St. Paul vs Tyler
Cost of Living Comparison · 2026
St. Paul
Tyler
The Verdict
The cost gap between these cities is 17.6%, with Tyler being the more affordable option. A $75,000 income in St. Paul has equivalent purchasing power to $63,750 in Tyler.
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 $63,750 in Tyler.
Conversely, $75,000 in Tyler equals $88,235 in St. Paul.
Living in St. Paul vs Tyler
Housing Costs
St. Paul's housing index of 98 is higher Tyler's 69, translating to median home prices of $260,000 vs $250,000. The $10,000 difference in home prices means roughly $648 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,300/mo in St. Paul compared to $1,075/mo in Tyler, a monthly difference of $225.
Grocery & Food Costs
Grocery expenses index at 103 in St. Paul and 96 in Tyler. A household spending the national average of $475/month on groceries would pay approximately $489/month in St. Paul vs $456/month in Tyler. Tyler offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in St. Paul and 97 in Tyler. Monthly utility bills average approximately $388 in St. Paul vs $388 in Tyler. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 105 in St. Paul and 93 in Tyler. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $57,718 in St. Paul and $54,800 in Tyler. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,718 and $64,471 respectively. Tyler 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 $1,279/month in Tyler. In St. Paul, median rent of $1,300/mo fits within this budget. In Tyler, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 29 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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