Duluth vs St. Cloud: Financial Advisor Salary (2026)
Compare financial advisor salaries between Duluth, MN and St. Cloud, MN. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Duluth, MN | St. Cloud, MN |
|---|---|---|
| Median Salary | $83,136▲ | $80,088 |
| Hourly Rate | $39.97▲ | $38.50 |
| Entry Level (P10) | $45,070 | $48,644▲ |
| 25th Percentile | $64,779▲ | $60,720 |
| 75th Percentile | $160,208▲ | $125,107 |
| Top Earner (P90) | $336,789▲ | $243,199 |
| Total Employed | 110 | 190▲ |
Verdict
Duluth, MN offers better overall compensation for financial advisors, winning 3 out of 4 metrics compared to St. Cloud.
The salary gap between Duluth and St. Cloud is $3,048 (3.81%). Duluth's median is -23.40% compared to the US national median of $108,537.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Duluth spans $291,719,St. Cloud spans $194,555. Duluth has a wider pay range, meaning more potential for high earners but also more variation.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Duluth ($93,655 effective) pays 2.48% more than St. Cloud ($91,391 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Duluth if…
- ✓Higher median salary ($83,136/year)
- ✓Better top-earner potential ($336,789)
- ✓Better purchasing power (CoL-adjusted: $93,655)
- ✓You prefer the Minnesota area and lifestyle
Choose St. Cloud if…
- ✓Larger job market (190 employed)
- ✓You prefer the Minnesota area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, financial advisor salaries in Duluth grew -4.4% from 2019 to 2025, compared to 14.7% growth in St. Cloud over the same period.
Duluth, MN
$84,220 (2019) → $80,480 (2025)
St. Cloud, MN
$67,620 (2019) → $77,530 (2025)
View Full Salary Data
Duluth, MN
St. Cloud, MN
Frequently Asked Questions
Which city pays financial advisors more: Duluth or St. Cloud?
What is the hourly rate difference between Duluth and St. Cloud?
Should I relocate from Duluth to St. Cloud as a financial advisor?
What do entry-level financial advisors earn in Duluth vs St. Cloud?
Related Comparisons
Written by Jordan Lee, CFP
Career Analyst
Jordan has over 10 years of experience in financial planning. They specialize in retirement planning for individuals. They work at a financial services firm in New York City.
Methodology & Data Source
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.30% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Jordan Lee, CFP, a licensed financial advisor with 10+ years of clinical experience. · View source data at BLS.gov