St. Paul vs Houston

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 Houston

Housing is typically the biggest factor in any cost-of-living comparison. St. Paul has a housing index of 98 while Houston sits at 89 (national average = 100). The median home in St. Paul costs $260,000 compared to $250,000 in Houston, a difference of $10,000. Monthly rent follows a similar pattern: $1,300 in St. Paul versus $1,400 in Houston.

Groceries and everyday expenses show a notable difference: St. Paul scores 103 while Houston scores 94.

Healthcare costs in St. Paul (105) are higher than Houston (96). Both are close to the national average.

Median household income in St. Paul is $57,718 compared to $52,338 in Houston. When adjusted for cost of living, income goes further in Houston.

Relocating: St. Paul vs Houston

If you are considering a move between St. Paul (index: 100) and Houston (index: 96), the 4% cost difference has real implications for your budget. Houston 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 Houston can afford $1,221/month. With median homes at $260,000 in St. Paul versus $250,000 in Houston, both cities offer reasonable homeownership opportunities at median income.

Renting vs buying: At $1,300/month in St. Paul and $1,400/month in Houston, renters face similar costs in both cities. 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 further in Houston where costs are 4% below the national average. 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 Houston (96)

The cost of living index uses 100 as the national average. St. Paul at 100 is 0% below the US average, while Houston at 96 is 4% below average. Both cities are close to the national average in overall costs.

St. Paul and Houston land within 4 points of each other on the composite index (100 vs 96), so the overall cost picture is similar. Housing shows the widest single-category margin at 98 versus 89, making it the area where residents will feel the most day-to-day price difference between St. Paul and Houston. Housing, the largest line item for most households, favors Houston with indices of 89 versus 98. Median home prices of $260,000 in St. Paul and $250,000 in Houston underscore this gap. With nearly identical cost profiles, the deciding factor between St. Paul and Houston is more likely income potential, career opportunity, or lifestyle preference than raw cost of living.

For renters: With median rents of $1,300/month in St. Paul and $1,400/month in Houston, the annual rent difference is approximately $1,200. Over a 5-year period, that compounds to $6,000 in savings by choosing the more affordable city.

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