Rochester vs St. Cloud: Insurance Agent Salary (2026)
Compare insurance agent salaries between Rochester, MN and St. Cloud, MN. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Rochester, MN | St. Cloud, MN |
|---|---|---|
| Median Salary | $72,872▲ | $57,674 |
| Hourly Rate | $35.04▲ | $27.72 |
| Entry Level (P10) | $51,013▲ | $32,220 |
| 25th Percentile | $61,010▲ | $48,796 |
| 75th Percentile | $103,579▲ | $80,052 |
| Top Earner (P90) | $159,503▲ | $127,304 |
| Total Employed | 190 | 300▲ |
Verdict
Rochester, MN offers better overall compensation for insurance agents, winning 3 out of 4 metrics compared to St. Cloud.
The salary gap between Rochester and St. Cloud is $15,198 (26.35%). Rochester's median is +12.94% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Rochester spans $108,490,St. Cloud spans $95,084. Rochester 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, Rochester ($80,237 effective) pays 21.91% more than St. Cloud ($65,814 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Rochester if…
- ✓Higher median salary ($72,872/year)
- ✓Better top-earner potential ($159,503)
- ✓Better purchasing power (CoL-adjusted: $80,237)
- ✓You prefer the Minnesota area and lifestyle
Choose St. Cloud if…
- ✓Larger job market (300 employed)
- ✓You prefer the Minnesota area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in Rochester grew 12.8% from 2019 to 2025, compared to -7.4% growth in St. Cloud over the same period.
Rochester, MN
$62,350 (2019) → $70,340 (2025)
St. Cloud, MN
$60,110 (2019) → $55,670 (2025)
View Full Salary Data
Rochester, MN
St. Cloud, MN
Frequently Asked Questions
Which city pays insurance agents more: Rochester or St. Cloud?
What is the hourly rate difference between Rochester and St. Cloud?
Should I relocate from Rochester to St. Cloud as a insurance agent?
What do entry-level insurance agents earn in Rochester vs St. Cloud?
Related Comparisons
Written by Jordan Lee, MBA
Career Analyst
Jordan has over 10 years of experience in the insurance industry. He specializes in property and casualty insurance. He has worked in both agency and corporate settings.
Methodology & Data Source
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.60% 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, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov