St. Cloud, MN

Reading the St. Cloud Life Score

St. Cloud's composite score of 69.5 out of 100 — earning a grade of C+ — places the metro at rank #5 of 387 in the national file, inside the top 99%. The composite is a weighted roll-up of seven dimensions: Cost of Living (20%), Wages (20%), Rent (15%), Safety (15%), Schools (10%), Childcare (10%) and Environment (10%), each normalized to a 0-100 percentile scale. The strongest inputs are Cost of Living (90/100) and Environment (86/100), which pull the composite upward, while Childcare (34/100) and Schools (54/100) drag it downward. Because the weights are fixed, a metro that scores high on the 20%-weighted cost and wage dimensions can absorb mediocre scores elsewhere and still land a high composite — and vice versa.

Under the cost layer, BEA Regional Price Parities read 87.6 for St. Cloud — 12.4% below the U.S. average, with rent-specific RPP at 65.1. BLS wage records do not match this metro in the latest OES cycle. HUD's 2-bedroom Fair Market Rent for the metro comes in at $1,206/mo (studios $874/mo), the figure that governs housing-choice voucher payment standards and anchors the rent sub-score.

Safety is scored from FBI UCR at the state tier (MN), which reads 259 violent crimes per 100,000 residents and 1625 property crimes per 100,000 — state-level crime always overstates rural-county risk and understates urban-core risk inside a single metro, so the safety score should be read as a regional baseline, not a street-level reading. School quality rolls up from NCES at 15.9:1 statewide student-teacher ratio with 11.9% charter share — a structural signal, not a performance measure. Childcare uses DOL center-based infant cost of $11,722/yr, a line item that can shift a household's real cost-of-living picture more than headline RPP. Environment draws on EPA records including 49 Superfund sites tracked for MN. Compared against ranks #2 through #8 in the table below, St. Cloud's position is driven by the dimension weights above — not by any single metric — which is why the radar and sub-scores are worth more attention than the composite.