Hermantown, MN vs St. Francis, MN: Cost of Living

Which city costs less?

St. Francis, MN has a modeled overall cost index 19.0% higher than Hermantown, MN.

Hermantown, MN · modeled 2BR rent: $1,570 / month
St. Francis, MN · modeled 2BR rent: $1,520 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Hermantown, MN and St. Francis, MN using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Hermantown, MN

Numbers update automatically as you type

Estimated extra cost: $1,137/month in St. Francis, MN

$150,000 in your current city has a modeled equivalent of $163,639 in St. Francis, MN

Regional cost estimates: Hermantown, MN uses Saint Paul, MN. St. Francis, MN uses Minneapolis, MN. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 19.0%

More expensive

Monthly Impact

$1,137

Extra cost

Annual Impact

$13.6K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Hermantown, MN

Population:10K

Cost Index:

82.6

100 = national average

Typical Home:$335K

St. Francis, MN

Population:8K

Cost Index:

98.3

100 = national average

Typical Home:$338K

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Hermantown, MN

The North Star State

10K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 10K residents.

St. Francis, MN

The North Star State

Population

State Tax

Yes

Located in Minnesota, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Hermantown, MN vs St. Francis, MN

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Hermantown, MN	St. Francis, MN	Difference	Change
Housing	$2,246/mo	$2,699/mo	↑ $453more	20.1%
Other	$1,592/mo	$1,896/mo	↑ $304more	19.1%
Transportation	$1,274/mo	$1,474/mo	↑ $200more	15.7%
Groceries	$1,072/mo	$1,153/mo	↑ $81.04more	7.6%
Healthcare	$787/mo	$847/mo	↑ $59.52more	7.6%
All Utilities	$529/mo	$569/mo	↑ $40.01more	7.6%

Housing

↑ 20.1%

Hermantown, MN

$2,246

St. Francis, MN

$2,699

Difference

$453

Other

↑ 19.1%

Hermantown, MN

$1,592

St. Francis, MN

$1,896

Difference

$304

Transportation

↑ 15.7%

Hermantown, MN

$1,274

St. Francis, MN

$1,474

Difference

$200

Groceries

↑ 7.6%

Hermantown, MN

$1,072

St. Francis, MN

$1,153

Difference

$81.04

Healthcare

↑ 7.6%

Hermantown, MN

$787

St. Francis, MN

$847

Difference

$59.52

All Utilities

↑ 7.6%

Hermantown, MN

$529

St. Francis, MN

$569

Difference

$40.01

🏠Rent Comparison

Studio

From$1,080

To$1,100

↑ $20.00

1 Bed

From$1,250

To$1,250

→ $0

2 Bed

From$1,570

To$1,520

↓ $50.00

3 Bed

From$2,150

To$2,020

↓ $130

Hermantown, MNZIP-level data

1BR range: $1,250–$1,250/mo

St. Francis, MNZIP-level data

1BR range: $1,250–$1,250/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Hermantown, MN

$8,637

Monthly in St. Francis, MN

$1,137

Difference

Home Values

Hermantown

St. Francis

$335K

Median Value

$338K

↑ +7.2%

YoY Change

↑ +1.8%

↑ +35.9%

5-Year Change

↑ +26.5%

Homes in St. Francis are 1% more expensive than Hermantown

Calculate payment - Hermantown Calculate payment - St. Francis

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Hermantown, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

St. Francis, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Additional Tax Information

Hermantown, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

St. Francis, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Hermantown

St. Francis

36 Good

Air Quality

42 Good

72.4%

Good Air Days

66.4%

95 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.7°F

2050 Outlook

▲+3.6°F

14 days

Heat Days >95°F

14 days

▲+3.7°F

2050 Outlook

▲+3.6°F

14 days

Heat Days >95°F

14 days

Before moving from Hermantown, MN to St. Francis, MN

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in St. Francis, MN for the same bedroom count and included utilities as your home in Hermantown, MN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Hermantown to St. Francis moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to St. Francis, MN by cost, housing, population and region.

Frequently Asked Questions: Hermantown, MN vs St. Francis, MN

How do the cost estimates for Hermantown, MN and St. Francis, MN compare?

St. Francis, MN has a modeled overall cost index 19.0% higher than Hermantown, MN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Hermantown, MN, the model estimates $163,639 in St. Francis, MN. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Hermantown, MN and St. Francis, MN?

The modeled two-bedroom rents are $1,570/month in Hermantown, MN and $1,520/month in St. Francis, MN. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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