5 Best Places in Minnesota For A Couple To Live On Only Social Security

2. St. Cloud

Insider Monkey Score: 90

Livability: 83

IM Cost of Living Index: 88

Rounding off our top two pick is none other than the Stearns County city of St. Cloud. With average rent below the $800 figure and cost of living 12% below the national average, the city is well suited to retired couples making a living on Social Security incomes. Best known for its granite quarries, St. Cloud is home to many gardens and parks.