South Bend-Mishawaka St. Cloud

Relocation analysis based on 7 federal data sources

Verdict
Strongly Favorable
Cost Index: 92.9 → 87.6
Rent Delta: -$86/mo

Pros of Moving

  • + 5% lower cost of living
  • + $86/mo cheaper rent (2BR)
  • + $11K higher median salary
  • + Fewer environmental violations

Moving from South Bend-Mishawaka to St. Cloud shifts your BEA Regional Price Parity from 92.9 to 87.6 (100 = US average), so a South Bend-Mishawaka salary needs to be multiplied by 0.94 to hold the same purchasing power in St. Cloud. On rent, HUD Fair Market Rent for a 2-bedroom goes from $1,292/month in South Bend-Mishawaka to $1,206/month in St. Cloud - a lower monthly bill of $86, or $1,032/year. That rent delta alone is often the single biggest line item when relocating.

Wages tell the other half. BLS Occupational Employment and Wage Statistics report a median salary of $62,165 in South Bend-Mishawaka versus $72,671 in St. Cloud - a raw gap of $10,506 higher. The St. Cloud labor market has 96,960 tracked jobs against 125,610 in South Bend-Mishawaka, shaping how easy it is to find a comparable role. Combine that with the cost-of-living shift above and you get the real purchasing-power delta, sometimes a "higher salary" is actually a pay cut once rent and RPP are applied.

Safety, schools, and childcare round out the move. FBI UCR violent crime rates near South Bend-Mishawaka and St. Cloud are 308 and 259 per 100,000 (state-level). NCES student-teacher ratios run 15.9:1 at origin versus 15.8:1 at destination. Our composite verdict - Strongly Favorable - weighs all seven federal sources; the dimension table below lets you override that with your personal priorities.

Dimension
South Bend-Mishawaka
St. Cloud
Winner
💰 Cost of Living
RPP 92.9
RPP 87.6
St. Cloud
🏠 Rent (2BR)
$1,292/mo
$1,206/mo
St. Cloud
💼 Wages
$62,165
$72,671
St. Cloud
🔒 Crime
308 per 100K
259 per 100K
St. Cloud
🎓 Schools
15.9:1
15.8:1
St. Cloud
👶 Childcare
N/A
$11,722/yr
Tie
🌿 Environment
1467 violations
845 violations
St. Cloud

Salary Adjustment Calculator

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

Equivalent salary in St. Cloud
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Frequently Asked Questions

Is St. Cloud more expensive than South Bend-Mishawaka?
St. Cloud has an RPP of 87.6 compared to South Bend-Mishawaka's 92.9 (100 = national average). South Bend-Mishawaka is more expensive overall. The 2BR rent in St. Cloud is $1,206/mo vs $1,292/mo in South Bend-Mishawaka.
What are salaries like in St. Cloud compared to South Bend-Mishawaka?
The median salary in St. Cloud is $72,671 compared to $62,165 in South Bend-Mishawaka. That's a +$10,506 difference.
Is St. Cloud safer than South Bend-Mishawaka?
The violent crime rate near St. Cloud is 259 per 100K vs 308 per 100K near South Bend-Mishawaka (state-level data). St. Cloud has a lower crime rate.
How much would I need to earn in St. Cloud to match my South Bend-Mishawaka salary?
To maintain the same purchasing power, multiply your South Bend-Mishawaka salary by 0.94. For example, a $75,000 salary in South Bend-Mishawaka would need to be $70,779 in St. Cloud. Use the salary calculator above for your exact figure.
What does the "Strongly Favorable" verdict mean?
The verdict is computed from 7 dimensions, cost of living, rent, wages, crime, schools, childcare, and environment, using federal data. "Strongly Favorable" means the destination clearly wins on most dimensions. Individual priorities may shift the balance, weigh the dimensions that matter most to you.

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Source: BEA Regional Price Parities, HUD Fair Market Rents, BLS OES, FBI UCR, NCES, DOL, EPA June 2026

Data Sources

  • Cost of Living: Bureau of Economic Analysis (BEA) Regional Price Parities
  • Rent: HUD Fair Market Rents (FMR)
  • Wages: Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics (OES)
  • Crime: FBI Uniform Crime Reporting (UCR) - state level
  • Schools: National Center for Education Statistics (NCES)
  • Childcare: Department of Labor (DOL) - state level
  • Environment: Environmental Protection Agency (EPA)