Rapid City, SD vs St. Cloud, MN: cost of living compared
Price levels from BEA (2024); rent and home values from Zillow (September 2026).
The short answer
- Overall, St. Cloud, MN is 1.7% less expensive than Rapid City, SD (BEA, 2024).
- To keep the same standard of living, $75,000 in Rapid City works out to about $73,700 in St. Cloud, before taxes.
- Most of the difference is housing, which costs 10.3% less in St. Cloud. Goods are 0.0% lower and other services 0.3% higher.
- Typical asking rent is $1,224 a month in St. Cloud and $1,457 in Rapid City, $2,796 a year less in St. Cloud (Zillow, September 2026).
- A typical home is valued at about $311,000 in St. Cloud and $370,000 in Rapid City.
- The gap is about where it was in 2019 (2.4%).
derived Calculated from BEA Regional Price Parities (2024) and Zillow data. Based on an average household's spending; taxes not included. How we calculate.
Category by category
Both cities against the US average (100). The gap in each row is what matters for a move.
Housing drives the gap: 10.3% lower in St. Cloud than in Rapid City
Price level by category, 2024. US average = 100.
- Rapid City, SD
- St. Cloud, MN
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Rapid City, SD | St. Cloud, MN | |
|---|---|---|
| All items | 89.2 | 87.6 |
| Goods | 95.5 | 95.4 |
| Housing (rents) | 72.6 | 65.1 |
| Utilities | 79.1 | 88.7 |
| Other services | 91.9 | 92.2 |
| Category | Rapid City | St. Cloud | St. Cloud vs Rapid City |
|---|---|---|---|
| All items | 89.2 | 87.6 | −1.7% |
| Goods | 95.5 | 95.4 | 0.0% |
| Housing (rents) | 72.6 | 65.1 | −10.3% |
| Utilities | 79.1 | 88.7 | +12.1% |
| Other services | 91.9 | 92.2 | +0.3% |
| Typical asking rent | $1,457 | $1,224 | −16.0% |
| Typical home value | $370,000 | $311,000 | −16.0% |
| Salary to match $75,000 in Rapid City | $75,000 | $73,700 | −1.7% |
Index values: BEA, 2024, US = 100. Rent and home values: Data Provided by Zillow Group, September 2026.
How the gap has changed since 2008
The price gap between Rapid City and St. Cloud has narrowed since 2008: 7.0 points then, 1.5 now
Overall price level each year, 2008–2024. US average = 100.
- Rapid City, SD
- St. Cloud, MN
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Rapid City, SD | St. Cloud, MN | |
|---|---|---|
| 2008 | 90.3 | 97.3 |
| 2009 | 90.4 | 92.7 |
| 2010 | 91.8 | 94.8 |
| 2011 | 86.9 | 93.8 |
| 2012 | 94.5 | 95.2 |
| 2013 | 93.3 | 95.3 |
| 2014 | 91.7 | 94.5 |
| 2015 | 89.7 | 93.4 |
| 2016 | 89.8 | 93.7 |
| 2017 | 89.3 | 90.7 |
| 2018 | 92.0 | 93.0 |
| 2019 | 92.4 | 94.6 |
| 2020 | 94.2 | 91.5 |
| 2021 | 92.0 | 87.5 |
| 2022 | 90.6 | 91.7 |
| 2023 | 90.3 | 89.3 |
| 2024 | 89.2 | 87.6 |
Goods
- Rapid City, SD
- St. Cloud, MN
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Rapid City, SD | St. Cloud, MN | |
|---|---|---|
| 2008 | 93.2 | 99.3 |
| 2009 | 94.9 | 96.8 |
| 2010 | 95.9 | 96.1 |
| 2011 | 95.8 | 95.2 |
| 2012 | 96.8 | 96.6 |
| 2013 | 96.8 | 96.9 |
| 2014 | 98.1 | 98.6 |
| 2015 | 97.7 | 98.2 |
| 2016 | 96.7 | 97.4 |
| 2017 | 95.1 | 95.4 |
| 2018 | 95.8 | 93.1 |
| 2019 | 97.8 | 96.5 |
| 2020 | 96.6 | 96.3 |
| 2021 | 93.8 | 94.4 |
| 2022 | 94.0 | 94.6 |
| 2023 | 97.4 | 97.0 |
| 2024 | 95.5 | 95.4 |
Housing (rents)
- Rapid City, SD
- St. Cloud, MN
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Rapid City, SD | St. Cloud, MN | |
|---|---|---|
| 2008 | 64.6 | 87.8 |
| 2009 | 63.8 | 70.0 |
| 2010 | 70.6 | 81.8 |
| 2011 | 53.4 | 82.2 |
| 2012 | 86.2 | 87.8 |
| 2013 | 79.9 | 84.3 |
| 2014 | 71.6 | 82.9 |
| 2015 | 67.1 | 83.0 |
