St. Paul vs Austin

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: Minnesota salaries · Texas salaries

Living in St. Paul vs Austin

Housing is typically the biggest factor in any cost-of-living comparison. St. Paul has a housing index of 98 while Austin sits at 123 (national average = 100). The median home in St. Paul costs $260,000 compared to $430,000 in Austin, a difference of $170,000. Monthly rent follows a similar pattern: $1,300 in St. Paul versus $1,700 in Austin.

Groceries and everyday expenses show a notable difference: St. Paul scores 103 while Austin scores 96. Both cities are close to the national average for grocery costs.

Healthcare costs in St. Paul (105) are higher than Austin (97). Both are close to the national average.

Median household income in St. Paul is $57,718 compared to $75,413 in Austin. When adjusted for cost of living, income goes further in St. Paul.

Relocating: St. Paul vs Austin

If you are considering a move between St. Paul (index: 100) and Austin (index: 107), the 7% 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 St. Paul can afford $1,347/month, while the median household in Austin can afford $1,760/month. With median homes at $260,000 in St. Paul versus $430,000 in Austin, homeownership requires above-median income in the pricier market.

Renting vs buying: At $1,300/month in St. Paul and $1,700/month in Austin, 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: St. Paul (100) vs Austin (107)

The cost of living index uses 100 as the national average. St. Paul at 100 is 0% below the US average, while Austin at 107 is 7% above average. Both cities are close to the national average in overall costs.

A 7-point index spread separates Austin from St. Paul, a moderate gap that adds up across monthly bills but is manageable with a typical dual-income household budget. The biggest category divergence is housing, where St. Paul scores 98 and Austin scores 123. That 25-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors St. Paul with indices of 98 versus 123. Median home prices of $260,000 in St. Paul and $430,000 in Austin underscore this gap. Neither city is cheaper across the board: St. Paul has an edge in housing, while Austin is more affordable for groceries and transportation. Your actual savings depend on which categories consume the biggest share of your personal budget.

For renters: With median rents of $1,300/month in St. Paul and $1,700/month in Austin, the annual rent difference is approximately $4,800. Over a 5-year period, that compounds to $24,000 in savings by choosing the more affordable city.

For homebuyers: The $170,000 difference in median home prices between St. Paul and Austin translates to roughly $10,200 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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