SOC 13-2011

Accountant & Auditor Salary in St. Cloud, MN (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MN
COL Index: 99.5 (-0.5% vs US)
Net Compensation Yield 72.6% Realized
$56,424 / net annual direct deposit
Gross Adjusted $77,720 $37.37/hr
Effective Tax Drag 21.4% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$16,633 $639.71/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $37.37 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,663/yr)
0% Tax Shield: ~$1,026/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,243
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,819
Medicare Hospital Insurance
Statutory 1.45%
-$1,127
Minnesota Individual Income Tax
State Marginal Bracket
-$3,444
Net Take-Home Annual Realized
$56,424 ($2,170.16 / check)
Category 2 of 6

St. Cloud, MN Accountant & Auditor Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $77,720
MIDDLE 50% (IQR RANGE) 10th $53.4k 25th $64.2k Median: $77,720 50th (Median) $77.7k 75th $95.9k 90th $125k You: $77,720
10th (Entry) $53,420 $25.68/hr
25th (Junior) $64,250 $30.89/hr
50th (Median) $77,720 $37.37/hr
75th (Senior) $95,870 $46.09/hr
90th (Lead/Master) $124,800 $60.00/hr
Career Progression & Licensing Milestones for Accountant & Auditor in St. Cloud, MN
1
Staff AccountantBachelor's degree (most common O*NET requirement); entry into the field
$52,011$25.01/hr · 0-2 Years
2
Senior AccountantDemonstrated results in role; works independently on core responsibilities; CPA license
$62,228$29.92/hr · 2-5 Years
3
Accounting ManagerFull professional competence; leads projects or a small team; CPA license
$77,739$37.37/hr · 5-9 Years
4
Corporate ControllerOwns budget, hiring and outcomes for a department or large program
$101,980$49.03/hr · 9-14 Years
5
Vice President of FinanceExecutive or principal scope; sets strategy across the organization or profession
$133,837$64.34/hr · 14+ Years
Adjacent Career Pivots & National Pay Differences
Financial Managers+$82,890/yr
National median: $166,570
Skill overlap: 94%View Salary
Financial Examiners+$10,480/yr
National median: $94,160
Skill overlap: 93%
Tax Preparers-$28,760/yr
National median: $54,920
Skill overlap: 93%
Bookkeeping, Accounting, and Auditing Clerks-$33,010/yr
National median: $50,670
Skill overlap: 89%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in St. Cloud, MN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
20% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $961/month Requires minimum annual gross of $38,440
HUD Fair Market Rent (2-Bedroom) $1,233/month Requires minimum annual gross of $49,320
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.00/hr
Per adult, 2 working adults + 1 child: $23.16/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in St. Cloud, MN.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$77,720-$16,633$56,424$2,170.16
+5h Overtime/Wk45 hrs$92,293-$21,692$65,063$2,502.41
+10h Overtime/Wk50 hrs$106,865-$26,752$73,701$2,834.65
+15h Overtime/Wk55 hrs$121,438-$31,812$82,339$3,166.89
+20h Overtime/Wk60 hrs$136,010-$37,026$90,824$3,493.22
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Accountant & Auditor in St. Cloud, MN: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Minnesota tax codes.

Market Baseline
$77,720/yr
$37.37/hr · SOC 13-2011
Statutory Tax Drag
21.4% Effective
-$16,633 in Total Taxes
HUD 1BR Shelter Ratio
20% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,741/mo
Post-$961/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 13-2011
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Accountant & Auditor in St. Cloud, MN: Market Snapshot

Accountant & Auditor roles in St. Cloud, MN report a median annual wage of $77,720, 7.1% below the national median of $83,680. The 10th to 90th percentile band runs from $53,420 to $124,800, and HUD’s $961 monthly one-bedroom fair market rent equals 14.8% of that median gross pay. The single-adult living wage benchmark for the area is $22.00 per hour.

Highest-paying metropolitan areas for Accountant & Auditor

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$121,700+56.6%
San Francisco-Oakland-Fremont, CA$110,730+42.5%
New York-Newark-Jersey City, NY-NJ$105,650+35.9%
Washington-Arlington-Alexandria, DC-VA-MD-WV$102,140+31.4%
Bridgeport-Stamford-Danbury, CT$102,020+31.3%
Midland, TX$100,890+29.8%
Parkersburg-Vienna, WV$100,420+29.2%
Boston-Cambridge-Newton, MA-NH$100,150+28.9%
Denver-Aurora-Centennial, CO$100,020+28.7%
Boulder, CO$99,990+28.7%

Top-paying occupations benchmarked in St. Cloud, MN

OccupationMedian annual wageMedian hourly
Chief Executives$184,610$88.75/hr
Architectural and Engineering Managers$151,820$72.99/hr
Computer and Information Systems Managers$142,510$68.51/hr
Financial Manager$135,760$65.27/hr
Human Resources Managers$135,250$65.02/hr
Marketing Managers$134,650$64.74/hr
Physician Assistant$132,650$63.77/hr
Nurse Practitioner$131,520$63.23/hr
Administrative Services Managers$125,670$60.42/hr
Sales Managers$124,290$59.75/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 393 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Accountant & Auditor Salary in St. Cloud, MN (2026) Overview

Accountant & Auditor median pay in St. Cloud, MN is $77,720 a year ($37.37/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living.

Quick answers
What is the median salary for an Accountant & Auditor in St. Cloud, MN?

The median annual wage is $77,720 ($37.37 per hour). The middle 80% of earners make between $53,420 and $124,800. Source: BLS OEWS (May 2025).

What is the take-home pay for an Accountant & Auditor in St. Cloud, MN after taxes?

On the median wage of $77,720, a single filer with no pre-tax deductions takes home about $59,744 a year ($4,979 a month) after $17,976 in federal, FICA, state and local taxes, an effective rate of 23.13%, using 2026 tax rules.