| 2016 | 69.8 | 80.9 |
| 2017 | 69.3 | 70.2 |
| 2018 | 71.0 | 81.7 |
| 2019 | 72.1 | 87.5 |
| 2020 | 79.0 | 71.2 |
| 2021 | 76.5 | 58.1 |
| 2022 | 81.3 | 89.5 |
| 2023 | 76.9 | 75.0 |
| 2024 | 72.6 | 65.1 |
Utilities
- Rapid City, SD
- St. Cloud, MN
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Rapid City, SD | St. Cloud, MN | |
|---|---|---|
| 2008 | 82.3 | 88.5 |
| 2009 | 82.2 | 89.4 |
| 2010 | 80.8 | 89.3 |
| 2011 | 82.2 | 90.8 |
| 2012 | 83.0 | 89.3 |
| 2013 | 83.3 | 91.5 |
| 2014 | 80.0 | 89.1 |
| 2015 | 80.3 | 86.8 |
| 2016 | 80.3 | 85.5 |
| 2017 | 84.1 | 90.1 |
| 2018 | 91.2 | 98.3 |
| 2019 | 89.2 | 95.6 |
| 2020 | 90.0 | 94.6 |
| 2021 | 94.9 | 98.1 |
| 2022 | 89.7 | 96.8 |
| 2023 | 81.7 | 89.4 |
| 2024 | 79.1 | 88.7 |
Other services
- Rapid City, SD
- St. Cloud, MN
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Rapid City, SD | St. Cloud, MN | |
|---|---|---|
| 2008 | 98.5 | 100.1 |
| 2009 | 98.4 | 99.6 |
| 2010 | 98.2 | 99.0 |
| 2011 | 95.9 | 97.0 |
| 2012 | 96.6 | 97.0 |
| 2013 | 96.9 | 98.0 |
| 2014 | 96.1 | 96.4 |
| 2015 | 94.0 | 94.3 |
| 2016 | 94.1 | 96.1 |
| 2017 | 93.4 | 95.1 |
| 2018 | 96.8 | 96.4 |
| 2019 | 97.2 | 95.8 |
| 2020 | 98.2 | 95.6 |
| 2021 | 96.0 | 95.0 |
| 2022 | 91.6 | 90.5 |
| 2023 | 91.0 | 90.8 |
| 2024 | 91.9 | 92.2 |
Rent and home values
Typical asking rent: $1,224 in St. Cloud vs $1,457 in Rapid City
Typical asking rent for a new lease, dollars per month. Quarterly.
- Rapid City, SD
- St. Cloud, MN
- United States
Source: Zillow Observed Rent Index (typical asking rent, all homes, smoothed), through September 2026. Data Provided by Zillow Group.
Show the numbers
| Rapid City, SD | St. Cloud, MN | United States | |
|---|---|---|---|
| Mar 2015 | – | $725 | $1,145 |
| Jun 2015 | – | $723 | $1,170 |
| Sep 2015 | – | $729 | $1,181 |
| Dec 2015 | – | $729 | $1,182 |
| Mar 2016 | – | $759 | $1,195 |
| Jun 2016 | – | $758 | $1,219 |
| Sep 2016 | – | $767 | $1,225 |
| Dec 2016 | – | $768 | $1,222 |
| Mar 2017 | – | $780 | $1,245 |
| Jun 2017 | – | $796 | $1,270 |
| Sep 2017 | $932 | $788 | $1,276 |
| Dec 2017 | $931 | $794 | $1,275 |
| Mar 2018 | $925 | $825 | $1,296 |
| Jun 2018 | $955 | $817 | $1,320 |
| Sep 2018 | $965 | $835 | $1,327 |
| Dec 2018 | $940 | $863 | $1,329 |
| Mar 2019 | $952 | $849 | $1,349 |
| Jun 2019 | $969 | $880 | $1,376 |
| Sep 2019 | $972 | $871 | $1,383 |
| Dec 2019 | $960 | $880 | $1,381 |
| Mar 2020 | $981 | $881 | $1,402 |
| Jun 2020 | $994 | $885 | $1,406 |
| Sep 2020 | $1,010 | $921 | $1,410 |
| Dec 2020 | $1,004 | $926 | $1,407 |
| Mar 2021 | $1,067 | $925 | $1,443 |
| Jun 2021 | $1,088 | $947 | $1,512 |
| Sep 2021 | $1,140 | $961 | $1,590 |
| Dec 2021 | $1,174 | $1,010 | $1,622 |
| Mar 2022 | $1,255 | $1,059 | $1,661 |
| Jun 2022 | $1,333 | $1,067 | $1,721 |
| Sep 2022 | $1,342 | $1,065 | $1,748 |
| Dec 2022 | $1,295 | $1,062 | $1,735 |
| Mar 2023 | $1,291 | $1,076 | $1,757 |
| Jun 2023 | $1,314 | $1,124 | $1,785 |
| Sep 2023 | $1,329 | $1,090 | $1,797 |
| Dec 2023 | $1,331 | $1,094 | $1,786 |
| Mar 2024 | $1,329 | $1,104 | $1,807 |
| Jun 2024 | $1,370 | $1,124 | $1,837 |
| Sep 2024 | $1,373 | $1,132 | $1,845 |
| Dec 2024 | $1,367 | $1,141 | $1,836 |
| Mar 2025 | $1,367 | $1,172 | $1,860 |
| Jun 2025 | $1,382 | $1,160 | $1,880 |
| Sep 2025 | $1,400 | $1,162 | $1,881 |
| Dec 2025 | $1,396 | $1,162 | $1,873 |
| Mar 2026 | $1,404 | $1,193 | $1,894 |
| Jun 2026 | $1,429 | $1,212 | $1,921 |
| Sep 2026 | $1,457 | $1,224 | $1,932 |
Typical home value: $311,000 in St. Cloud vs $370,000 in Rapid City
Typical home value, dollars. Quarterly.
