Cost of Living: Miami vs St. Paul (2026)
St. Paul has a 27% lower overall cost of living than Miami as of Q1 2026. A one-bedroom apartment runs $1,500/mo in St. Paul vs $2,500/mo in Miami — a 67% difference. Miami has no state income tax, giving residents more take-home pay than those in St. Paul (9.9% rate).
- St. Paul is 27% cheaper overall (COL index: 123 vs 97)
- 1BR rent: $1,500/mo in St. Paul vs $2,500/mo — 40% savings
- Miami has 0% state income tax — saves ~$3,300+/yr at a $75K salary
- Higher median household income: St. Paul ($65,000/yr vs $58,000/yr)
- Median home price: $310,000 in St. Paul vs $620,000 — 50% difference
| Category | Miami Florida | St. Paul Minnesota |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $2,000 | $1,200Best |
| 1BR rent/mo | $2,500 | $1,500Best |
| 2BR rent/mo | $3,500 | $2,000Best |
| Median home price | $620K | $310KBest |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 105 | 101Best |
| Budget meal (1 person) | $16 | $14Best |
| Mid-range dinner (2) | $65 | $56Best |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $112 | $95Best |
| Gas price/gal | $3.50 | $3.30Best |
| Car insurance/mo | $215 | $142Best |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $185Best | $195 |
| Internet/mo | $70 | $63Best |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $58K | $65KBest |
| State income tax% | 0.0%Best | 9.9% |
| Sales tax (combined)% | 7.0%Best | 8.0% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $16.00 | $14.00Best |
| Gym membership/mo | $45 | $40Best |
| Beer at restaurant | $7.00 | $6.00Best |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 123 | 97Best |
| Walk score / 100 | 78Best | 67 |
Frequently asked questions
Is Miami cheaper than St. Paul?
No. St. Paul is 27% cheaper than Miami based on overall cost of living indices (97 vs 123, where 100 = US average).
What is the average rent in Miami vs St. Paul?
As of Q1 2026, the median 1-bedroom rent in Miami is $2,500/month and in St. Paul is $1,500/month. Miami is more expensive by 67%.
How much do I need to earn in St. Paul to match a $75,000 salary in Miami?
To maintain a similar lifestyle, you would need approximately $59,146/year in St. Paul to match a $75,000 salary in Miami. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Miami or St. Paul?
Miami has the lower state income tax rate at 0% vs 9.9%. Miami has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Miami to St. Paul?
It depends on your priorities. St. Paul offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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