Side-by-side cost of living comparison for 2026
22% cheaper
St. Paul is 22% more affordable than Naples. A $75,000 salary in Naples is equivalent to $58,594 in St. Paul.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Florida salaries · Minnesota salaries
Housing is typically the biggest factor in any cost-of-living comparison. Naples has a housing index of 180 while St. Paul sits at 98 (national average = 100). The median home in Naples costs $520,000 compared to $260,000 in St. Paul, a difference of $260,000. Monthly rent follows a similar pattern: $2,100 in Naples versus $1,300 in St. Paul.
Groceries and everyday expenses show a narrower gap: Naples scores 106 while St. Paul scores 103.
Healthcare costs in Naples (98) are lower than St. Paul (105). Both are close to the national average.
Median household income in Naples is $72,178 compared to $57,718 in St. Paul. When adjusted for cost of living, income goes further in St. Paul.
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