- Rapid City, SD
- St. Cloud, MN
- United States
Source: Zillow Home Value Index (typical home value, middle tier, smoothed, seasonally adjusted), through September 2026. Data Provided by Zillow Group.
Show the numbers
| Rapid City, SD | St. Cloud, MN | United States | |
|---|---|---|---|
| Mar 2015 | $186K | $160K | $189K |
| Jun 2015 | $188K | $163K | $192K |
| Sep 2015 | $191K | $166K | $195K |
| Dec 2015 | $192K | $167K | $199K |
| Mar 2016 | $195K | $168K | $202K |
| Jun 2016 | $196K | $171K | $204K |
| Sep 2016 | $197K | $174K | $206K |
| Dec 2016 | $199K | $177K | $209K |
| Mar 2017 | $201K | $179K | $213K |
| Jun 2017 | $204K | $183K | $216K |
| Sep 2017 | $206K | $185K | $219K |
| Dec 2017 | $209K | $186K | $223K |
| Mar 2018 | $212K | $188K | $227K |
| Jun 2018 | $213K | $190K | $230K |
| Sep 2018 | $216K | $194K | $234K |
| Dec 2018 | $218K | $196K | $236K |
| Mar 2019 | $222K | $198K | $239K |
| Jun 2019 | $225K | $201K | $242K |
| Sep 2019 | $228K | $203K | $244K |
| Dec 2019 | $233K | $205K | $247K |
| Mar 2020 | $238K | $209K | $252K |
| Jun 2020 | $242K | $212K | $255K |
| Sep 2020 | $246K | $217K | $260K |
| Dec 2020 | $255K | $223K | $271K |
| Mar 2021 | $265K | $229K | $282K |
| Jun 2021 | $280K | $241K | $296K |
| Sep 2021 | $294K | $250K | $306K |
| Dec 2021 | $305K | $254K | $314K |
| Mar 2022 | $324K | $264K | $330K |
| Jun 2022 | $342K | $276K | $346K |
| Sep 2022 | $343K | $275K | $348K |
| Dec 2022 | $343K | $273K | $345K |
| Mar 2023 | $341K | $275K | $343K |
| Jun 2023 | $345K | $278K | $347K |
| Sep 2023 | $348K | $282K | $352K |
| Dec 2023 | $348K | $284K | $354K |
| Mar 2024 | $351K | $287K | $357K |
| Jun 2024 | $353K | $289K | $361K |
| Sep 2024 | $356K | $291K | $361K |
| Dec 2024 | $360K | $296K | $363K |
| Mar 2025 | $362K | $299K | $364K |
| Jun 2025 | $362K | $301K | $362K |
| Sep 2025 | $363K | $304K | $362K |
| Dec 2025 | $367K | $307K | $364K |
| Mar 2026 | $371K | $310K | $366K |
| Jun 2026 | $369K | $310K | $365K |
| Sep 2026 | $370K | $311K | $366K |
More about each city
What this comparison leaves out
- Taxes. State and local income, sales and property taxes can change the result a lot, especially between states.
- Neighborhoods. These are metro-wide averages; a city center and its outer suburbs can differ by more than two metros do.
- Your own spending mix. The default uses an average household. Use the housing slider above if rent is a bigger share of your budget.
- Timing. BEA price levels are for 2024; Zillow figures are monthly and newer.