St. Paul vs Surprise
Cost of Living Comparison · 2026
St. Paul
Surprise
The Verdict
The cost gap between these cities is 2.9%, with St. Paul being the more affordable option. A $75,000 income in St. Paul has equivalent purchasing power to $77,250 in Surprise.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in St. Paul has the same purchasing power as $77,250 in Surprise.
Conversely, $75,000 in Surprise equals $72,816 in St. Paul.
Living in St. Paul vs Surprise
Housing Costs
St. Paul's housing index of 98 is lower Surprise's 105, translating to median home prices of $260,000 vs $419,000. The $159,000 difference in home prices means roughly $10,332 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,300/mo in St. Paul compared to $1,575/mo in Surprise, a monthly difference of $275.
Grocery & Food Costs
Grocery expenses index at 103 in St. Paul and 100 in Surprise. A household spending the national average of $475/month on groceries would pay approximately $489/month in St. Paul vs $475/month in Surprise. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in St. Paul and 102 in Surprise. Monthly utility bills average approximately $388 in St. Paul vs $408 in Surprise. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 105 in St. Paul and 97 in Surprise. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $57,718 in St. Paul and $85,500 in Surprise. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,718 and $83,010 respectively. Surprise residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,347/month to housing in St. Paul vs $1,995/month in Surprise. In St. Paul, median rent of $1,300/mo fits within this budget. In Surprise, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 8 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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