analysis (BEA) Regional Price Parities 2024; U.S. Census Bureau American Community Survey (ACS); Bureau of Labor Statistics (BLS) Local Area Unemployment Statistics; Zillow Research.

Cost indices use 100 as the U.S. national average. Values above 100 indicate costs above the national average. Data is updated annually.

This data is for informational purposes only and should not be used as the sole basis for relocation or financial decisions.