Is Kansas City, MO cheaper than St. Cloud, MN?

Based on cost of living data, Kansas City, MO is 6.8% cheaper than St. Cloud, MN. This translates to saving $513 per month.

What salary do I need in Kansas City, MO to live like I do in St. Cloud, MN?

If you earn $150,000 in St. Cloud, MN, you'd need approximately $143,846.003 in Kansas City, MO to maintain the same standard of living.

How does housing cost compare between St. Cloud, MN and Kansas City, MO?

Housing in Kansas City, MO is 6.8% cheaper than in St. Cloud, MN. For a two-bedroom apartment, rent is $1,460/month in Kansas City, MO compared to $996/month in St. Cloud, MN.

How much can I save per month by moving from St. Cloud, MN to Kansas City, MO?

Moving from St. Cloud, MN to Kansas City, MO could save you approximately $513 per month, or $6154 per year, based on a $150,000 salary.

St. Cloud, MN vs Kansas City, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 St. Cloud, MN — ZIP-level rent data · COL adjusted from Minneapolis, MN area

Current salary in St. Cloud, MN

Numbers update automatically as you type

You'd save $513/month moving to Kansas City, MO

$150.0K in your current city equals $143.8K in Kansas City, MO

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 6.8%

Less expensive

Monthly Impact

$513

Savings

Annual Impact

$6.2K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

St. Cloud, MN

Population:71K

Cost Index:100

Median Home:$259K

Kansas City, MO

Population:508K

Cost Index:93

Median Home:$257K

St. Cloud, MN

The North Star State

71K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 71K residents.

Kansas City, MO

The Show-Me State

508K

Population

State Tax

Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: St. Cloud, MN vs Kansas City, MO

Category	St. Cloud, MN	Kansas City, MO	Difference	Change
🏠Housing	$2,259/mo	$2,105/mo	↓ $154less	6.8%
🏥Healthcare	$715/mo	$607/mo	↓ $108less	15.1%
⚡All Utilities	$481/mo	$535/mo	↑ $54.87more	11.4%
🛒Groceries	$973/mo	$949/mo	↓ $24.13less	2.5%
📦Other	$1,587/mo	$1,607/mo	↑ $19.81more	1.2%
🚗Transportation	$1,234/mo	$1,216/mo	↓ $18.36less	1.5%

🏠Housing

↓ 6.8%

St. Cloud, MN

$2,259

Kansas City, MO

$2,105

Difference

$154

less

🏥Healthcare

↓ 15.1%

St. Cloud, MN

$715

Kansas City, MO

$607

Difference

$108

less

⚡All Utilities

↑ 11.4%

St. Cloud, MN

$481

Kansas City, MO

$535

Difference

$54.87

🛒Groceries

↓ 2.5%

St. Cloud, MN

$973

Kansas City, MO

$949

Difference

$24.13

less

📦Other

↑ 1.2%

St. Cloud, MN

$1,587

Kansas City, MO

$1,607

Difference

$19.81

🚗Transportation

↓ 1.5%

St. Cloud, MN

$1,234

Kansas City, MO

$1,216

Difference

$18.36

less

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

St. Cloud, MN has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$722

To$1,180

↑ $458

1 Bed

From$760

To$1,280

↑ $520

2 Bed

From$996

To$1,460

↑ $464

3 Bed

From$1,323

To$1,900

↑ $577

St. Cloud, MNZIP-level data

1BR range: $890–$1,250/mo

Kansas City, MOZIP-level data

1BR range: $900–$1,800/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,250

Monthly in St. Cloud, MN

$7,020

Monthly in Kansas City, MO

$230

Difference

Home Values

St. Cloud

Kansas City

$259K

Median Value

$257K

↑ +3.3%

YoY Change

↑ +0.6%

↑ +35.9%

5-Year Change

↑ +32.2%

$231K - $302K

Price Range

$80K - $587K

Homes in Kansas City are 1% less expensive than St. Cloud

Calculate payment - St. Cloud Calculate payment - Kansas City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.5K

Per year

Monthly Difference

$209

More take-home

Effective Rate Diff

1.7%

Rate difference

St. Cloud, 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

Kansas City, MO

Federal Income Tax

Effective: 18.9%

$25.5K

Missouri State Tax

Effective: 5.3%

$7.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$44.9K

Take-Home Pay

$8,755/month

$105.1K

Additional Tax Information

St. Cloud, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Kansas City, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 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.