Wondering how far your dollar stretches in St. Cloud compared to Killeen? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| St. Cloud | Metric | Killeen | Difference |
|---|---|---|---|
| 88 | Cost of Living Index | 88 | +0.0% |
| $235,000 | Median Home Price | $210,000 | -10.6% |
| $950 | Median Monthly Rent | $1,050 | +10.5% |
| $55,800 | Median Household Income | $54,800 | -1.8% |
| 1.2% | Property Tax Rate | 1.8% | +50.0% |
| 3.5% | Unemployment Rate | 4.2% | +20.0% |
| 20 min | Average Commute | 21 min | +5.0% |
| 32.5 | Median Age | 29.2 | -10.2% |
| 205,000 | Metro Population | 470,000 | +129.3% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in St. Cloud costs $1,492/month (PITI) compared to $1,438/month in Killeen — a difference of $54/month or $648/year. The price-to-income ratio is 4.2x in St. Cloud versus 3.8x in Killeen, suggesting Killeen is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 5.6 years to save a down payment in St. Cloud compared to 5.1 years in Killeen.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | St. Cloud | Killeen |
|---|---|---|
| Gross Income | $55,800 | $54,800 |
| State Income Tax | $1,952 | None |
| Federal Income Tax | $4,567 | $4,447 |
| FICA (SS + Medicare) | $4,269 | $4,193 |
| Property Tax (on median home) | $2,820/yr | $3,780/yr |
| State Sales Tax Rate | 6.9% | 6.3% |
| Total Tax Burden | $10,788 (19.3%) | $8,640 (15.8%) |
| Take-Home Pay | $45,012 | $46,160 |
Texas has no state income tax, giving Killeen residents a significant tax advantage. On median household income, total taxes (federal + state + FICA) come to $10,788 in St. Cloud (19.3% effective) versus $8,640 in Killeen (15.8% effective). After taxes, take-home pay is $45,012 in St. Cloud and $46,160 in Killeen. Property taxes add $2,820/year on the median St. Cloud home versus $3,780/year in Killeen.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $55,800 in St. Cloud (COL 88) and relocate to Killeen (COL 88), you would need $55,800 to maintain the same purchasing power. This means your salary should stay roughly the same.
Beyond costs, quality of life matters. The average commute in St. Cloud is 20 minutes versus 21 minutes in Killeen, a difference of 1 minutes each way. St. Cloud's lower unemployment rate of 3.5% versus 4.2% suggests a stronger job market. St. Cloud skews slightly older with a median age of 32.5 vs 29.2 in Killeen.
St. Cloud and Killeen have very similar costs of living, with COL indices of 88 and 88 respectively (national average = 100). Day-to-day expenses, housing, and taxes are comparable between the two metro areas.
The median home price in Killeen is $210,000, which is $25,000 more than St. Cloud's median of $235,000. Monthly rent follows a similar pattern: $1,050/month in Killeen vs $950/month in St. Cloud, a difference of $100/month or $1,200/year.
To maintain the same standard of living, a $55,800 salary in St. Cloud is equivalent to $55,800 in Killeen. This is based on the cost of living index ratio: St. Cloud's COL index of 88 vs Killeen's 88. Conversely, $54,800 in Killeen equals $54,800 in St. Cloud.
On a median household income, the combined federal, state, and FICA tax burden is $10,788 (19.3% effective rate) in St. Cloud vs $8,640 (15.8% effective rate) in Killeen. Property taxes on the median home are $2,820/year in St. Cloud (1.2% rate) vs $3,780/year in Killeen (1.8% rate). Sales tax rates are 6.9% in Minnesota and 6.3% in Texas.
St. Cloud median household income: $55,800/yr. Killeen median household income: $54,800/yr (Census ACS).
Median monthly rent: $950 in St. Cloud vs $1,050 in Killeen. Annualized that is $11,400 vs $12,600.
St. Cloud offers a lower cost of living (index 88 vs 88), which lets remote-workers keeping a coastal salary stretch further. Killeen typically wins on amenities and labor-market depth.
St. Cloud and Killeen numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The St. Cloud vs Killeen cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .