CostIndexUSA

Gilbert, AZ vs St. Cloud, MN Cost of Living

Data: BEA Regional Price Parities · Census ACS · 2024

AZ
Gilbert
103.3
overall index
$1,725/mo rent
More AffordableMN
St. Cloud
87.6
overall index
$1,175/mo rent

St. Cloud is significantly cheaper than Gilbert — 15.2% lower overall cost of living.

To match an $80,000 salary in Gilbert, you would need $67,800 in St. Cloud. Calculate your salary ↓

Category Breakdown

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

🏠 Housing−46.3%
Gilbert
121.2
St. Cloud
65.1
🛒 Groceries≈ Equal
Gilbert
95
St. Cloud
95.4
🚗 Transportation−11.4%
Gilbert
109.2
St. Cloud
96.8
🏥 Healthcare−11.3%
Gilbert
98.8
St. Cloud
87.6
⚡ Utilities−4.9%
Gilbert
93.3
St. Cloud
88.7

Salary Equivalency Calculator

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

$
→
Equivalent salary in St. Cloud, MN
$67,800
$12,200 less needed in St. Cloud

Formula: salary × (87.6 ÷ 103.3) = salary × 0.8480. Based on BEA Regional Price Parities.

Housing Market

Gilbert, AZ

Median Home Price
$442,000
Median Monthly Rent
$1,725
Housing Index
121.2
Price-to-Rent Ratio
21.4×

St. Cloud, MN

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

Gilbert has 46.3% lower housing costs compared to St. Cloud.

Income & Job Market

Gilbert, AZ

Median Household Income
$85,700
Per Capita Income
$48,800
Unemployment Rate
3.8%
Population
254,114
Top Industries
TechnologyHealthcareFinanceManufacturingRetail

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).

Gilbert, AZ
4.1×income-to-rent ratio

76% of income left after rent (median)

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

81% of income left after rent (median)

Gilbert vs other cities

Gilbert, AZ
vs
Chandler, AZ
Index: 103.3Index: 103.3
Gilbert, AZ
vs
Glendale, AZ
Index: 103.3Index: 103.3
Gilbert, AZ
vs
Mesa, AZ
Index: 103.3Index: 103.3
Gilbert, AZ
vs
Irving, TX
Index: 103.3Index: 103.1
Gilbert, AZ
vs
St. Petersburg, FL
Index: 103.3Index: 100.9

St. Cloud vs other cities

St. Cloud, MN
vs
Duluth, MN
Index: 87.6Index: 88.8
St. Cloud, MN
vs
Minneapolis, MN
Index: 87.6Index: 104.8
St. Cloud, MN
vs
Rochester, MN
Index: 87.6Index: 90.8
St. Cloud, MN
vs
Johnson City, TN
Index: 87.6Index: 87.9
St. Cloud, MN
vs
Portland, ME
Index: 87.6Index: 101.9

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.