Hilo vs St. Paul

Category-by-Category Breakdown

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

Salary Equivalence

A $75,000 salary in Hilo has the same purchasing power as $56,818 in St. Paul.

Conversely, $75,000 in St. Paul equals $99,000 in Hilo.

Living in Hilo vs St. Paul

Housing Costs

Hilo's housing index of 149 is higher St. Paul's 98, translating to median home prices of $555,000 vs $260,000. The $295,000 difference in home prices means roughly $19,176 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,575/mo in Hilo compared to $1,300/mo in St. Paul, a monthly difference of $275.

Grocery & Food Costs

Grocery expenses index at 149 in Hilo and 103 in St. Paul. A household spending the national average of $475/month on groceries would pay approximately $708/month in Hilo vs $489/month in St. Paul. St. Paul offers a meaningful advantage on everyday food costs, saving roughly $2628/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 218 in Hilo and 97 in St. Paul. Monthly utility bills average approximately $872 in Hilo 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 118 in Hilo and 105 in St. Paul. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 13-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $78,700 in Hilo and $57,718 in St. Paul. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $59,621 and $57,718 respectively. Hilo residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,836/month to housing in Hilo vs $1,347/month in St. Paul. In Hilo, median rent of $1,575/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 Utilities, where the gap is 121 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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