Concord vs St. Paul

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Concord has the same purchasing power as $75,000 in St. Paul.

Conversely, $75,000 in St. Paul equals $75,000 in Concord.

Living in Concord vs St. Paul

Housing Costs

Concord's housing index of 110 is higher St. Paul's 98, translating to median home prices of $340,000 vs $260,000. The $80,000 difference in home prices means roughly $5,196 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Concord compared to $1,300/mo in St. Paul, a monthly difference of $75.

Grocery & Food Costs

Grocery expenses index at 101 in Concord and 103 in St. Paul. A household spending the national average of $475/month on groceries would pay approximately $480/month in Concord vs $489/month in St. Paul. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 110 in Concord and 97 in St. Paul. Monthly utility bills average approximately $440 in Concord vs $388 in St. Paul. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 113 in Concord and 105 in St. Paul. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.

Income & Purchasing Power

Median household income is $84,900 in Concord and $57,718 in St. Paul. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $84,900 and $57,718 respectively. Concord residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,981/month to housing in Concord vs $1,347/month in St. Paul. In Concord, median rent of $1,375/mo fits within this budget. In St. Paul, median rent of $1,300/mo remains manageable. The biggest category-level difference between these two cities is Transportation, where the gap is 15 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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