B
1%
Overall NAT. AVG.
9%
Goods & Services NAT. AVG.
14%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Cloquet Minnesota National
Cost of living9999100
Goods & Services109100100
Groceries9798100
Health care124109100
Housing86100100
Transportation9997100
Utilities9393100

An Overview of Cost of Living in Cloquet, MN

Are you thinking about relocating, but curious about the potential cost of living in Cloquet? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Cloquet stands at 99, making it 1% lower than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

The cost of living in Cloquet closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, goods and services, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Cloquet can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.

Is Cloquet Affordable?

Wondering if Cloquet is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Cloquet, for example, the median home price is 17.9% lower than what folks pay nationally, and monthly rent is 6.2% lower than the usual rates. Plus, income levels matter too, with Cloquet boasting a median household income of $54,011, which is 2.4% lower than the national average.

What Factors can Influence the Cost of Living in Cloquet?

Taxes: Cities that impose higher taxes, including sales and income taxes, can contribute to an escalated cost of living. The added expense of taxes on everyday goods like clothing and food naturally results in higher overall costs. Similarly, a higher income tax rate can further elevate the cost of living. In Cloquet, the general sales tax rate starts at 6.875%, and income tax rates begin at 5.35%.

Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Cloquet, the groceries index is 2.9% lower than the national average.

Where is the Data From?

The Cloquet cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Cloquet is 1% lower than the Minnesota average
  • The cost of living in Cloquet is 1% lower than the national average
  • Cloquet housing is 14% lower than the national average
  • Minnesota general sales tax is 35% higher than the national average
  • Minnesota state income tax is 106% higher than the national average

Most Affordable Places to Live in and Around Cloquet

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Compare Cloquet, MN Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$65,420$5,452$1,526$1,963
      Renters$31,007$2,584$723$930
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Cloquet, MN, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Cloquet homeowners, is $65,420. This would allow for a maximum of $1,526 per month to be spent on housing costs. For renters, the median monthly income is $31,007 which would result in a maximum of $723 to be spent on rental costs.

      Minnesota Sales Tax

      State General Sales Tax With Max Surtax
      Minnesota 6.875% 7.875%

      Minnesota Income Tax

      State Income Tax (Low) Income Tax (High)
      Minnesota 5.35% 9.85%

      Goods & Services

      Item Cloquet National avg. Difference
      Haircut $27.97$24.2615.3%
      Beauty Salon $37.17$45.5618.4%
      Toothpaste $3.62$3.702.2%
      Shampoo $1.52$1.2818.6%
      Movie $11.24$12.137.4%
      Bowling $26.39$18.0046.6%

      Groceries

      Item Cloquet National avg. Difference
      Ground Beef $5.75$5.841.5%
      Fried Chicken $1.35$1.5713.9%
      Milk $4.58$4.672.0%
      Potatoes $4.86$4.931.4%
      Pizza $13.07$12.098.2%
      Beer $9.52$10.418.5%

      Health Care

      Item Cloquet National avg. Difference
      Optometrist $109.94$125.6812.5%
      Doctor $162.98$135.7820.0%
      Dentist $96.90$113.2914.5%
      Ibuprofen $10.88$10.652.1%
      Lipitor $492.95$468.605.2%

      Housing

      Item Cloquet National avg. Difference
      Home Price $151,600.00$184,700.0017.9%
      Avg. Mortgage Payment $1,954.72$2,346.6916.7%
      Apartment Rent $890.00$949.006.2%

      Transportation

      Item Cloquet National avg. Difference
      Gasoline $3.31$3.464.3%
      Tire Balancing $61.97$59.923.4%

      Utilities

      Item Cloquet National avg. Difference
      All Electricity $175.69$193.999.4%
      Phone $188.55$192.251.9%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Brookston, MN117928.4%
      Proctor, MN3,039963.8%
      Carlton, MN1,006973.4%
      Wrenshall, MN4591000.2%
      Mahtowa, MN3731011.3%
      Cloquet, MN11,994991.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Winfield, KS11,9908019.8%
      Fuller Heights, FL11,9891021.8%
      Brown Deer, WI11,987991.0%
      Wetaskiwin County No. 10, AB11,985n/a 
      Norton, OH11,984946.2%
      Cloquet, MN11,994991.5%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.