Customer Service Representative Salary in St. Cloud, MN
Customer Service Representatives in the St. Cloud, MN metro area earn a median $48,120 a year — 7% more than the national median. After 2026 taxes, that is $39,089 take-home, or $3,257 a month.
Take-home pay calculator
Pre-filled with the median customer service representative salary in St. Cloud, MN. Enter your own offer to see your paycheck.
- Federal income tax$3,594
- Social Security (6.2%)$2,983
- Medicare (1.45%)$698
- Minnesota income tax$1,756
- Take-home pay$39,089
Marginal rate: 12% federal + 5.35% state
Customer Service Representative pay by experience in St. Cloud, MN
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $33,010 | $15.87 | $27,756 | $2,313 |
| 25th percentile | $39,670 | $19.07 | $32,751 | $2,729 |
| Median (50th) | $48,120 | $23.13 | $39,089 | $3,257 |
| 75th percentile | $56,820 | $27.32 | $45,495 | $3,791 |
| 90th percentile (top earners) | $64,140 | $30.84 | $50,878 | $4,240 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Minnesota resident, 2026 tax rules.
What $48,120 buys in St. Cloud, MN
Prices in St. Cloud, MN are 12.4% lower than the U.S. average (housing costs are 35% below the national average). Adjusted for local prices, a median customer service representative's $39,089 take-home pay has the buying power of $44,605 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Customer Service Representative jobs are about as common in St. Cloud, MN as in the U.S. overall (location quotient 1.07).
Best-paying cities for customer service representatives, adjusted for cost of living
St. Cloud, MN ranks #1 of 357 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | St. Cloud, MN | $48,120 | $39,089 | $44,605 |
| 2 | Dubuque, IA | $46,670 | $38,558 | $44,153 |
| 3 | Des Moines, IA | $48,880 | $40,249 | $43,892 |
| 4 | San Jose, CA | $60,480 | $48,311 | $43,751 |
| 5 | Elkhart, IN | $48,000 | $39,362 | $43,578 |
| 6 | Bismarck, ND | $46,240 | $39,334 | $43,213 |
| 7 | Fond du Lac, WI | $47,500 | $39,037 | $42,597 |
| 8 | Midland, MI | $48,250 | $39,149 | $42,590 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 357 metros →
Customer Service Representative salaries elsewhere in Minnesota
- Mankato, MN — $47,320
- Rochester, MN — $47,050
- Duluth, MN — $44,940
- Minneapolis, MN — $49,480
Frequently asked questions
How much does a customer service representative make in St. Cloud, MN?
The median customer service representative salary in the St. Cloud, MN metro area is $48,120 a year, or about $23.13 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $39,670 and $56,820.
What is a customer service representative’s take-home pay in St. Cloud, MN?
On the median $48,120 salary, a single filer living in Minnesota takes home about $39,089 a year ($3,257 a month) after federal tax, Social Security, Medicare and $1,756 in Minnesota taxes in 2026.
Is St. Cloud, MN a good place to work as a customer service representative?
Pay here is 7% above the national median of $44,770. Local prices are 12.4% below the U.S. average, so the take-home pay buys what $44,605 would in a typical U.S. city. St. Cloud, MN ranks #1 of 357 metro areas for cost-of-living-adjusted pay in this job.
Can a customer service representative afford rent in St. Cloud, MN?
HUD’s fair market rent for a one-bedroom in St. Cloud, MN is $919 a month ($1,206 for two bedrooms) — 28% of a median customer service representative’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in St. Cloud, MN
- First-Line Supervisor of Office and Administrative Support Workers — $71,790
- Bookkeeping, Accounting, and Auditing Clerks — $50,570
- Secretaries and Administrative Assistants, Except Legal, Medical, and Executive — $49,470
- Medical Secretary and Administrative Assistant — $46,840
- Office Clerks, General — $46,390
- Shipping, Receiving, and Inventory Clerks — $45,790