Naples vs St. Paul

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Florida salaries · Minnesota salaries

Living in Naples vs St. Paul

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.

Relocating: Naples vs St. Paul

If you are considering a move between Naples (index: 128) and St. Paul (index: 100), the 22% cost difference has real implications for your budget. St. Paul is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Naples can afford $1,684/month, while the median household in St. Paul can afford $1,347/month. With median homes at $520,000 in Naples versus $260,000 in St. Paul, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $2,100/month in Naples and $1,300/month in St. Paul, renters save significantly in St. Paul. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes significantly further in St. Paul. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Naples (128) vs St. Paul (100)

The cost of living index uses 100 as the national average. Naples at 128 is 28% above the US average, while St. Paul at 100 is 0% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $2,100/month in Naples and $1,300/month in St. Paul, the annual rent difference is approximately $9,600. Over a 5-year period, that compounds to $48,000 in savings by choosing the more affordable city.

For homebuyers: The $260,000 difference in median home prices between Naples and St. Paul translates to roughly $15,600 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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