Question 1

Is Saint Paul, MN or St. Cloud, MN cheaper to buy in?

Accepted Answer

St. Cloud, MN is cheaper. The median home price in Saint Paul, MN is approximately $444,800 and in St. Cloud, MN it is approximately $246,600 — a difference of $198,200.

Question 2

Is Saint Paul, MN or St. Cloud, MN more walkable?

Accepted Answer

Saint Paul, MN is more walkable. Saint Paul, MN has a Walk Score of 42/100 and St. Cloud, MN has a Walk Score of N/A/100.

Question 3

Which has better schools, Saint Paul, MN or St. Cloud, MN?

Accepted Answer

Saint Paul, MN has higher-rated schools. Saint Paul, MN has a school rating of 6.1/10 and St. Cloud, MN has a rating of 5.3/10.

Question 4

Should I live in Saint Paul, MN or St. Cloud, MN?

Accepted Answer

Both neighborhoods have distinct trade-offs — review the data above to find your best fit.

Category	Saint Paul, MN	St. Cloud, MN
Housing
Verdict	Good for now	Good for now
Median Price	$445K	$247K ✓ Lower price
Median Rent	$1K	$982 ✓ Lower rent
Median Income	$112K ✓ Higher income	$66K
Price Volatility	Moderate	Low ✓ More stable
Getting Around
Walk Score	42/100 ✓ More walkable	Car-dependent
Transit Score	20/100	30/100 ✓ Better transit
Bike Score	25/100 ✓ More bikeable	N/A
Commute	15 min ✓ Shorter commute	78 min
Safety & Environment
Safety Grade	D+	D+
Violent Crime	Moderate	Moderate
Property Crime	Moderate	Moderate
Flood Risk	Low	Low
Air Quality	Good	Good
Community
Schools	6.1/10 ✓ Better schools	5.3/10
Best for	young professionalscommutersfirst‑time homebuyers	Families with childrenCollege students or staff at St. Cloud StateRetirees seeking low cost of living

Saint Paul, MN vs St. Cloud, MN

Bottom line